Auto Loan Rates in New Jersey (NJ) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in New Jersey. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in New Jersey include Baxter Credit UnionBaxter Credit Union1 Becton Dr, Franklin Lakes, NJ, 07417 1815A5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, Merck Employees Federal Credit UnionMerck Employees Federal Credit Union126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607A+5.0 ★Texas Ratio: 0.22% offering Auto Loan at 3.25%, Wakefern Federal Credit UnionWakefern Federal Credit Union505 Division St, Elizabeth, NJ, 07201A+5.0 ★Texas Ratio: 0.05% offering New Car Loans at 3.49%, Deepwater Industries Federal Credit UnionDeepwater Industries Federal Credit Union565 North Broadway, Deepwater, NJ, 08023A+5.0 ★Texas Ratio: 2.02% offering New Vehicles at 3.50%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union614 Frelinghuysen Ave Fl 1, Newark, NJ, 07114A+5.0 ★Texas Ratio: 2.63% offering New Auto at 3.74%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across New Jersey side-by-side. New Jersey auto loan rates currently start as low as 3.24% APR from Baxter Credit Union at 1 Becton Dr, Franklin Lakes, NJ, 07417 1815. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in New Jersey. Auto Loan Rates Last Updated and Verified: April 19, 2026
Compare Auto Loan Rates Today in New Jersey
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2026 & Newer
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Auto Loan
3.25%
12-60
▼
APR3.25%
Term12-60
Last UpdatedApr 17, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Used Auto Loan
3.25%
12-60
▼
APR3.25%
Term12-60
Last UpdatedApr 17, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
3.49%
Up to 36
▼
APR3.49%
TermUp to 36
Last UpdatedApr 18, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles
3.50%
Up to 60
▼
APR3.50%
TermUp to 60
Last UpdatedApr 17, 2026
Details
As Low As; Auto Pay
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
614 Frelinghuysen Ave Fl 1, Newark, NJ, 07114
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Credit Union Of New Jersey A Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
1301 Parkway Ave, Ewing, NJ, 08628
Auto Loans
3.74%
24 Months
▼
APR3.74%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 16, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Auto Loans -- New or Used Under 3 years
3.99%
3 Months
▼
APR3.99%
Term3 Months
Last UpdatedApr 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
With credit score of 700 and above
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2026 & Newer
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles
4.00%
Up to 60
▼
APR4.00%
TermUp to 60
Last UpdatedApr 17, 2026
Details
As Low As; Regular
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.00%
Up to 24 months
▼
APR4.00%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.15%
Up to 36 months
▼
APR4.15%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only)
4.24%
Up to 24 Months
▼
APR4.24%
TermUp to 24 Months
Last UpdatedApr 18, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
614 Frelinghuysen Ave Fl 1, Newark, NJ, 07114
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.24%
6 - 35
▼
APR4.24%
Term6 - 35
Last UpdatedApr 19, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedApr 17, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Auto Loan
4.25%
72-120
▼
APR4.25%
Term72-120
Last UpdatedApr 17, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Used Auto Loan
4.25%
72-120
▼
APR4.25%
Term72-120
Last UpdatedApr 17, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.25%
Up to 24 months
▼
APR4.25%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.30%
Up to 48 months
▼
APR4.30%
TermUp to 48 months
Last UpdatedApr 17, 2026
Details
As Low As
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
225 E State St, Trenton, NJ, 08608 1800
Used Auto Loans
4.34%
24 to 84 Month
▼
APR4.34%
Term24 to 84 Month
Last UpdatedApr 19, 2026
Details
As Low As; .25% discount if payroll deducted; Rate is determined by credit risk score.; Additional Savings of .25% if Payroll Deducted; 30% down for lowest rate
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
4.35%
Up to 2
▼
APR4.35%
TermUp to 2
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only)
4.38%
25 to 36 Months
▼
APR4.38%
Term25 to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car
4.39%
60 Months
▼
APR4.39%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.45%
Up to 60 months
▼
APR4.45%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loan
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedApr 18, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
614 Frelinghuysen Ave Fl 1, Newark, NJ, 07114
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto Loan
4.49%
Up to 36
▼
APR4.49%
TermUp to 36
Last UpdatedApr 18, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Used Auto Loan
4.49%
Up to 36
▼
APR4.49%
TermUp to 36
Last UpdatedApr 18, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2023 - 2025*
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.49%
36 - 47
▼
APR4.49%
Term36 - 47
Last UpdatedApr 19, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles
4.50%
Up to 72
▼
APR4.50%
TermUp to 72
Last UpdatedApr 17, 2026
Details
As Low As; Regular
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Used Cars and Trucks
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 17, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
