Auto Loan Rates in 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 New Jersey. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in New Jersey include American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union614 Frelinghuysen Ave Fl 1, Newark, NJ, 07114A+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, Wakefern Federal Credit UnionWakefern Federal Credit Union505 Division St, Elizabeth, NJ, 07201A+5.0 ★Texas Ratio: 0.05% offering New Car Loans at 3.49%, Deepwater Industries Federal Credit UnionDeepwater Industries Federal Credit Union565 North Broadway, Deepwater, NJ, 08023A+5.0 ★Texas Ratio: 1.96% offering New Vehicles Loan at 3.50%, Atlantic City Electric Co Emp Federal Credit UnionAtlantic City Electric Co Emp Federal Credit Union5100 Harding Hwy Ste 103, Mays Landing, NJ, 08330 2260A+5.0 ★Texas Ratio: 5.54% offering New Auto Loan at 3.75%, Andrews Federal Credit UnionAndrews Federal Credit Union2200 Mount Holly Rd, Burlington, NJ, 08016A5.0 ★Texas Ratio: 11.23% offering New Auto Loan at 3.99%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across New Jersey side-by-side. New Jersey auto loan rates currently start as low as 3.34% APR from American Airlines Federal Credit Union at 614 Frelinghuysen Ave Fl 1, Newark, NJ, 07114. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in New Jersey. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in New Jersey
New Jersey Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
614 Frelinghuysen Ave Fl 1, Newark, NJ, 07114
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
3.49%
Up to 36 months
▼
APR3.49%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles Loan
3.50%
Up to 60 months - Auto Pay
▼
APR3.50%
TermUp to 60 months - Auto Pay
Last UpdatedJun 16, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
Used Vehicles Loan
3.50%
Up to 60 months - Auto Pay
▼
APR3.50%
TermUp to 60 months - Auto Pay
Last UpdatedJun 16, 2026
Details
As Low As
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
5100 Harding Hwy Ste 103, Mays Landing, NJ, 08330 2260
New Auto Loan
3.75%
Up to 72 months*
▼
APR3.75%
TermUp to 72 months*
Last UpdatedJun 16, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
614 Frelinghuysen Ave Fl 1, Newark, NJ, 07114
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Auto Loans -- New or Used Under 3 years
3.99%
3 years
▼
APR3.99%
Term3 years
Last UpdatedJun 16, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars Loan
3.99%
48 Months or less
▼
APR3.99%
Term48 Months or less
Last UpdatedJun 16, 2026
Details
With credit score of 700 and above
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only) - Up to 24 Months
3.99%
Up to 24 Months
▼
APR3.99%
TermUp to 24 Months
Last UpdatedJun 16, 2026
Details
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. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Loans over 90% CLTV may be subject to an increase in APR.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJun 16, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.00%
Up to 24 months
▼
APR4.00%
TermUp to 24 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles Loan
4.00%
Up to 60 months - Regular
▼
APR4.00%
TermUp to 60 months - Regular
Last UpdatedJun 16, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
Used Vehicles Loan
4.00%
Up to 60 months - Regular
▼
APR4.00%
TermUp to 60 months - Regular
Last UpdatedJun 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
614 Frelinghuysen Ave Fl 1, Newark, NJ, 07114
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only) - 25 to 36 Months
4.13%
25 to 36 Months
▼
APR4.13%
Term25 to 36 Months
Last UpdatedJun 16, 2026
Details
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. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Loans over 90% CLTV may be subject to an increase in APR.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Auto Loans
4.14%
0 - 75 Months
▼
APR4.14%
Term0 - 75 Months
Last UpdatedJun 11, 2026
Details
As Low As; 2026 & Newer
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.15%
Up to 36 months
▼
APR4.15%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.24%
6 - 35 Months
▼
APR4.24%
Term6 - 35 Months
Last UpdatedJun 16, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans 6 - 35 Months
4.24%
35 Months
▼
APR4.24%
Term35 Months
Last UpdatedJun 16, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used - 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJun 16, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.25%
Up to 24 months
▼
APR4.25%
TermUp to 24 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
New Auto Loans
4.25%
Up to 60 months
▼
APR4.25%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
4.25%
Up to 60 months
▼
APR4.25%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
2019 & Newer
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
19 Fenwick St, Newark, NJ, 07114
Used Auto
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJun 16, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.30%
Up to 48 months
▼
APR4.30%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
New Auto
4.35%
Up to 2 Years
▼
APR4.35%
TermUp to 2 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only) - 37 to 48 Months
4.38%
37 to 48 Months
▼
APR4.38%
Term37 to 48 Months
Last UpdatedJun 16, 2026
Details
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. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Loans over 90% CLTV may be subject to an increase in APR.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car Loan
4.39%
Up to 60 mos
▼
APR4.39%
TermUp to 60 mos
Last UpdatedJun 16, 2026
Details
As Low As; *
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.45%
Up to 60 months
▼
APR4.45%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New Auto Loan
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedJun 16, 2026
Details
Rates are as low as 4.09% APR!*
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Used Auto Loan
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedJun 16, 2026
Details
Rates are as low as 4.09% APR!*
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
Auto Loans
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As; Lower your payment or upgrade your ride with flexible terms up to 84 months.
