Auto Loan Rates in Lakewood, New Jersey (NJ) for June 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 Lakewood, New Jersey. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Lakewood, New Jersey include Unity BankUnity Bank1255 Route 70, Lakewood, NJ, 08701A5.0 ★Texas Ratio: 7.29% offering New Auto Loans (2026) at 7.50%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.04% offering Auto Loans at 3.24%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, Wakefern Federal Credit UnionWakefern Federal Credit UnionA+5.0 ★Texas Ratio: 0.05% offering New Car Loans at 3.49%, Deepwater Industries Federal Credit UnionDeepwater Industries Federal Credit UnionA+5.0 ★Texas Ratio: 1.96% offering New Vehicles Loan at 3.50%. Auto loan rates as of June 4, 2026 according to verified data from MonitorBankRates.
Lakewood has 1 local institution in our database, with auto loan rates as low as 7.50% APR from Unity Bank at 1255 Route 70, Lakewood, NJ, 08701. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Lakewood, New Jersey. Auto Loan Rates Last Updated and Verified: June 4, 2026
Compare Auto Loan Rates Today in Lakewood, New Jersey & Surrounding Area
Lakewood Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ, 08701
New Auto Loans (2026)
7.50%
5 Months
▼
APR7.50%
Term5 Months
Last UpdatedJun 3, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ, 08701
New Auto Loans (2026)
7.88%
6 Months
▼
APR7.88%
Term6 Months
Last UpdatedJun 3, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ, 08701
Used Auto Loans (2023 to 2025)
8.25%
5 Months
▼
APR8.25%
Term5 Months
Last UpdatedJun 3, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ, 08701
Used Auto Loans (2021 to 2022)
9.00%
4 Months
▼
APR9.00%
Term4 Months
Last UpdatedJun 3, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Car Loans
3.49%
Up to 36 months
▼
APR3.49%
TermUp to 36 months
Last UpdatedMay 22, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Vehicles Loan
3.50%
Up to 60 months
▼
APR3.50%
TermUp to 60 months
Last UpdatedMay 21, 2026
Details
As Low As; Auto Pay
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New Auto Loan
3.75%
72 Months
▼
APR3.75%
Term72 Months
Last UpdatedMay 22, 2026
Details
Up to 72 months*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Auto Loans -- New or Used Under 3 years
3.99%
3 Months
▼
APR3.99%
Term3 Months
Last UpdatedMay 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Cars
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Car Loans
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedMay 22, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Auto Loans (New Vehicles only)
3.99%
Up to 24 Months
▼
APR3.99%
TermUp to 24 Months
Last UpdatedMay 22, 2026
Details
As Low As; Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on 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: 11.23%
New Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedJun 3, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
New Auto
4.00%
Up to 24 months
▼
APR4.00%
TermUp to 24 months
Last UpdatedMay 17, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Vehicles Loan
4.00%
Up to 60 months
▼
APR4.00%
TermUp to 60 months
Last UpdatedMay 21, 2026
Details
As Low As; Regular
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
Auto Loan
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 17, 2026
Details
from 5/1 to 7/3
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Auto Loans (New Vehicles only)
4.13%
25 to 36 Months
▼
APR4.13%
Term25 to 36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
New Auto
4.15%
Up to 36 months
▼
APR4.15%
TermUp to 36 months
Last UpdatedMay 17, 2026
Details
As Low As
APR4.24%
Term6 - 35
Last UpdatedJun 1, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
Used Autos
4.25%
Up to 24 months
▼
APR4.25%
TermUp to 24 months
Last UpdatedMay 17, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
New Auto Loans
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedMay 22, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Used Auto Loans
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedMay 22, 2026
Details
2019 & Newer
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 22, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
New Auto
4.30%
Up to 48 months
▼
APR4.30%
TermUp to 48 months
Last UpdatedMay 17, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
New Auto
4.35%
2 Months
▼
APR4.35%
Term2 Months
Last UpdatedMay 21, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Auto Loans (New Vehicles only)
4.38%
37 to 48 Months
▼
APR4.38%
Term37 to 48 Months
Last UpdatedMay 22, 2026
Details
As Low As; Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on 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: 6.78%
New Car
4.39%
60 Months
▼
APR4.39%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
Used Autos
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedMay 17, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
New Auto
4.45%
Up to 60 months
▼
APR4.45%
TermUp to 60 months
Last UpdatedMay 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 17, 2026
Details
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Car Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedMay 22, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Car Loans
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedMay 22, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
New Auto Loan
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedMay 30, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Used Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
New Vehicle Loans
4.49%
36 - 47
▼
APR4.49%
Term36 - 47
Last UpdatedJun 1, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 17, 2026