35 Main St, South Bound Brook, NJ, 08880
New Car Loans
4.50%
Up to 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedApr 18, 2026
Details
As Low As; 10% down payment
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.55%
Up to 48 months
▼
APR4.55%
TermUp to 48 months
Last UpdatedApr 17, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedApr 16, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
4.60%
36 Months
▼
APR4.60%
Term36 Months
Last UpdatedApr 16, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
4.60%
Up to 3
▼
APR4.60%
TermUp to 3
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
4.60%
Up to 2
▼
APR4.60%
TermUp to 2
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.60%
Up to 72 months
▼
APR4.60%
TermUp to 72 months
Last UpdatedApr 17, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only)
4.63%
37 to 48 Months
▼
APR4.63%
Term37 to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
Pre-Owned
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedApr 16, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.70%
Up to 60 months
▼
APR4.70%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 17, 2026
Details
2013 & Newer
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Leasing Alternative Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Used Auto Loan
4.74%
37-48
▼
APR4.74%
Term37-48
Last UpdatedApr 18, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.74%
48 - 59
▼
APR4.74%
Term48 - 59
Last UpdatedApr 19, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.75%
Up to 84 months
▼
APR4.75%
TermUp to 84 months
Last UpdatedApr 17, 2026
Details
As Low As
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
392 Main St, Hackensack, NJ, 07601 5805
Vehicle Loans Model Year 2024-2026
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 18, 2026
Details
Up to $65,000
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
4.85%
Up to 4
▼
APR4.85%
TermUp to 4
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
4.85%
Up to 3
▼
APR4.85%
TermUp to 3
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.85%
Up to 72 months
▼
APR4.85%
TermUp to 72 months
Last UpdatedApr 17, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only)
4.88%
49 to 66 Months
▼
APR4.88%
Term49 to 66 Months
Last UpdatedApr 18, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
477 Jeremiah Ave, Trenton, NJ, 08610
Auto Loan
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Auto Loan
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
711 Union Blvd, Totowa, NJ, 07512 2207
New Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedApr 17, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
711 Union Blvd, Totowa, NJ, 07512 2207
Used Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedApr 17, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedApr 16, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ, 07446
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedApr 16, 2026
Details
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
Auto Loans - Model Year 2021 and 2020*Up to 120,000 miles
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
NEW CAR LOANS
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
USED CAR LOANS
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
With credit score of 700 and above
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
Used Cars
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
With credit score of 700 and above
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
2019 & Newer
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Auto Loan
4.99%
Up to 63
▼
APR4.99%
TermUp to 63
Last UpdatedApr 18, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
477 Jeremiah Ave, Trenton, NJ, 08610
Auto Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedApr 18, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Minimum loan amount $30,000
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
NEW AUTOS-2026 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
NEW AUTOS-2026 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
NEW AUTOS-2026 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
614 Frelinghuysen Ave Fl 1, Newark, NJ, 07114
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto Loan
4.99%
49-60
▼
APR4.99%
Term49-60
Last UpdatedApr 18, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Used Auto Loan
4.99%
49-60
▼
APR4.99%
Term49-60
Last UpdatedApr 18, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2023 - 2025*
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.99%
60 - 71
▼
APR4.99%
Term60 - 71
Last UpdatedApr 19, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
4.99%
6 - 35
▼
APR4.99%
Term6 - 35
Last UpdatedApr 19, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
5.00%
Up to 5
▼
APR5.00%
TermUp to 5
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.00%
Up to 4
▼
APR5.00%
TermUp to 4
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; Regular
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Used Cars and Trucks
5.00%
42 Months
▼
APR5.00%
Term42 Months
Last UpdatedApr 17, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Older or High Mileage Used Auto
5.00%
3 Months
▼
APR5.00%
Term3 Months
Last UpdatedApr 17, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
New Auto Loans
5.00%
Up to 36 months
▼
APR5.00%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
5.04%
60 Months
▼
APR5.04%
Term60 Months
Last UpdatedApr 16, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only)
