New Jersey Auto Loan Rate Trends
Track current and weekly average auto loan rates in New Jersey, view interactive rate trend charts, and compare local NJ aprs against the national average.
Current New Jersey Auto Loan Rate Trends
Auto Loan rates in New Jersey rose 0.020 this week, pushing the New Auto Loan average to 5.716%, up from 5.696% last week.
At 5.716%, New Jersey’s average sits 0.235 below the current national average of 5.951%. NJ borrowers may have a competitive advantage relative to the national market.
The New Jersey auto loan rate averages on this page are calculated from 609 verified auto loan rate quotes collected across 73 banks and credit unions actively operating in New Jersey. Our proprietary systems collect and verify rates daily — tracking what real licensed institutions are actually quoting to borrowers, not rate sheet estimates.
New Jersey Auto Loan Rate Trends Chart
Daily average rates since March 15, 2026. State data shown where available; national average used as fallback. Hover to see exact rates.
New Jersey auto loan rate averages compiled from 609 current rate quotes across 73 banks and credit unions operating in NJ — updated daily.
As of Sep 22, 2026 • Data provided by MonitorBankRates.com
Historical Auto Loan Rate Trends in New Jersey
Quarterly average rates at credit unions headquartered in New Jersey, 1994–present. Different methodology from the daily chart above — this series reflects portfolio rates self-reported to NCUA each quarter.
Based on reporting credit unions in New Jersey (latest quarter).
Source: MonitorBankRates.com analysis of NCUA Call Report data, 1994–present.
Quarterly weighted averages calculated from credit union rate filings, weighted by loan portfolio balance.