Details
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Vehicles Loan
4.50%
Up to 72 months
▼
APR4.50%
TermUp to 72 months
Last UpdatedMay 21, 2026
Details
As Low As; Regular
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
New Car Loans
4.50%
Up to 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedMay 22, 2026
Details
As Low As; 10% down payment
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Vehicle Loans Model Year 2024-2027
4.50%
Up to 36 months
▼
APR4.50%
TermUp to 36 months
Last UpdatedMay 23, 2026
Details
Up to $65,000
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
Used Autos
4.55%
Up to 48 months
▼
APR4.55%
TermUp to 48 months
Last UpdatedMay 17, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
4.59%
48 months
▼
APR4.59%
Term48 months
Last UpdatedJun 3, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
New Auto
4.60%
Up to 72 months
▼
APR4.60%
TermUp to 72 months
Last UpdatedMay 17, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
New Auto
4.60%
3 Months
▼
APR4.60%
Term3 Months
Last UpdatedMay 21, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Used Auto
4.60%
2 Months
▼
APR4.60%
Term2 Months
Last UpdatedMay 21, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
4.60%
36 months
▼
APR4.60%
Term36 months
Last UpdatedJun 3, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Auto Loans (New Vehicles only)
4.63%
49 to 66 Months
▼
APR4.63%
Term49 to 66 Months
Last UpdatedMay 22, 2026
Details
As Low As; Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on 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: 6.78%
Pre-Owned
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
4.69%
60 months
▼
APR4.69%
Term60 months
Last UpdatedJun 3, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
Used Autos
4.70%
Up to 60 months
▼
APR4.70%
TermUp to 60 months
Last UpdatedMay 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 17, 2026
Details
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Used Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 22, 2026
Details
2013 & Newer
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Leasing Alternative Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedMay 30, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
New Vehicle Loans
4.74%
48 - 59
▼
APR4.74%
Term48 - 59
Last UpdatedJun 1, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
New Auto
4.75%
Up to 84 months
▼
APR4.75%
TermUp to 84 months
Last UpdatedMay 17, 2026
Details
As Low As
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
Used Autos
4.85%
Up to 72 months
▼
APR4.85%
TermUp to 72 months
Last UpdatedMay 17, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
New Auto
4.85%
4 Months
▼
APR4.85%
Term4 Months
Last UpdatedMay 21, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Used Auto
4.85%
3 Months
▼
APR4.85%
Term3 Months
Last UpdatedMay 21, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Auto Loans (New Vehicles only)
4.88%
67 to 72 Months
▼
APR4.88%
Term67 to 72 Months
Last UpdatedMay 22, 2026
Details
As Low As; Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on 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: 6.78%
New Car
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMay 17, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
Used Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMay 17, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
4.94%
48 months
▼
APR4.94%
Term48 months
Last UpdatedJun 3, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
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 UpdatedMay 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
New Car Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 17, 2026
Details
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Used Car Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Cars
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 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: 2.62%
Used Cars
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New Vehicle (car, truck, van)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Used Auto Loans
4.99%
59 Months
▼
APR4.99%
Term59 Months
Last UpdatedMay 22, 2026
Details
2019 & Newer
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Car Loans
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedMay 22, 2026
Details
As Low As; Minimum loan amount $30,000
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Car Loans
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
New Auto Loan
4.99%
49-60 Months
▼
APR4.99%
Term49-60 Months
Last UpdatedMay 30, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As
APR4.99%
Term4 years
Last UpdatedJun 1, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
New Vehicle Loans
4.99%
60 - 71
▼
APR4.99%
Term60 - 71
Last UpdatedJun 1, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
Used Vehicle Loans
4.99%
6 - 35
▼
APR4.99%
Term6 - 35
Last UpdatedJun 1, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedJun 3, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
5.00%
42 Months
▼
APR5.00%
Term42 Months
Last UpdatedMay 17, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Older or High Mileage Used Auto
5.00%
3 Months
▼
APR5.00%
Term3 Months
Last UpdatedMay 17, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New Vehicle (car, truck, van)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
New Auto
5.00%
5 Months
▼
APR5.00%
Term5 Months
Last UpdatedMay 21, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Used Auto
5.00%
4 Months
▼
APR5.00%
Term4 Months
Last UpdatedMay 21, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Vehicles Loan
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedMay 21, 2026
Details
As Low As; Regular