5.13%
67 to 72 Months
▼
APR5.13%
Term67 to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
Pre-Owned
5.14%
72 Months
▼
APR5.14%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Auto Loan
5.14%
60 Months
▼
APR5.14%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
477 Jeremiah Ave, Trenton, NJ, 08610
Auto Loan
5.19%
75 Months
▼
APR5.19%
Term75 Months
Last UpdatedApr 18, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.20%
Up to 5
▼
APR5.20%
TermUp to 5
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
Auto Loans - Model Year 2021 and 2020*Up to 120,000 miles
5.24%
Up to 48 Months
▼
APR5.24%
TermUp to 48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 17, 2026
Details
With credit score of 700 and above
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Auto Loan
5.24%
64 to 75
▼
APR5.24%
Term64 to 75
Last UpdatedApr 18, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Leasing Alternative Auto Loan
5.24%
37-48 Months
▼
APR5.24%
Term37-48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto Loan
5.24%
61-72
▼
APR5.24%
Term61-72
Last UpdatedApr 18, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
5.24%
72 - 84
▼
APR5.24%
Term72 - 84
Last UpdatedApr 19, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.24%
36 - 47
▼
APR5.24%
Term36 - 47
Last UpdatedApr 19, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ, 07446
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedApr 16, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Older or High Mileage Used Auto
5.25%
4 Months
▼
APR5.25%
Term4 Months
Last UpdatedApr 17, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 17, 2026
Details
2022 & Newer
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
New Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; NJ vehicles only.
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
392 Main St, Hackensack, NJ, 07601 5805
Vehicle Loans Model Year 2024-2026
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 18, 2026
Details
Up to $65,000
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
5.30%
Up to 6
▼
APR5.30%
TermUp to 6
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Vehicle Loan
5.35%
24 months
▼
APR5.35%
Term24 months
Last UpdatedApr 17, 2026
Details
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car
5.39%
84 Months
▼
APR5.39%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
Auto Loans - Model Year 2021 and 2020*Up to 120,000 miles
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
NEW CAR LOANS
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 17, 2026
Details
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
USED CAR LOANS
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 17, 2026
Details
With credit score of 700 and above
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
Used Auto Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; NJ vehicles only.
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Used Auto 2025 & 2024
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Used Auto Loan
5.49%
61-72
▼
APR5.49%
Term61-72
Last UpdatedApr 18, 2026
Details
As Low As
FIRST POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
New Auto Loan
5.49%
6 years
▼
APR5.49%
Term6 years
Last UpdatedApr 19, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.49%
48 - 59
▼
APR5.49%
Term48 - 59
Last UpdatedApr 19, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedApr 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Used Cars and Trucks
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedApr 17, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Older or High Mileage Used Auto
5.50%
5 Months
▼
APR5.50%
Term5 Months
Last UpdatedApr 17, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Used Vehicle (car, truck, van)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
New Auto Loans
5.50%
Up to 60 months
▼
APR5.50%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
35 Main St, South Bound Brook, NJ, 08880
Used Car Loans
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; 15% down payment
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
New Car Loan
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
Up to 36 Months
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
5.52%
72 Months
▼
APR5.52%
Term72 Months
Last UpdatedApr 16, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
New Auto
5.53%
60 Months
▼
APR5.53%
Term60 Months
Last UpdatedApr 16, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
477 Jeremiah Ave, Trenton, NJ, 08610
Auto Loan
5.54%
48 Months
▼
APR5.54%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
477 Jeremiah Ave, Trenton, NJ, 08610
Auto Loan
5.59%
84 Months
▼
APR5.59%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Vehicle Loan
5.60%
48 months
▼
APR5.60%
Term48 months
Last UpdatedApr 17, 2026
Details
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only)
5.63%
73 to 84 Months
▼
APR5.63%
Term73 to 84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.65%
Up to 6
▼
APR5.65%
TermUp to 6
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
5.67%
84 Months
▼
APR5.67%
Term84 Months
Last UpdatedApr 16, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
New Auto
5.68%
72 Months
▼
APR5.68%
Term72 Months
Last UpdatedApr 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
Auto Loans - Model Year 2019 and Older*Up to 120,000 miles
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Used Vehicle (car, truck, van)
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