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loans
4.49%
24 to 36 months
▼
APR4.49%
Term24 to 36 months
Last UpdatedJun 16, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
New Auto / Truck
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJun 16, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto Loan
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.49%
36 - 47 Months
▼
APR4.49%
Term36 - 47 Months
Last UpdatedJun 16, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans 36 - 47 Months
4.49%
47 Months
▼
APR4.49%
Term47 Months
Last UpdatedJun 16, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used - 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJun 16, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJun 16, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Used Cars and Trucks Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJun 16, 2026
Details
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles Loan
4.50%
Up to 72 months - Regular
▼
APR4.50%
TermUp to 72 months - Regular
Last UpdatedJun 16, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
Used Vehicles Loan
4.50%
Up to 72 months - Regular
▼
APR4.50%
TermUp to 72 months - Regular
Last UpdatedJun 16, 2026
Details
As Low As
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
35 Main St, South Bound Brook, NJ, 08880
New Car Loans
4.50%
Up to 72 months
▼
APR4.50%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
5%-40% down payment
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
New Vehicle Loan (2024-2027)
4.50%
Up to 36 months
▼
APR4.50%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
Model Year 2024-2027; Up to $65,000; Rate range: 4.50 - 11.50%
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.55%
Up to 48 months
▼
APR4.55%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
4.59%
48 months
▼
APR4.59%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
614 Frelinghuysen Ave Fl 1, Newark, NJ, 07114
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
4.60%
36 months
▼
APR4.60%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.60%
Up to 72 months
▼
APR4.60%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
New Auto
4.60%
Up to 3 Years
▼
APR4.60%
TermUp to 3 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
4.60%
Up to 2 Years
▼
APR4.60%
TermUp to 2 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only) - 49 to 66 Months
4.63%
49 to 66 Months
▼
APR4.63%
Term49 to 66 Months
Last UpdatedJun 16, 2026
Details
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. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Loans over 90% CLTV may be subject to an increase in APR.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
Pre-Owned Loan
4.64%
Up to 60 mos
▼
APR4.64%
TermUp to 60 mos
Last UpdatedJun 16, 2026
Details
As Low As; *
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
4.69%
60 months
▼
APR4.69%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.70%
Up to 60 months
▼
APR4.70%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New Auto Loan
4.74%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedJun 16, 2026
Details
Rates are as low as 4.09% APR!*
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Used Auto Loan
4.74%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedJun 16, 2026
Details
Rates are as low as 4.09% APR!*
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
4.74%
Up to 36 months
▼
APR4.74%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
2013 & Newer
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.74%
48 - 59 Months
▼
APR4.74%
Term48 - 59 Months
Last UpdatedJun 16, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans 48 - 59 Months
4.74%
59 Months
▼
APR4.74%
Term59 Months
Last UpdatedJun 16, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used - 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJun 16, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.75%
Up to 84 months
▼
APR4.75%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
19 Fenwick St, Newark, NJ, 07114
Used Auto
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedJun 16, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.85%
Up to 72 months
▼
APR4.85%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
New Auto
4.85%
Up to 4 Years
▼
APR4.85%
TermUp to 4 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
4.85%
Up to 3 Years
▼
APR4.85%
TermUp to 3 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only) - 67 to 72 Months
4.88%
67 to 72 Months
▼
APR4.88%
Term67 to 72 Months
Last UpdatedJun 16, 2026
Details
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. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Loans over 90% CLTV may be subject to an increase in APR.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car Loan
4.89%
72 mos
▼
APR4.89%
Term72 mos
Last UpdatedJun 16, 2026
Details
As Low As; *
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
New Auto / Truck
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedJun 16, 2026
Details
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
711 Union Blvd, Totowa, NJ, 07512 2207
New Auto Loan
4.90%
12 mos.