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used Auto Loans Model years 2018 and older
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 22, 2026
Details
48 months max. term**
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used Auto Loans Model years 2019 - 2021
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 22, 2026
Details
Up to 60 months*
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used Auto Loans Model years 2022 - 2025
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 22, 2026
Details
Up to 72 months*
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
New Auto Loans
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 22, 2026
Details
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Vehicle Loans Model Year 2024-2027
5.00%
Up to 60 months
▼
APR5.00%
TermUp to 60 months
Last UpdatedMay 23, 2026
Details
Up to $65,000
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
5.04%
60 months
▼
APR5.04%
Term60 months
Last UpdatedJun 3, 2026
Details
As Low As
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
Pre-Owned
5.14%
72 Months
▼
APR5.14%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Used Auto
5.20%
5 Months
▼
APR5.20%
Term5 Months
Last UpdatedMay 21, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
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 UpdatedMay 17, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Cars
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Leasing Alternative Auto Loan
5.24%
37-48 Months
▼
APR5.24%
Term37-48 Months
Last UpdatedMay 30, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
New Auto Loan
5.24%
61-72 Months
▼
APR5.24%
Term61-72 Months
Last UpdatedMay 30, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
New Vehicle Loans
5.24%
72 - 84
▼
APR5.24%
Term72 - 84
Last UpdatedJun 1, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
Used Vehicle Loans
5.24%
36 - 47
▼
APR5.24%
Term36 - 47
Last UpdatedJun 1, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Older or High Mileage Used Auto
5.25%
4 Months
▼
APR5.25%
Term4 Months
Last UpdatedMay 17, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New Vehicle (car, truck, van)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 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: 2.86%
Used Auto Loans
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 22, 2026
Details
2022 & Newer
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As; NJ vehicles only.
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedJun 3, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
New Auto
5.30%
6 Months
▼
APR5.30%
Term6 Months
Last UpdatedMay 21, 2026
Details
As Low As
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Vehicle Loan
5.35%
24 months
▼
APR5.35%
Term24 months
Last UpdatedMay 17, 2026
Details
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Auto Loans (New Vehicles only)
5.38%
73 to 84 Months
▼
APR5.38%
Term73 to 84 Months
Last UpdatedMay 22, 2026
Details
As Low As; Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on 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: 6.78%
New Car
5.39%
84 Months
▼
APR5.39%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 17, 2026
Details
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
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 UpdatedMay 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
New Car Loans
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 17, 2026
Details
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Used Car Loans
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Car Loans
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
Used Auto Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As; NJ vehicles only.
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As
APR5.49%
Term6 years
Last UpdatedJun 1, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
Used Vehicle Loans
5.49%
48 - 59
▼
APR5.49%
Term48 - 59
Last UpdatedJun 1, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 17, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Older or High Mileage Used Auto
5.50%
5 Months
▼
APR5.50%
Term5 Months
Last UpdatedMay 17, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
Used Vehicle (car, truck, van)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 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: 2.86%
New Auto Loans
5.50%
59 Months
▼
APR5.50%
Term59 Months
Last UpdatedMay 22, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
Used Car Loans(Maximum age of car - Last 7 Model Years)
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; 15% down payment
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 22, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.76%
New Car Loan
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMay 22, 2026
Details
Up to 36 Months
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
5.52%
72 months*
▼
APR5.52%
Term72 months*
Last UpdatedJun 3, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
New Auto
5.53%
60 months
▼
APR5.53%
Term60 months
Last UpdatedJun 3, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
New Auto Loan
5.53%
60-months
▼
APR5.53%
Term60-months
Last UpdatedJun 3, 2026
Details
As Low As; Rates and terms accurate as of 6/3/2026 and are subject to change without notice. All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates and payment examples assume excellent borrower credit history, a 60-month term and a loan-to value (LTV) of 90% or less. Minimum auto loan amount is $3,750. Rate applies to loan amounts up to a maximum of $100,000. Payment Example: For a term of 60-months based on new car rate of 5.53% APR; estimated monthly payment of $19.12 per $1,000.00 borrowed.
