Auto Loan Rates in Trenton, 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 Trenton, New Jersey. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Trenton, New Jersey include Credit Union Of New Jersey A Federal Credit UnionCredit Union Of New Jersey A Federal Credit Union12 E Lafayette St, Trenton, NJ, 08608A5.0 ★Texas Ratio: 7.22% offering Auto Loans at 3.74%, Central Jersey Police And Fire Federal Credit UnionCentral Jersey Police And Fire Federal Credit Union225 N Clinton Ave, Trenton, NJ, 08609A+5.0 ★Texas Ratio: 2.71% offering New Cars at 3.99%, New Jersey Law And Public Safety Credit UnionNew Jersey Law And Public Safety Credit Union225 E State St, Trenton, NJ, 08608 1800A+5.0 ★Texas Ratio: 1.05% offering Used Auto Loans at 4.34%, Self Reliance NY Federal Credit UnionSelf Reliance NY Federal Credit Union477 Jeremiah Ave, Trenton, NJ, 08610A+5.0 ★Texas Ratio: 2.12% offering Auto Loan at 4.89%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%. Auto loan rates as of April 23, 2026 according to verified data from MonitorBankRates.
Trenton has 4 local institutions in our database, with auto loan rates as low as 3.74% APR from Credit Union Of New Jersey A Federal Credit Union at 12 E Lafayette St, Trenton, NJ, 08608. 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 Trenton, New Jersey. Auto Loan Rates Last Updated and Verified: April 23, 2026
Compare Auto Loan Rates Today in Trenton, New Jersey & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Credit Union Of New Jersey A Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
12 E Lafayette St, Trenton, NJ, 08608
Auto Loans
3.74%
24 Months
▼
APR3.74%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
With credit score of 700 and above
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
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
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
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%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
With credit score of 700 and above
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
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
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
5.24%
72 Months
▼
APR5.24%
Term72 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%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 17, 2026
Details
With credit score of 700 and above
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
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
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
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%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
With credit score of 700 and above
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
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
6.24%
72 Months
▼
APR6.24%
Term72 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%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
6.49%
84 Months
▼
APR6.49%
Term84 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%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
6.99%
60 Months
▼
APR6.99%
Term60 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%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
With credit score of 600 to 699
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
477 Jeremiah Ave, Trenton, NJ, 08610
Auto Loan
6.99%
1 to 5 years
▼
APR6.99%
Term1 to 5 years
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
7.14%
48 Months
▼
APR7.14%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
7.24%
72 Months
▼
APR7.24%
Term72 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%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
7.49%
84 Months
▼
APR7.49%
Term84 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%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
7.99%
48 Months
▼
APR7.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
With credit score of 599 and below
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
7.99%
60 Months
▼
APR7.99%
Term60 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%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
8.24%
72 Months
▼
APR8.24%
Term72 Months
Last UpdatedApr 17, 2026
Details
With credit score of 600 to 699
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
477 Jeremiah Ave, Trenton, NJ, 08610
Auto Loan
8.29%
63 Months
▼
APR8.29%
Term63 Months
Last UpdatedApr 18, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
8.49%
84 Months
▼
APR8.49%
Term84 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%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
8.99%
60 Months
▼
APR8.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
With credit score of 599 and below
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
8.99%
48 Months
▼
APR8.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
With credit score of 599 and below
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
9.24%
72 Months
▼
APR9.24%
Term72 Months
Last UpdatedApr 17, 2026
Details
With credit score of 599 and below
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
9.49%
84 Months
▼
APR9.49%
Term84 Months
Last UpdatedApr 17, 2026
Details
With credit score of 599 and below
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
9.99%
48 Months
▼
APR9.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
With credit score 499 and below with Board Approval and Co Applicant
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
9.99%
60 Months
▼
APR9.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
With credit score of 599 and below
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
10.24%
72 Months
▼
APR10.24%
Term72 Months
Last UpdatedApr 17, 2026
Details
With credit score of 599 and below
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
10.49%
84 Months
▼
APR10.49%
Term84 Months
Last UpdatedApr 17, 2026
Details
With credit score of 599 and below
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
10.99%
60 Months
▼
APR10.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
With credit score 499 and below with Board Approval and Co Applicant
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
10.99%
48 Months
▼
APR10.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
With credit score of 499 and below with Board Approval and Co Applicant
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
11.24%
72 Months
▼
APR11.24%
Term72 Months
Last UpdatedApr 17, 2026
Details
With credit score 499 and below with Board Approval and Co Applicant
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
11.49%
84 Months
▼
APR11.49%
Term84 Months
Last UpdatedApr 17, 2026
Details
With credit score 499 and below with Board Approval and Co Applicant
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
11.99%
60 Months
▼
APR11.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
With credit score of 499 and below with Board Approval and Co Applicant
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