▼
APR4.90%
Term12 mos.
Last UpdatedJun 16, 2026
Details
As Low As; Interest
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
711 Union Blvd, Totowa, NJ, 07512 2207
Used Auto Loan
4.90%
12 months
▼
APR4.90%
Term12 months
Last UpdatedJun 16, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
4.94%
48 months
▼
APR4.94%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ, 07446
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedJun 16, 2026
Details
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Auto Loans - Model Year 2021 and 2020*Up to 120,000 miles
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
NEW CAR LOANS
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 16, 2026
Details
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
USED CAR LOANS
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 16, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
4.99%
Up to 59 months
▼
APR4.99%
TermUp to 59 months
Last UpdatedJun 16, 2026
Details
2019 & Newer
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Auto Loan
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
As Low As
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
New Auto Loans
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJun 16, 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%
2430 Hamilton Ave, Hamilton, NJ, 08619
Used Cars Loan
4.99%
48 Months or less
▼
APR4.99%
Term48 Months or less
Last UpdatedJun 16, 2026
Details
With credit score of 700 and above
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van) Loan
4.99%
up to 36 months
▼
APR4.99%
Termup to 36 months
Last UpdatedJun 16, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.65%
501 Baltimore St, Phillipsburg, NJ, 08865 1845
Auto Loan - New
4.99%
36-Months
▼
APR4.99%
Term36-Months
Last UpdatedJun 16, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Minimum loan amount $30,000
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loans
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto Loan
4.99%
49-60 Months
▼
APR4.99%
Term49-60 Months
Last UpdatedJun 16, 2026
Details
As Low As
FIRST POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 4.83%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
New Auto Loan
4.99%
4 years
▼
APR4.99%
Term4 years
Last UpdatedJun 16, 2026
Details
Rates are subject to change without notice. Rates shown are as low as.
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.99%
60 - 71 Months*
▼
APR4.99%
Term60 - 71 Months*
Last UpdatedJun 16, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans 60 - 71 Months*
4.99%
71 Months
▼
APR4.99%
Term71 Months
Last UpdatedJun 16, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
4.99%
6 - 35 Months
▼
APR4.99%
Term6 - 35 Months
Last UpdatedJun 16, 2026
Details
As Low As
Central Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
380 BERRY ST, WOODBRIDGE, NJ, 07095
Vehicle Loan
5.00%
up to 84 months
▼
APR5.00%
Termup to 84 months
Last UpdatedJun 16, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedJun 16, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Used Cars and Trucks Loan
5.00%
42 Months
▼
APR5.00%
Term42 Months
Last UpdatedJun 16, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Older or High Mileage Used Auto
5.00%
3 years
▼
APR5.00%
Term3 years
Last UpdatedJun 16, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
New Auto Loans
5.00%
Up to 36 months
▼
APR5.00%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
New Auto
5.00%
Up to 5 Years
▼
APR5.00%
TermUp to 5 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.00%
Up to 4 Years
▼
APR5.00%
TermUp to 4 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles Loan
5.00%
84 months - Regular
▼
APR5.00%
Term84 months - Regular
Last UpdatedJun 16, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
Used Vehicles Loan
5.00%
84 months - Regular
▼
APR5.00%
Term84 months - Regular
Last UpdatedJun 16, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van) Loan
5.00%
up to 48 months
▼
APR5.00%
Termup to 48 months
Last UpdatedJun 16, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
5100 Harding Hwy Ste 103, Mays Landing, NJ, 08330 2260
Used Auto Loans
5.00%
Up to 72 months*
▼
APR5.00%
TermUp to 72 months*
Last UpdatedJun 16, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
35 Main St, South Bound Brook, NJ, 08880
Used Car Loans(Maximum age of car - Last 7 Model Years)
5.00%
Up to 72 months
▼
APR5.00%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
10%-40% down payment
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
New Vehicle Loan (2024-2027)
5.00%
Up to 60 months
▼
APR5.00%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
Model Year 2024-2027; Up to $65,000; Rate range: 5.00 - 10.50%
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
5.04%
60 months
▼
APR5.04%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Auto Loans
5.14%
0 - 75 Months
▼
APR5.14%
Term0 - 75 Months
Last UpdatedJun 11, 2026
Details
As Low As; 2023 - 2025*
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
Pre-Owned Loan
5.14%
72 mos
▼
APR5.14%
Term72 mos
Last UpdatedJun 16, 2026
Details
As Low As; *
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.20%
Up to 5 Years
▼
APR5.20%
TermUp to 5 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Auto Loans - Model Year 2021 and 2020*Up to 120,000 miles
5.24%
Up to 48 Months
▼
APR5.24%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Auto Loan
5.24%
64 to 75 Months
▼
APR5.24%
Term64 to 75 Months
Last UpdatedJun 16, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedJun 16, 2026
Details
With credit score of 700 and above