477 Jeremiah Ave, Trenton, NJ, 08610
Auto Loan
5.74%
66 Months
▼
APR5.74%
Term66 Months
Last UpdatedApr 18, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 ADP Blvd, Roseland, NJ, 07068
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Auto Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
NEW AUTOS-2026 72 Months
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedApr 18, 2026
Details
Special limitations apply on all terms and rates, please contact the credit union for more information.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Used Auto 2023-2021
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Used Auto 2025 & 2024
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Leasing Alternative Auto Loan
5.74%
49-60 Months
▼
APR5.74%
Term49-60 Months
Last UpdatedApr 18, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.74%
60 - 71
▼
APR5.74%
Term60 - 71
Last UpdatedApr 19, 2026
Details
As Low As
Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
1179 Route 40, Pilesgrove, NJ, 08098
New Auto Loan
5.75%
6yrs - 700 and above credit score
▼
APR5.75%
Term6yrs - 700 and above credit score
Last UpdatedApr 16, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Used Vehicle (car, truck, van)
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
New Car Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedApr 18, 2026
Details
37-60 Months
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Vehicle Loan
5.85%
60 months
▼
APR5.85%
Term60 months
Last UpdatedApr 17, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
Pre-Owned Auto Loan (60 months)
5.88%
60 Months
▼
APR5.88%
Term60 Months
Last UpdatedApr 16, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
Pre-Owned Auto Loan (72 months)
5.88%
72 Months
▼
APR5.88%
Term72 Months
Last UpdatedApr 16, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Auto Loan
5.89%
84 Months
▼
APR5.89%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
GAF Linden Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.11%
1 Campus Dr, Parsippany, NJ, 07054 4404
NEW Automobile
5.90%
60 Months
▼
APR5.90%
Term60 Months
Last UpdatedApr 17, 2026
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
New Auto Loans
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
Auto Loans - Model Year 2019 and Older*Up to 120,000 miles
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
Auto Loans - Model Year 2021 and 2020*Up to 120,000 miles
5.99%
Up to 72 Months
▼
APR5.99%
TermUp to 72 Months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
NEW CAR LOANS
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
With credit score of 600 to 699
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
Used Cars
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
With credit score of 700 and above
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Auto Loan
5.99%
76 - 84
▼
APR5.99%
Term76 - 84
Last UpdatedApr 18, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
Used Auto Loan
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; NJ vehicles only.
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Minimum loan amount $30,000
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
35 Main St, South Bound Brook, NJ, 08880
New Car Loans
5.99%
7 years
▼
APR5.99%
Term7 years
Last UpdatedApr 18, 2026
Details
As Low As; 10% down payment
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
774 Alexander Rd, Princeton, NJ, 08540 6305
New Automobile Loan 2026 (new)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Used Auto 2023-2021
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
392 Main St, Hackensack, NJ, 07601 5805
Vehicle Loans Model Year 2024-2026
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
Up to $65,000
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2023 - 2025*
FIRST POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
New Auto Loan
5.99%
7 years
▼
APR5.99%
Term7 years
Last UpdatedApr 19, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.99%
72 - 83
▼
APR5.99%
Term72 - 83
Last UpdatedApr 19, 2026
Details
As Low As
Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
1179 Route 40, Pilesgrove, NJ, 08098
New Auto Loan
6.00%
6yrs - 651-699 credit score
▼
APR6.00%
Term6yrs - 651-699 credit score
Last UpdatedApr 16, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
New Auto Loans
6.00%
Up to 84** months
▼
APR6.00%
TermUp to 84** months
Last UpdatedApr 17, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
New Car Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedApr 18, 2026
Details
61-72 Months
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
Used Car Loan (2022-2025)
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedApr 18, 2026
Details
Up to 36 Months
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
392 Main St, Hackensack, NJ, 07601 5805
Vehicle Loans Model Year 2021-2023
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedApr 18, 2026
Details
Up to $40,000
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
6.05%
Up to 7
▼
APR6.05%
TermUp to 7
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Vehicle Loan
6.10%
72 months
▼
APR6.10%
Term72 months
Last UpdatedApr 17, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
477 Jeremiah Ave, Trenton, NJ, 08610
Auto Loan
6.14%
75 Months
▼
APR6.14%
Term75 Months
Last UpdatedApr 18, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Auto Loan
6.14%
84 Months
▼
APR6.14%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