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Vehicle Loan
5.60%
48 months
▼
APR5.60%
Term48 months
Last UpdatedMay 17, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Used Auto
5.65%
6 Months
▼
APR5.65%
Term6 Months
Last UpdatedMay 21, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
5.67%
84 months**
▼
APR5.67%
Term84 months**
Last UpdatedJun 3, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
New Auto
5.68%
72 months
▼
APR5.68%
Term72 months
Last UpdatedJun 3, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
Auto Loans - Model Year 2019 and Older*Up to 120,000 miles
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
Used Vehicle (car, truck, van)
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMay 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: 17.71%
New & Used Vehicles2 Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 22, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Leasing Alternative Auto Loan
5.74%
49-60 Months
▼
APR5.74%
Term49-60 Months
Last UpdatedMay 30, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
Used Vehicle Loans
5.74%
60 - 71
▼
APR5.74%
Term60 - 71
Last UpdatedJun 1, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
Used Vehicle (car, truck, van)
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 22, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.76%
New Car Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 22, 2026
Details
37-60 Months
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Vehicle Loans Model Year 2021-2023
5.75%
Up to 36 months
▼
APR5.75%
TermUp to 36 months
Last UpdatedMay 23, 2026
Details
Up to $40,000
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Vehicle Loans Model Year 2024-2027
5.75%
Up to 84 months
▼
APR5.75%
TermUp to 84 months
Last UpdatedMay 23, 2026
Details
Up to $65,000
Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Auto Loan
5.75%
6yrs - 700 and above credit score
▼
APR5.75%
Term6yrs - 700 and above credit score
Last UpdatedJun 3, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Vehicle Loan
5.85%
60 months
▼
APR5.85%
Term60 months
Last UpdatedMay 17, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
Pre-Owned Loan
5.88%
60 months
▼
APR5.88%
Term60 months
Last UpdatedJun 3, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
Used Auto Loan
5.88%
60-months
▼
APR5.88%
Term60-months
Last UpdatedJun 3, 2026
Details
As Low As; Rates and terms accurate as of 6/3/2026 and are subject to change without notice. All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates and payment examples assume excellent borrower credit history, a 60-month term and a loan-to value (LTV) of 90% or less. Minimum auto loan amount is $3,750. Rate applies to loan amounts up to a maximum of $100,000. Payment Example: For a term of 60-months based on used car rate of 5.88% APR; estimated monthly payment of 19.28 per $1,000 borrowed.
GAF Linden Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.11%
NEW Automobile
5.90%
60 Months
▼
APR5.90%
Term60 Months
Last UpdatedMay 17, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★ Texas Ratio: 10.08%
New Car Loan
5.95%
84 Months
▼
APR5.95%
Term84 Months
Last UpdatedJun 1, 2026
Details
$0 Minimum $60,000 Maximum 10 payments a year or 12 payments a year
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 17, 2026
Details
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
Auto Loans - Model Year 2019 and Older*Up to 120,000 miles
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
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 UpdatedMay 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
New Car Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Cars
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 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: 2.62%
Used Cars
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Car Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As; Minimum loan amount $30,000
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
New Car Loans
5.99%
7 years
▼
APR5.99%
Term7 years
Last UpdatedMay 22, 2026
Details
As Low As; 10% down payment
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
New Automobile Loan 2026 (new)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
Used Auto Loan
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As; NJ vehicles only.