12.24%
72 Months
▼
APR12.24%
Term72 Months
Last UpdatedApr 17, 2026
Details
With credit score of 499 and below with Board Approval and Co Applicant
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
12.49%
84 Months
▼
APR12.49%
Term84 Months
Last UpdatedApr 17, 2026
Details
With credit score of 499 and below with Board Approval and Co Applicant
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
16.64%
24 to 84 Month
▼
APR16.64%
Term24 to 84 Month
Last UpdatedApr 19, 2026
Details
.25% discount if payroll deducted; Rate is determined by credit risk score.; Additional Savings of .25% if Payroll Deducted; 30% down for lowest rate
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
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%
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%
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%
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%
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%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Auto Loans -- New or Used Under 3 years
3.99%
3 Months
▼
APR3.99%
Term3 Months
Last UpdatedApr 17, 2026
Details
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 UpdatedApr 18, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2026 & Newer
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedApr 22, 2026
Details
As Low As; Monthly Payment Per $1,000 Borrowed: $29.43
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
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%
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%
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%
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%
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%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
New Auto Loan
4.59%
48 months
▼
APR4.59%
Term48 months
Last UpdatedApr 22, 2026
Details
As Low As; Monthly Payment Per $1,000 Borrowed: $22.91
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
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%
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%
New Auto
4.60%
Up to 72 months
▼
APR4.60%
TermUp to 72 months
Last UpdatedApr 17, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.60%
36 months
▼
APR4.60%
Term36 months
Last UpdatedApr 22, 2026
Details
As Low As; Monthly Payment Per $1,000 Borrowed: $29.72
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
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%
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%
New Auto Loan
4.69%
60 months
▼
APR4.69%
Term60 months
Last UpdatedApr 22, 2026
Details
As Low As; Monthly Payment Per $1,000 Borrowed: $18.70
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
New Car
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
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%
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%
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%
Used Auto Loan
4.94%
48 months
▼
APR4.94%
Term48 months
Last UpdatedApr 22, 2026
Details
As Low As; Monthly Payment Per $1,000 Borrowed: $23.00
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
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%
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%
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%
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%
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
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
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%
Auto Loan
4.99%
Up to 63
▼
APR4.99%
TermUp to 63
Last UpdatedApr 18, 2026
Details
As Low As
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 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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Used Vehicle Loans
4.99%
6 - 35
▼
APR4.99%
Term6 - 35
Last UpdatedApr 19, 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 UpdatedApr 23, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
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%
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%
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%
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%
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%
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%
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%
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%
Used Auto Loan
5.04%
60 months
▼
APR5.04%
Term60 months
Last UpdatedApr 22, 2026
Details
As Low As; Monthly Payment Per $1,000 Borrowed: $18.83
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
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%
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%
Auto Loan
5.14%
60 Months
▼
APR5.14%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
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%
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
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Vehicle Loans Model Year 2024-2026
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 18, 2026
Details
Up to $65,000
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedApr 23, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Used Auto Loan
5.49%
61-72
▼
APR5.49%
Term61-72
Last UpdatedApr 18, 2026
Details
As Low As
APR5.49%
Term6 years
Last UpdatedApr 19, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
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%
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%
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%
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%
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%
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%
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%
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%
New Auto Loan
5.52%
72 months*
▼
APR5.52%
Term72 months*
Last UpdatedApr 22, 2026
Details
As Low As; Monthly Payment Per $1,000 Borrowed: $16.31
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 UpdatedApr 17, 2026
Details
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
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%
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%
New Auto Loan
5.67%
84 months**
▼
APR5.67%
Term84 months**
Last UpdatedApr 22, 2026
Details
As Low As; Monthly Payment Per $1,000 Borrowed: $14.40
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
New Car Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedApr 18, 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 UpdatedApr 22, 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 UpdatedApr 17, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
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%
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%
New Auto Loans
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedApr 17, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