New Auto
6.18%
84 Months
▼
APR6.18%
Term84 Months
Last UpdatedApr 16, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
6.20%
72 Months
▼
APR6.20%
Term72 Months
Last UpdatedApr 16, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
3.49%
Up to 36
▼
APR3.49%
TermUp to 36
Last UpdatedApr 18, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles
3.50%
Up to 60
▼
APR3.50%
TermUp to 60
Last UpdatedApr 17, 2026
Details
As Low As; Auto Pay
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
614 Frelinghuysen Ave Fl 1, Newark, NJ, 07114
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 16, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Auto Loans -- New or Used Under 3 years
3.99%
3 Months
▼
APR3.99%
Term3 Months
Last UpdatedApr 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
With credit score of 700 and above
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles
4.00%
Up to 60
▼
APR4.00%
TermUp to 60
Last UpdatedApr 17, 2026
Details
As Low As; Regular
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.00%
Up to 24 months
▼
APR4.00%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.15%
Up to 36 months
▼
APR4.15%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only)
4.24%
Up to 24 Months
▼
APR4.24%
TermUp to 24 Months
Last UpdatedApr 18, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.24%
6 - 35
▼
APR4.24%
Term6 - 35
Last UpdatedApr 19, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedApr 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.30%
Up to 48 months
▼
APR4.30%
TermUp to 48 months
Last UpdatedApr 17, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
4.35%
Up to 2
▼
APR4.35%
TermUp to 2
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only)
4.38%
25 to 36 Months
▼
APR4.38%
Term25 to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car
4.39%
60 Months
▼
APR4.39%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.45%
Up to 60 months
▼
APR4.45%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
614 Frelinghuysen Ave Fl 1, Newark, NJ, 07114
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto Loan
4.49%
Up to 36
▼
APR4.49%
TermUp to 36
Last UpdatedApr 18, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.49%
36 - 47
▼
APR4.49%
Term36 - 47
Last UpdatedApr 19, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles
4.50%
Up to 72
▼
APR4.50%
TermUp to 72
Last UpdatedApr 17, 2026
Details
As Low As; Regular
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
35 Main St, South Bound Brook, NJ, 08880
New Car Loans
4.50%
Up to 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedApr 18, 2026
Details
As Low As; 10% down payment
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedApr 16, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
4.60%
Up to 3
▼
APR4.60%
TermUp to 3
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.60%
Up to 72 months
▼
APR4.60%
TermUp to 72 months
Last UpdatedApr 17, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only)
4.63%
37 to 48 Months
▼
APR4.63%
Term37 to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedApr 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.74%
48 - 59
▼
APR4.74%
Term48 - 59
Last UpdatedApr 19, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.75%
Up to 84 months
▼
APR4.75%
TermUp to 84 months
Last UpdatedApr 17, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
4.85%
Up to 4
▼
APR4.85%
TermUp to 4
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only)
4.88%
49 to 66 Months
▼
APR4.88%
Term49 to 66 Months
Last UpdatedApr 18, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
711 Union Blvd, Totowa, NJ, 07512 2207
New Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedApr 17, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ, 07446
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedApr 16, 2026
Details
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
NEW CAR LOANS
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
With credit score of 700 and above
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Minimum loan amount $30,000
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
NEW AUTOS-2026 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
NEW AUTOS-2026 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
NEW AUTOS-2026 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto Loan
4.99%
49-60
▼
APR4.99%
Term49-60
Last UpdatedApr 18, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.99%
60 - 71
▼
APR4.99%
Term60 - 71
Last UpdatedApr 19, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
5.00%
Up to 5
▼
APR5.00%
TermUp to 5
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; Regular
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 17, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
New Auto Loans
5.00%
Up to 36 months
▼
APR5.00%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only)
5.13%
67 to 72 Months
▼
APR5.13%
Term67 to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 17, 2026
Details
With credit score of 700 and above
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto Loan
5.24%
61-72
▼
APR5.24%
Term61-72
Last UpdatedApr 18, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
5.24%
72 - 84
▼
APR5.24%
Term72 - 84
Last UpdatedApr 19, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ, 07446
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedApr 16, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
New Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; NJ vehicles only.