APR5.99%
Term7 years
Last UpdatedJun 1, 2026
Details
APR5.99%
Term3 years
Last UpdatedJun 1, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
Used Vehicle Loans
5.99%
72 - 83
▼
APR5.99%
Term72 - 83
Last UpdatedJun 1, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Auto Loans
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedJun 4, 2026
Details
Rates as low as*
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New Vehicle (car, truck, van)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMay 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: 2.86%
New Auto Loans
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 22, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.76%
New Car Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMay 22, 2026
Details
61-72 Months
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.76%
Used Car Loan (2022-2025)
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMay 22, 2026
Details
Up to 36 Months
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
New Auto
6.05%
7 Months
▼
APR6.05%
Term7 Months
Last UpdatedMay 21, 2026
Details
As Low As
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Vehicle Loan
6.10%
72 months
▼
APR6.10%
Term72 months
Last UpdatedMay 17, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
New Auto
6.18%
84 months
▼
APR6.18%
Term84 months
Last UpdatedJun 3, 2026
Details
As Low As
GAF Linden Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.11%
USED Automobile
6.20%
60 Months
▼
APR6.20%
Term60 Months
Last UpdatedMay 17, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
6.20%
72 months*
▼
APR6.20%
Term72 months*
Last UpdatedJun 3, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Used Cars
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Used Automobile Loan 2023 or newer
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Auto Loans
6.24%
36 Months
▼
APR6.24%
Term36 Months
Last UpdatedJun 4, 2026
Details
Rates as low as*
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Used Auto Loans
6.24%
24 Months
▼
APR6.24%
Term24 Months
Last UpdatedJun 4, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New Only *84 Months
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 17, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New Only 84 Months
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 17, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.76%
New Car Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 22, 2026
Details
73-84 Months
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.76%
Used Car Loan (2022-2025)
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 22, 2026
Details
37-60 Months
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Vehicle Loans Model Year 2021-2023
6.25%
Up to 60 months
▼
APR6.25%
TermUp to 60 months
Last UpdatedMay 23, 2026
Details
Up to $40,000
Powered by
MonitorBankRates
Lakewood New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ, 08701
New Auto Loans (2026)
7.50%
5 Months
▼
APR7.50%
Term5 Months
Last UpdatedJun 3, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ, 08701
New Auto Loans (2026)
7.88%
6 Months
▼
APR7.88%
Term6 Months
Last UpdatedJun 3, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Car Loans
3.49%
Up to 36 months
▼
APR3.49%
TermUp to 36 months
Last UpdatedMay 22, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Vehicles Loan
3.50%
Up to 60 months
▼
APR3.50%
TermUp to 60 months
Last UpdatedMay 21, 2026
Details
As Low As; Auto Pay
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New Auto Loan
3.75%
72 Months
▼
APR3.75%
Term72 Months
Last UpdatedMay 22, 2026
Details
Up to 72 months*
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Auto Loans -- New or Used Under 3 years
3.99%
3 Months
▼
APR3.99%
Term3 Months
Last UpdatedMay 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Cars
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Car Loans
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedMay 22, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Auto Loans (New Vehicles only)
3.99%
Up to 24 Months
▼
APR3.99%
TermUp to 24 Months
Last UpdatedMay 22, 2026
Details
As Low As; Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on 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: 11.23%
New Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedJun 3, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
New Auto
4.00%
Up to 24 months
▼
APR4.00%
TermUp to 24 months
Last UpdatedMay 17, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Vehicles Loan
4.00%
Up to 60 months
▼
APR4.00%
TermUp to 60 months
Last UpdatedMay 21, 2026
Details
As Low As; Regular
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Auto Loans (New Vehicles only)
4.13%
25 to 36 Months
▼
APR4.13%
Term25 to 36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
New Auto
4.15%
Up to 36 months
▼
APR4.15%
TermUp to 36 months
Last UpdatedMay 17, 2026
Details
As Low As
APR4.24%
Term6 - 35
Last UpdatedJun 1, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 17, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
New Auto Loans
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedMay 22, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
New Auto
4.30%
Up to 48 months
▼
APR4.30%
TermUp to 48 months
Last UpdatedMay 17, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
New Auto
4.35%
2 Months
▼
APR4.35%
Term2 Months
Last UpdatedMay 21, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Auto Loans (New Vehicles only)
4.38%
37 to 48 Months
▼
APR4.38%
Term37 to 48 Months
Last UpdatedMay 22, 2026
Details
As Low As; Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on 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: 6.78%
New Car
4.39%
60 Months
▼
APR4.39%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
New Auto
4.45%
Up to 60 months
▼
APR4.45%
TermUp to 60 months
Last UpdatedMay 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Car Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedMay 22, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
New Auto Loan
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedMay 30, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
New Vehicle Loans
4.49%
36 - 47
▼
APR4.49%
Term36 - 47
Last UpdatedJun 1, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 17, 2026
Details
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Vehicles Loan
4.50%
Up to 72 months
▼
APR4.50%
TermUp to 72 months
Last UpdatedMay 21, 2026
Details
As Low As; Regular
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
New Car Loans
4.50%
Up to 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedMay 22, 2026
Details
As Low As; 10% down payment