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto
5.24%
37-48 Months
▼
APR5.24%
Term37-48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto Loan
5.24%
61-72 Months
▼
APR5.24%
Term61-72 Months
Last UpdatedJun 16, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
5.24%
72 - 84 Months*
▼
APR5.24%
Term72 - 84 Months*
Last UpdatedJun 16, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans 72 - 84 Months*
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.24%
36 - 47 Months
▼
APR5.24%
Term36 - 47 Months
Last UpdatedJun 16, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ, 07446
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedJun 16, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Older or High Mileage Used Auto
5.25%
4 years
▼
APR5.25%
Term4 years
Last UpdatedJun 16, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
5.25%
Up to 72 months
▼
APR5.25%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
2022 & Newer
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
New Auto Loan
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedJun 16, 2026
Details
NJ vehicles only.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van) Loan
5.25%
up to 60 months
▼
APR5.25%
Termup to 60 months
Last UpdatedJun 16, 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%
1400 S Park Ave, Linden, NJ, 07036
New Auto
5.30%
Up to 6 Years
▼
APR5.30%
TermUp to 6 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Auto Loan
5.34%
Up to 63 Months
▼
APR5.34%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
As Low As
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Used Auto Loans
5.34%
Up to 63 Months
▼
APR5.34%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
As Low As
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Vehicle Loan
5.35%
24 months
▼
APR5.35%
Term24 months
Last UpdatedJun 16, 2026
Details
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only) - 73 to 84 Months
5.38%
73 to 84 Months
▼
APR5.38%
Term73 to 84 Months
Last UpdatedJun 16, 2026
Details
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. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Loans over 90% CLTV may be subject to an increase in APR.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car Loan
5.39%
84 mos
▼
APR5.39%
Term84 mos
Last UpdatedJun 16, 2026
Details
As Low As; *
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Auto Loans - Model Year 2021 and 2020*Up to 120,000 miles
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New Auto Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedJun 16, 2026
Details
Rates are as low as 4.09% APR!*
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Used Auto Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedJun 16, 2026
Details
Rates are as low as 4.09% APR!*
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
NEW CAR LOANS
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJun 16, 2026
Details
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
USED CAR LOANS
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJun 16, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
Used Auto Loan
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedJun 16, 2026
Details
NJ vehicles only.
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars Loan
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJun 16, 2026
Details
With credit score of 700 and above
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loans
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
New Auto / Truck
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedJun 16, 2026
Details
FIRST POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 4.83%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
New Auto Loan
5.49%
6 years
▼
APR5.49%
Term6 years
Last UpdatedJun 16, 2026
Details
Rates are subject to change without notice. Rates shown are as low as.
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.49%
48 - 59 Months
▼
APR5.49%
Term48 - 59 Months
Last UpdatedJun 16, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks Loan
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedJun 16, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Used Cars and Trucks Loan
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedJun 16, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Older or High Mileage Used Auto
5.50%
5 years
▼
APR5.50%
Term5 years
Last UpdatedJun 16, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
New Auto Loans
5.50%
Up to 59 months
▼
APR5.50%
TermUp to 59 months
Last UpdatedJun 16, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Used Vehicle (car, truck, van) Loan
5.50%
up to 48 months
▼
APR5.50%
Termup to 48 months
Last UpdatedJun 16, 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%
19 Fenwick St, Newark, NJ, 07114
Used Auto
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedJun 16, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.76%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
New Car Loan
5.50%
Up to 36 Months
▼
APR5.50%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
5.52%
72 months*
▼
APR5.52%
Term72 months*
Last UpdatedJun 16, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
New Auto
5.53%
60 months
▼
APR5.53%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; [1]
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
New Auto Loan
5.53%
60-months
▼
APR5.53%
Term60-months
Last UpdatedJun 16, 2026
Details
As Low As; 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%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Vehicle Loan
5.60%
48 months
▼
APR5.60%
Term48 months