3.99%
48 Months
▼
APR3.99%
Term48 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%
225 N Clinton Ave, Trenton, NJ, 08609
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%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
5.24%
72 Months
▼
APR5.24%
Term72 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%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
5.49%
84 Months
▼
APR5.49%
Term84 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%
225 N Clinton Ave, Trenton, NJ, 08609
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%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
6.99%
60 Months
▼
APR6.99%
Term60 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%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
7.24%
72 Months
▼
APR7.24%
Term72 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%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
7.49%
84 Months
▼
APR7.49%
Term84 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%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
7.99%
48 Months
▼
APR7.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
With credit score of 599 and below
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
8.99%
60 Months
▼
APR8.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
With credit score of 599 and below
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
9.24%
72 Months
▼
APR9.24%
Term72 Months
Last UpdatedApr 17, 2026
Details
With credit score of 599 and below
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
9.49%
84 Months
▼
APR9.49%
Term84 Months
Last UpdatedApr 17, 2026
Details
With credit score of 599 and below
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
9.99%
48 Months
▼
APR9.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
With credit score 499 and below with Board Approval and Co Applicant
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
10.99%
60 Months
▼
APR10.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
With credit score 499 and below with Board Approval and Co Applicant
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
11.24%
72 Months
▼
APR11.24%
Term72 Months
Last UpdatedApr 17, 2026
Details
With credit score 499 and below with Board Approval and Co Applicant
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
New Cars
11.49%
84 Months
▼
APR11.49%
Term84 Months
Last UpdatedApr 17, 2026
Details
With credit score 499 and below with Board Approval and Co Applicant
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
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%
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%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Auto Loans -- New or Used Under 3 years
3.99%
3 Months
▼
APR3.99%
Term3 Months
Last UpdatedApr 17, 2026
Details
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 UpdatedApr 18, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedApr 22, 2026
Details
As Low As; Monthly Payment Per $1,000 Borrowed: $29.43
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
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%
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%
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%
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%
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.
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
New Auto Loan
4.59%
48 months
▼
APR4.59%
Term48 months
Last UpdatedApr 22, 2026
Details
As Low As; Monthly Payment Per $1,000 Borrowed: $22.91
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
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%
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%
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%
New Auto Loan
4.69%
60 months
▼
APR4.69%
Term60 months
Last UpdatedApr 22, 2026
Details
As Low As; Monthly Payment Per $1,000 Borrowed: $18.70
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
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%
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%
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%
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%
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%
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%
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%
New Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
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%
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%
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
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 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%
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%
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%
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%
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%
New Vehicle Loans
4.99%
60 - 71
▼
APR4.99%
Term60 - 71
Last UpdatedApr 19, 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 UpdatedApr 23, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
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%
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%
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%
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%
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%
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.
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
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%
New Vehicle Loans
5.24%
72 - 84
▼
APR5.24%
Term72 - 84
Last UpdatedApr 19, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
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%
New Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 18, 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 UpdatedApr 23, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
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%
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%
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%
NEW CAR LOANS
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 17, 2026
Details
APR5.49%
Term6 years
Last UpdatedApr 19, 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 UpdatedApr 17, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
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%
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%
New Auto Loan
5.52%
72 months*
▼
APR5.52%
Term72 months*
Last UpdatedApr 22, 2026
Details
As Low As; Monthly Payment Per $1,000 Borrowed: $16.31
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
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%
New Auto Loan
5.67%
84 months**
▼
APR5.67%
Term84 months**
Last UpdatedApr 22, 2026
Details
As Low As; Monthly Payment Per $1,000 Borrowed: $14.40
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
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%
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.