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
4.59%
48 months
▼
APR4.59%
Term48 months
Last UpdatedJun 3, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
New Auto
4.60%
Up to 72 months
▼
APR4.60%
TermUp to 72 months
Last UpdatedMay 17, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
New Auto
4.60%
3 Months
▼
APR4.60%
Term3 Months
Last UpdatedMay 21, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Auto Loans (New Vehicles only)
4.63%
49 to 66 Months
▼
APR4.63%
Term49 to 66 Months
Last UpdatedMay 22, 2026
Details
As Low As; Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on 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: 11.23%
New Auto Loan
4.69%
60 months
▼
APR4.69%
Term60 months
Last UpdatedJun 3, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
New Vehicle Loans
4.74%
48 - 59
▼
APR4.74%
Term48 - 59
Last UpdatedJun 1, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
New Auto
4.75%
Up to 84 months
▼
APR4.75%
TermUp to 84 months
Last UpdatedMay 17, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
New Auto
4.85%
4 Months
▼
APR4.85%
Term4 Months
Last UpdatedMay 21, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Auto Loans (New Vehicles only)
4.88%
67 to 72 Months
▼
APR4.88%
Term67 to 72 Months
Last UpdatedMay 22, 2026
Details
As Low As; Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on 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: 6.78%
New Car
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMay 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
New Car Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Cars
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New Vehicle (car, truck, van)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Car Loans
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedMay 22, 2026
Details
As Low As; Minimum loan amount $30,000
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
New Auto Loan
4.99%
49-60 Months
▼
APR4.99%
Term49-60 Months
Last UpdatedMay 30, 2026
Details
As Low As
APR4.99%
Term4 years
Last UpdatedJun 1, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
New Vehicle Loans
4.99%
60 - 71
▼
APR4.99%
Term60 - 71
Last UpdatedJun 1, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedJun 3, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 17, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New Vehicle (car, truck, van)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
New Auto
5.00%
5 Months
▼
APR5.00%
Term5 Months
Last UpdatedMay 21, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Vehicles Loan
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedMay 21, 2026
Details
As Low As; Regular
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
New Auto Loans
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 22, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Cars
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
New Auto Loan
5.24%
61-72 Months
▼
APR5.24%
Term61-72 Months
Last UpdatedMay 30, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
New Vehicle Loans
5.24%
72 - 84
▼
APR5.24%
Term72 - 84
Last UpdatedJun 1, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New Vehicle (car, truck, van)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 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: 5.90%
New Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As; NJ vehicles only.
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedJun 3, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
New Auto
5.30%
6 Months
▼
APR5.30%
Term6 Months
Last UpdatedMay 21, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Auto Loans (New Vehicles only)
5.38%
73 to 84 Months
▼
APR5.38%
Term73 to 84 Months
Last UpdatedMay 22, 2026
Details
As Low As; Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on 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: 6.78%
New Car
5.39%
84 Months
▼
APR5.39%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
New Car Loans
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
APR5.49%
Term6 years
Last UpdatedJun 1, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 17, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
New Auto Loans
5.50%
59 Months
▼
APR5.50%
Term59 Months
Last UpdatedMay 22, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.76%
New Car Loan
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMay 22, 2026
Details
Up to 36 Months
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
5.52%
72 months*
▼
APR5.52%
Term72 months*
Last UpdatedJun 3, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
New Auto
5.53%
60 months
▼
APR5.53%
Term60 months
Last UpdatedJun 3, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
New Auto Loan
5.53%
60-months
▼
APR5.53%
Term60-months
Last UpdatedJun 3, 2026
Details
As Low As; Rates and terms accurate as of 6/3/2026 and are subject to change without notice. All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates and payment examples assume excellent borrower credit history, a 60-month term and a loan-to value (LTV) of 90% or less. Minimum auto loan amount is $3,750. Rate applies to loan amounts up to a maximum of $100,000. Payment Example: For a term of 60-months based on new car rate of 5.53% APR; estimated monthly payment of $19.12 per $1,000.00 borrowed.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
5.67%
84 months**
▼
APR5.67%
Term84 months**
Last UpdatedJun 3, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
New Auto
5.68%
72 months
▼
APR5.68%
Term72 months
Last UpdatedJun 3, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles2 Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 22, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.76%
New Car Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 22, 2026
Details
37-60 Months
Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Auto Loan
5.75%
6yrs - 700 and above credit score
▼
APR5.75%
Term6yrs - 700 and above credit score
Last UpdatedJun 3, 2026
Details
GAF Linden Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.11%
NEW Automobile
5.90%
60 Months
▼
APR5.90%
Term60 Months
Last UpdatedMay 17, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★ Texas Ratio: 10.08%
New Car Loan
5.95%
84 Months
▼
APR5.95%
Term84 Months
Last UpdatedJun 1, 2026
Details
$0 Minimum $60,000 Maximum 10 payments a year or 12 payments a year
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
New Car Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Cars
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 17, 2026
Details
With credit score of 600 to 699
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
New Car Loans
5.99%
7 years
▼
APR5.99%
Term7 years
Last UpdatedMay 22, 2026
Details