Last UpdatedJun 16, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.65%
Up to 6 Years
▼
APR5.65%
TermUp to 6 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
5.67%
84 months**
▼
APR5.67%
Term84 months**
Last UpdatedJun 16, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
New Auto
5.68%
72 months
▼
APR5.68%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; [1]
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Auto Loans - Model Year 2019 and Older*Up to 120,000 miles
5.74%
Up to 36 Months
▼
APR5.74%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Used Vehicle (car, truck, van) Loan
5.74%
up to 36 months
▼
APR5.74%
Termup to 36 months
Last UpdatedJun 16, 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%
1 ADP Blvd, Roseland, NJ, 07068
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJun 16, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto
5.74%
49-60 Months
▼
APR5.74%
Term49-60 Months
Last UpdatedJun 16, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.74%
60 - 71 Months
▼
APR5.74%
Term60 - 71 Months
Last UpdatedJun 16, 2026
Details
As Low As
Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
1179 Route 40, Pilesgrove, NJ, 08098
New Auto Loan ****
5.75%
6yrs - 700 and above credit score
▼
APR5.75%
Term6yrs - 700 and above credit score
Last UpdatedJun 16, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Used Vehicle (car, truck, van) Loan
5.75%
up to 60 months
▼
APR5.75%
Termup to 60 months
Last UpdatedJun 16, 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%
19 Fenwick St, Newark, NJ, 07114
Used Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedJun 16, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.76%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
New Car Loan
5.75%
37-60 Months
▼
APR5.75%
Term37-60 Months
Last UpdatedJun 16, 2026
Details
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
New Vehicle Loan (2024-2027)
5.75%
Up to 84 months
▼
APR5.75%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
Model Year 2024-2027; Up to $65,000; Rate range: 5.75 - 8.75%
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
Used Vehicle Loan (2021-2023)
5.75%
Up to 36 months
▼
APR5.75%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
Model Year 2021-2023; Up to $40,000; Rate range: 5.75 - 12.75%
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Vehicle Loan
5.85%
60 months
▼
APR5.85%
Term60 months
Last UpdatedJun 16, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
Pre-Owned Auto
5.88%
60 months
▼
APR5.88%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; Maximum Loan: $100,000
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
Used/Refinance Auto Loan
5.88%
60-months
▼
APR5.88%
Term60-months
Last UpdatedJun 16, 2026
Details
As Low As; 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.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
New Auto / Truck
5.89%
84 Months
▼
APR5.89%
Term84 Months
Last UpdatedJun 16, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Auto Loan
5.94%
64 to 75 Months
▼
APR5.94%
Term64 to 75 Months
Last UpdatedJun 16, 2026
Details
As Low As
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★ Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ, 08816 5601
Auto Loans New Car
5.95%
up to 84 Months
▼
APR5.95%
Termup to 84 Months
Last UpdatedJun 11, 2026
Details
$60,000 Maximum 10 payments a year or 12 payments a year
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
New Auto Loans
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedJun 16, 2026
Details
As Low As; *
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Auto Loans - Model Year 2019 and Older*Up to 120,000 miles
5.99%
Up to 48 Months
▼
APR5.99%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Auto Loans - Model Year 2021 and 2020*Up to 120,000 miles
5.99%
Up to 72 Months
▼
APR5.99%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New Auto Loan
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedJun 16, 2026
Details
Rates are as low as 4.09% APR!*
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Used Auto Loan
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedJun 16, 2026
Details
Rates are as low as 4.09% APR!*
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
NEW CAR LOANS
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJun 16, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Auto Loan
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
Used Auto Loan
5.99%
48 months
▼
APR5.99%
Term48 months
Last UpdatedJun 16, 2026
Details
NJ vehicles only.
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars Loan
5.99%
48 Months or less
▼
APR5.99%
Term48 Months or less
Last UpdatedJun 16, 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%
2430 Hamilton Ave, Hamilton, NJ, 08619
Used Cars Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedJun 16, 2026
Details
With credit score of 700 and above
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loans
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Minimum loan amount $30,000
FIRST POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 4.83%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
New Auto Loan
5.99%
7 years
▼
APR5.99%
Term7 years
Last UpdatedJun 16, 2026
Details
Rates are subject to change without notice. Rates shown are as low as.
FIRST POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 4.83%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
Used Auto Loan
5.99%
3 years
▼
APR5.99%
Term3 years
Last UpdatedJun 16, 2026
Details
Rates are subject to change without notice. Rates shown are as low as.
