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Loan Center

We all have personal dreams for the future. To help you fulfill those dreams, 1st Constitution offers a wide variety of lending programs that we can personalize for you. Whether you are buying a new car, improving your home or just consolidating your higher-interest debt -- whatever your needs, we offer you flexible terms and affordable rates. At 1st Constitution Bank we understand that each loan applicant has different needs. We provide one-on-one customer service that you cannot get at other institutions. Take a closer look at our loans to find the one that interests you and then come in and discuss it with one of our loan experts.


1st Constitution Bank has built a strong reputation as a mortgage lender, serving the needs of real estate professionals, builders and individual homebuyers throughout the state.

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Reverse Mortgages

1st Constitution Bank offers reverse mortgages for qualified seniors. Terms are available for fixed or adjustable rate program. Our team of highly qualified professionals make house calls, and are available to meet at your convenience.

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Personal Loans

Our signature loan for a variety of personal needs. How can we help you today?

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Overdraft Protection Loans

Avoid costly overdraft charges with a 1st Constitution Bank cash reserve account.

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Construction Loans

Whether for personal or business, come in to discuss a custom designed construction loan – we have a wide range to choose from.

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Automobile Loans

1st Constitution Bank offers financing up to 100% of the cost of a new vehicle and up to 100% of the NADA loan value of used vehicles. If a dealer offers you a choice between a low interest rate or a rebate, contact us first!

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Home Equity Loans

A Home Equity Line of Credit is the most flexible way to utilize your home's equity. It allows you to tap into your equity, as you need it. Home Equity Loans provide a lump-sum loan amount that is available at the loan's initiation and is repaid in monthly installments over the life of the loan.

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