As Low As; 10% down payment
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
New Automobile Loan 2026 (new)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
APR5.99%
Term7 years
Last UpdatedJun 1, 2026
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Auto Loans
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedJun 4, 2026
Details
Rates as low as*
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New Vehicle (car, truck, van)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMay 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: 2.86%
New Auto Loans
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 22, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.76%
New Car Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMay 22, 2026
Details
61-72 Months
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
New Auto
6.05%
7 Months
▼
APR6.05%
Term7 Months
Last UpdatedMay 21, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
New Auto
6.18%
84 months
▼
APR6.18%
Term84 months
Last UpdatedJun 3, 2026
Details
As Low As
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Used Automobile Loan 2023 or newer
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Auto Loans
6.24%
36 Months
▼
APR6.24%
Term36 Months
Last UpdatedJun 4, 2026
Details
Rates as low as*
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New Only *84 Months
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 17, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New Only 84 Months
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 17, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.76%
New Car Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 22, 2026
Details
73-84 Months
Powered by
MonitorBankRates
Lakewood Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ, 08701
Used Auto Loans (2023 to 2025)
8.25%
5 Months
▼
APR8.25%
Term5 Months
Last UpdatedJun 3, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ, 08701
Used Auto Loans (2021 to 2022)
9.00%
4 Months
▼
APR9.00%
Term4 Months
Last UpdatedJun 3, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Auto Loans -- New or Used Under 3 years
3.99%
3 Months
▼
APR3.99%
Term3 Months
Last UpdatedMay 17, 2026
Details
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
Used Autos
4.25%
Up to 24 months
▼
APR4.25%
TermUp to 24 months
Last UpdatedMay 17, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Used Auto Loans
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedMay 22, 2026
Details
2019 & Newer
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 22, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
Used Autos
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedMay 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Car Loans
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedMay 22, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Used Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
Used Autos
4.55%
Up to 48 months
▼
APR4.55%
TermUp to 48 months
Last UpdatedMay 17, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Used Auto
4.60%
2 Months
▼
APR4.60%
Term2 Months
Last UpdatedMay 21, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
4.60%
36 months
▼
APR4.60%
Term36 months
Last UpdatedJun 3, 2026
Details
As Low As
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
Pre-Owned
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
Used Autos
4.70%
Up to 60 months
▼
APR4.70%
TermUp to 60 months
Last UpdatedMay 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Used Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 22, 2026
Details
2013 & Newer
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 17, 2026
Details
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
Used Autos
4.85%
Up to 72 months
▼
APR4.85%
TermUp to 72 months
Last UpdatedMay 17, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Used Auto
4.85%
3 Months
▼
APR4.85%
Term3 Months
Last UpdatedMay 21, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
Used Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMay 17, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
4.94%
48 months
▼
APR4.94%
Term48 months
Last UpdatedJun 3, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Used Car Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Used Cars
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Used Auto Loans
4.99%
59 Months
▼
APR4.99%
Term59 Months
Last UpdatedMay 22, 2026
Details
2019 & Newer
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Car Loans
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
Used Vehicle Loans
4.99%
6 - 35
▼
APR4.99%
Term6 - 35
Last UpdatedJun 1, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
5.00%
42 Months
▼
APR5.00%
Term42 Months
Last UpdatedMay 17, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Older or High Mileage Used Auto
5.00%
3 Months
▼
APR5.00%
Term3 Months
Last UpdatedMay 17, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Used Auto
5.00%
4 Months
▼
APR5.00%
Term4 Months
Last UpdatedMay 21, 2026
Details
As Low As
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used Auto Loans Model years 2018 and older
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 22, 2026
Details
48 months max. term**
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used Auto Loans Model years 2019 - 2021
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 22, 2026
Details
Up to 60 months*
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used Auto Loans Model years 2022 - 2025
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 22, 2026
Details
Up to 72 months*
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
5.04%
60 months
▼
APR5.04%
Term60 months
Last UpdatedJun 3, 2026
Details
As Low As
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
Pre-Owned
5.14%
72 Months
▼
APR5.14%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Used Auto
5.20%
5 Months
▼
APR5.20%
Term5 Months
Last UpdatedMay 21, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
Used Vehicle Loans
5.24%
36 - 47
▼
APR5.24%
Term36 - 47
Last UpdatedJun 1, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Older or High Mileage Used Auto
5.25%
4 Months
▼
APR5.25%
Term4 Months
Last UpdatedMay 17, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Used Auto Loans
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 22, 2026
Details
2022 & Newer
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Used Car Loans
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 17, 2026
Details
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Car Loans
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
Used Auto Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As; NJ vehicles only.