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
New Car Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedApr 18, 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 UpdatedApr 22, 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 UpdatedApr 17, 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 UpdatedApr 17, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
4.99%
48 Months
▼
APR4.99%
Term48 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%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
5.99%
60 Months
▼
APR5.99%
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%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
6.24%
72 Months
▼
APR6.24%
Term72 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%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
6.49%
84 Months
▼
APR6.49%
Term84 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%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
6.99%
48 Months
▼
APR6.99%
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%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
7.99%
60 Months
▼
APR7.99%
Term60 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%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
8.24%
72 Months
▼
APR8.24%
Term72 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%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
8.49%
84 Months
▼
APR8.49%
Term84 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%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
8.99%
48 Months
▼
APR8.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
With credit score of 599 and below
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
9.99%
60 Months
▼
APR9.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
With credit score of 599 and below
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
10.24%
72 Months
▼
APR10.24%
Term72 Months
Last UpdatedApr 17, 2026
Details
With credit score of 599 and below
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
10.49%
84 Months
▼
APR10.49%
Term84 Months
Last UpdatedApr 17, 2026
Details
With credit score of 599 and below
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
10.99%
48 Months
▼
APR10.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
With credit score of 499 and below with Board Approval and Co Applicant
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
11.99%
60 Months
▼
APR11.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
With credit score of 499 and below with Board Approval and Co Applicant
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
12.24%
72 Months
▼
APR12.24%
Term72 Months
Last UpdatedApr 17, 2026
Details
With credit score of 499 and below with Board Approval and Co Applicant
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
225 N Clinton Ave, Trenton, NJ, 08609
Used Cars
12.49%
84 Months
▼
APR12.49%
Term84 Months
Last UpdatedApr 17, 2026
Details
With credit score of 499 and below with Board Approval and Co Applicant
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
16.64%
24 to 84 Month
▼
APR16.64%
Term24 to 84 Month
Last UpdatedApr 19, 2026
Details
.25% discount if payroll deducted; Rate is determined by credit risk score.; Additional Savings of .25% if Payroll Deducted; 30% down for lowest rate
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Used Autos
4.55%
Up to 48 months
▼
APR4.55%
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%
Used Auto
4.60%
Up to 2
▼
APR4.60%
TermUp to 2
Last UpdatedApr 17, 2026
Details
As Low As; 100% Purchase Price
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.60%
36 months
▼
APR4.60%
Term36 months
Last UpdatedApr 22, 2026
Details
As Low As; Monthly Payment Per $1,000 Borrowed: $29.72
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Used Auto Loan
4.94%
48 months
▼
APR4.94%
Term48 months
Last UpdatedApr 22, 2026
Details
As Low As; Monthly Payment Per $1,000 Borrowed: $23.00
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
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%
USED CAR LOANS
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
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%
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%
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%
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%
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%
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%
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%
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%
Used Auto Loan
5.04%
60 months
▼
APR5.04%
Term60 months
Last UpdatedApr 22, 2026
Details
As Low As; Monthly Payment Per $1,000 Borrowed: $18.83
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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
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MonitorBankRates
Trenton, NJ Auto Loan Rate Trends
Compare local Trenton, 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
5.770%
▼ 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 Trenton, 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 Trenton, 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 Trenton, 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 Trenton, New Jersey?
Based on our current data, some of the lowest auto loan rates available in Trenton, New Jersey include:
- Credit Union Of New Jersey A Federal Credit Union: 3.74% (Auto Loans)
- Central Jersey Police And Fire Federal Credit Union: 3.99% (New Cars)
- New Jersey Law And Public Safety Credit Union: 4.34% (Used Auto Loans)
- Self Reliance NY Federal Credit Union: 4.89% (Auto Loan)
- Baxter Credit Union: 3.24% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Trenton, New Jersey. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 23, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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