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
5.30%
Up to 6
▼
APR5.30%
TermUp to 6
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car
5.39%
84 Months
▼
APR5.39%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
NEW CAR LOANS
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 17, 2026
Details
With credit score of 700 and above
FIRST POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
New Auto Loan
5.49%
6 years
▼
APR5.49%
Term6 years
Last UpdatedApr 19, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedApr 17, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
New Auto Loans
5.50%
Up to 60 months
▼
APR5.50%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
New Car Loan
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
Up to 36 Months
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
5.52%
72 Months
▼
APR5.52%
Term72 Months
Last UpdatedApr 16, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
New Auto
5.53%
60 Months
▼
APR5.53%
Term60 Months
Last UpdatedApr 16, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only)
5.63%
73 to 84 Months
▼
APR5.63%
Term73 to 84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
5.67%
84 Months
▼
APR5.67%
Term84 Months
Last UpdatedApr 16, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
New Auto
5.68%
72 Months
▼
APR5.68%
Term72 Months
Last UpdatedApr 16, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 ADP Blvd, Roseland, NJ, 07068
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
NEW AUTOS-2026 72 Months
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedApr 18, 2026
Details
Special limitations apply on all terms and rates, please contact the credit union for more information.
Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
1179 Route 40, Pilesgrove, NJ, 08098
New Auto Loan
5.75%
6yrs - 700 and above credit score
▼
APR5.75%
Term6yrs - 700 and above credit score
Last UpdatedApr 16, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
New Car Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedApr 18, 2026
Details
37-60 Months
GAF Linden Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.11%
1 Campus Dr, Parsippany, NJ, 07054 4404
NEW Automobile
5.90%
60 Months
▼
APR5.90%
Term60 Months
Last UpdatedApr 17, 2026
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
New Auto Loans
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
NEW CAR LOANS
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
With credit score of 600 to 699
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
35 Main St, South Bound Brook, NJ, 08880
New Car Loans
5.99%
7 years
▼
APR5.99%
Term7 years
Last UpdatedApr 18, 2026
Details
As Low As; 10% down payment
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
774 Alexander Rd, Princeton, NJ, 08540 6305
New Automobile Loan 2026 (new)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
FIRST POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
New Auto Loan
5.99%
7 years
▼
APR5.99%
Term7 years
Last UpdatedApr 19, 2026
Details
Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
1179 Route 40, Pilesgrove, NJ, 08098
New Auto Loan
6.00%
6yrs - 651-699 credit score
▼
APR6.00%
Term6yrs - 651-699 credit score
Last UpdatedApr 16, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
New Auto Loans
6.00%
Up to 84** months
▼
APR6.00%
TermUp to 84** months
Last UpdatedApr 17, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
New Car Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedApr 18, 2026
Details
61-72 Months
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
6.05%
Up to 7
▼
APR6.05%
TermUp to 7
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
New Auto
6.18%
84 Months
▼
APR6.18%
Term84 Months
Last UpdatedApr 16, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Used Auto Loan
3.25%
12-60
▼
APR3.25%
Term12-60
Last UpdatedApr 17, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Auto Loans -- New or Used Under 3 years
3.99%
3 Months
▼
APR3.99%
Term3 Months
Last UpdatedApr 17, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
614 Frelinghuysen Ave Fl 1, Newark, NJ, 07114
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedApr 17, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Used Auto Loan
4.25%
72-120
▼
APR4.25%
Term72-120
Last UpdatedApr 17, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.25%
Up to 24 months
▼
APR4.25%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
225 E State St, Trenton, NJ, 08608 1800
Used Auto Loans
4.34%
24 to 84 Month
▼
APR4.34%
Term24 to 84 Month
Last UpdatedApr 19, 2026
Details
As Low As; .25% discount if payroll deducted; Rate is determined by credit risk score.; Additional Savings of .25% if Payroll Deducted; 30% down for lowest rate
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loan
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedApr 18, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Used Auto Loan
4.49%
Up to 36
▼
APR4.49%
TermUp to 36
Last UpdatedApr 18, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Used Cars and Trucks
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.55%
Up to 48 months
▼
APR4.55%
TermUp to 48 months
Last UpdatedApr 17, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
4.60%
36 Months
▼
APR4.60%
Term36 Months
Last UpdatedApr 16, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
4.60%
Up to 2
▼
APR4.60%
TermUp to 2
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
Pre-Owned
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.70%
Up to 60 months
▼
APR4.70%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 17, 2026
Details
2013 & Newer
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Used Auto Loan
4.74%
37-48
▼
APR4.74%
Term37-48
Last UpdatedApr 18, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 17, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
4.85%
Up to 3
▼
APR4.85%
TermUp to 3
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.85%
Up to 72 months
▼
APR4.85%
TermUp to 72 months
Last UpdatedApr 17, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
711 Union Blvd, Totowa, NJ, 07512 2207