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
Used Vehicle Loans
5.49%
48 - 59
▼
APR5.49%
Term48 - 59
Last UpdatedJun 1, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 17, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Older or High Mileage Used Auto
5.50%
5 Months
▼
APR5.50%
Term5 Months
Last UpdatedMay 17, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
Used Vehicle (car, truck, van)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 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: 10.61%
Used Car Loans(Maximum age of car - Last 7 Model Years)
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; 15% down payment
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 22, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Used Auto
5.65%
6 Months
▼
APR5.65%
Term6 Months
Last UpdatedMay 21, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
Used Vehicle (car, truck, van)
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMay 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: 17.71%
New & Used Vehicles2 Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 22, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
Used Vehicle Loans
5.74%
60 - 71
▼
APR5.74%
Term60 - 71
Last UpdatedJun 1, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
Used Vehicle (car, truck, van)
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 22, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
Pre-Owned Loan
5.88%
60 months
▼
APR5.88%
Term60 months
Last UpdatedJun 3, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
Used Auto Loan
5.88%
60-months
▼
APR5.88%
Term60-months
Last UpdatedJun 3, 2026
Details
As Low As; Rates and terms accurate as of 6/3/2026 and are subject to change without notice. All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates and payment examples assume excellent borrower credit history, a 60-month term and a loan-to value (LTV) of 90% or less. Minimum auto loan amount is $3,750. Rate applies to loan amounts up to a maximum of $100,000. Payment Example: For a term of 60-months based on used car rate of 5.88% APR; estimated monthly payment of 19.28 per $1,000 borrowed.
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Used Cars
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Car Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As; Minimum loan amount $30,000
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
Used Auto Loan
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As; NJ vehicles only.
APR5.99%
Term3 years
Last UpdatedJun 1, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
Used Vehicle Loans
5.99%
72 - 83
▼
APR5.99%
Term72 - 83
Last UpdatedJun 1, 2026
Details
As Low As
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.76%
Used Car Loan (2022-2025)
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMay 22, 2026
Details
Up to 36 Months
GAF Linden Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.11%
USED Automobile
6.20%
60 Months
▼
APR6.20%
Term60 Months
Last UpdatedMay 17, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
6.20%
72 months*
▼
APR6.20%
Term72 months*
Last UpdatedJun 3, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Used Cars
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Used Automobile Loan 2023 or newer
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Used Auto Loans
6.24%
24 Months
▼
APR6.24%
Term24 Months
Last UpdatedJun 4, 2026
Details
As Low As
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.76%
Used Car Loan (2022-2025)
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 22, 2026
Details
37-60 Months
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MonitorBankRates
Lakewood, NJ Auto Loan Rate Trends
Compare local Lakewood, NJ 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
5.703%
▼ 0.055 vs 7 days ago
New Jersey new auto rates fell 0.055 points over the past 7 days to 5.703% APR.
Used Auto Loan — NJ Avg
8.153%
▼ 0.012 vs 7 days ago
New Jersey used auto rates fell 0.012 points over the past 7 days to 8.153% APR.
As of Jun 4, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lakewood, New Jersey auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Lakewood, New Jersey directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Lakewood, New Jersey. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in NJ.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, New Jersey?
Based on our current data, some of the lowest auto loan rates available in Lakewood, New Jersey include:
- Unity Bank: 7.50% (New Auto Loans (2026))
- Baxter Credit Union: 3.24% (Auto Loans)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Wakefern Federal Credit Union: 3.49% (New Car Loans)
- Deepwater Industries Federal Credit Union: 3.50% (New Vehicles Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Lakewood, New Jersey. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 4, 2026
Lakewood, New Jersey Rates & Resources
Rate Assistant
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