Used Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedApr 17, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedApr 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
USED CAR LOANS
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
Used Cars
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
With credit score of 700 and above
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
2019 & Newer
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
614 Frelinghuysen Ave Fl 1, Newark, NJ, 07114
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Used Auto Loan
4.99%
49-60
▼
APR4.99%
Term49-60
Last UpdatedApr 18, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
4.99%
6 - 35
▼
APR4.99%
Term6 - 35
Last UpdatedApr 19, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.00%
Up to 4
▼
APR5.00%
TermUp to 4
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Used Cars and Trucks
5.00%
42 Months
▼
APR5.00%
Term42 Months
Last UpdatedApr 17, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Older or High Mileage Used Auto
5.00%
3 Months
▼
APR5.00%
Term3 Months
Last UpdatedApr 17, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
5.04%
60 Months
▼
APR5.04%
Term60 Months
Last UpdatedApr 16, 2026
Details
As Low As
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
Pre-Owned
5.14%
72 Months
▼
APR5.14%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.20%
Up to 5
▼
APR5.20%
TermUp to 5
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.24%
36 - 47
▼
APR5.24%
Term36 - 47
Last UpdatedApr 19, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Older or High Mileage Used Auto
5.25%
4 Months
▼
APR5.25%
Term4 Months
Last UpdatedApr 17, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 17, 2026
Details
2022 & Newer
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
USED CAR LOANS
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 17, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
Used Auto Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; NJ vehicles only.
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Used Auto 2025 & 2024
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Used Auto Loan
5.49%
61-72
▼
APR5.49%
Term61-72
Last UpdatedApr 18, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.49%
48 - 59
▼
APR5.49%
Term48 - 59
Last UpdatedApr 19, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Used Cars and Trucks
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedApr 17, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Older or High Mileage Used Auto
5.50%
5 Months
▼
APR5.50%
Term5 Months
Last UpdatedApr 17, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Used Vehicle (car, truck, van)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
35 Main St, South Bound Brook, NJ, 08880
Used Car Loans
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; 15% down payment
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.65%
Up to 6
▼
APR5.65%
TermUp to 6
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Used Vehicle (car, truck, van)
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 ADP Blvd, Roseland, NJ, 07068
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Used Auto 2023-2021
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Used Auto 2025 & 2024
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.74%
60 - 71
▼
APR5.74%
Term60 - 71
Last UpdatedApr 19, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Used Vehicle (car, truck, van)
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
Pre-Owned Auto Loan (60 months)
5.88%
60 Months
▼
APR5.88%
Term60 Months
Last UpdatedApr 16, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
Pre-Owned Auto Loan (72 months)
5.88%
72 Months
▼
APR5.88%
Term72 Months
Last UpdatedApr 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
Used Cars
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
With credit score of 700 and above
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
Used Auto Loan
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; NJ vehicles only.
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Minimum loan amount $30,000
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Used Auto 2023-2021
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.99%
72 - 83
▼
APR5.99%
Term72 - 83
Last UpdatedApr 19, 2026
Details
As Low As
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
Used Car Loan (2022-2025)
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedApr 18, 2026
Details
Up to 36 Months
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
6.20%
72 Months
▼
APR6.20%
Term72 Months
Last UpdatedApr 16, 2026
Details
As Low As
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MonitorBankRates
New Jersey Auto Loan Rate Trends
Compare local New Jersey auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — NJ Avg
5.770%
▼ 0.083 vs 7 days ago
New Jersey new auto rates fell 0.083 points over the past 7 days to 5.770% APR.
Used Auto Loan — NJ Avg
8.174%
▲ 0.190 vs 7 days ago
New Jersey used auto rates rose 0.190 points over the past 7 days to 8.174% APR.
As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in New Jersey
How does my credit score affect my car loan rate in New Jersey?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in New Jersey with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in New Jersey *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in New Jersey typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in New Jersey?
Based on our current data, some of the lowest auto loan rates available in New Jersey include:
- Baxter Credit Union: 3.24% (Auto Loans)
- Merck Employees Federal Credit Union: 3.25% (Auto Loan)
- Wakefern Federal Credit Union: 3.49% (New Car Loans)
- Deepwater Industries Federal Credit Union: 3.50% (New Vehicles)
- American Airlines Federal Credit Union: 3.74% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in New Jersey. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026
Auto Loan Rates by City in New Jersey
Rate Assistant
MonitorBankRates.com · Live Data
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