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.99%
72 - 83 Months
▼
APR5.99%
Term72 - 83 Months
Last UpdatedJun 16, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
New Auto Loans
6.00%
Up to 84 months
▼
APR6.00%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
**
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van) Loan
6.00%
up to 72 months
▼
APR6.00%
Termup to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.76%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
New Car Loan
6.00%
61-72 Months
▼
APR6.00%
Term61-72 Months
Last UpdatedJun 16, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.76%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
Used Car Loan (2022-2025)
6.00%
Up to 36 Months
▼
APR6.00%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
New Auto
6.05%
Up to 7 Years
▼
APR6.05%
TermUp to 7 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Vehicle Loan
6.10%
72 months
▼
APR6.10%
Term72 months
Last UpdatedJun 16, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Auto Loans
6.14%
76 - 84 Months
▼
APR6.14%
Term76 - 84 Months
Last UpdatedJun 11, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
New Auto
6.18%
84 months
▼
APR6.18%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As; [1]
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MonitorBankRates
New Jersey New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
614 Frelinghuysen Ave Fl 1, Newark, NJ, 07114
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
3.49%
Up to 36 months
▼
APR3.49%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles Loan
3.50%
Up to 60 months - Auto Pay
▼
APR3.50%
TermUp to 60 months - Auto Pay
Last UpdatedJun 16, 2026
Details
As Low As
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
5100 Harding Hwy Ste 103, Mays Landing, NJ, 08330 2260
New Auto Loan
3.75%
Up to 72 months*
▼
APR3.75%
TermUp to 72 months*
Last UpdatedJun 16, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Auto Loans -- New or Used Under 3 years
3.99%
3 years
▼
APR3.99%
Term3 years
Last UpdatedJun 16, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars Loan
3.99%
48 Months or less
▼
APR3.99%
Term48 Months or less
Last UpdatedJun 16, 2026
Details
With credit score of 700 and above
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only) - Up to 24 Months
3.99%
Up to 24 Months
▼
APR3.99%
TermUp to 24 Months
Last UpdatedJun 16, 2026
Details
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. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Loans over 90% CLTV may be subject to an increase in APR.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJun 16, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.00%
Up to 24 months
▼
APR4.00%
TermUp to 24 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles Loan
4.00%
Up to 60 months - Regular
▼
APR4.00%
TermUp to 60 months - Regular
Last UpdatedJun 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
614 Frelinghuysen Ave Fl 1, Newark, NJ, 07114
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only) - 25 to 36 Months
4.13%
25 to 36 Months
▼
APR4.13%
Term25 to 36 Months
Last UpdatedJun 16, 2026
Details
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. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Loans over 90% CLTV may be subject to an increase in APR.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.15%
Up to 36 months
▼
APR4.15%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.24%
6 - 35 Months
▼
APR4.24%
Term6 - 35 Months
Last UpdatedJun 16, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans 6 - 35 Months
4.24%
35 Months
▼
APR4.24%
Term35 Months
Last UpdatedJun 16, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used - 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJun 16, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
New Auto Loans
4.25%
Up to 60 months
▼
APR4.25%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.30%
Up to 48 months
▼
APR4.30%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
New Auto
4.35%
Up to 2 Years
▼
APR4.35%
TermUp to 2 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only) - 37 to 48 Months
4.38%
37 to 48 Months
▼
APR4.38%
Term37 to 48 Months
Last UpdatedJun 16, 2026
Details
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. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Loans over 90% CLTV may be subject to an increase in APR.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car Loan
4.39%
Up to 60 mos
▼
APR4.39%
TermUp to 60 mos
Last UpdatedJun 16, 2026
Details
As Low As; *
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.45%
Up to 60 months
▼
APR4.45%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New Auto Loan
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedJun 16, 2026
Details
Rates are as low as 4.09% APR!*
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
New Auto / Truck
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJun 16, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto Loan
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.49%
36 - 47 Months
▼
APR4.49%
Term36 - 47 Months
Last UpdatedJun 16, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans 36 - 47 Months
4.49%
47 Months
▼
APR4.49%
Term47 Months
Last UpdatedJun 16, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used - 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJun 16, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJun 16, 2026
Details
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles Loan
4.50%
Up to 72 months - Regular
▼
APR4.50%
TermUp to 72 months - Regular
Last UpdatedJun 16, 2026
Details
As Low As
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
35 Main St, South Bound Brook, NJ, 08880
New Car Loans
4.50%
Up to 72 months
▼
APR4.50%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
5%-40% down payment
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
New Vehicle Loan (2024-2027)
4.50%
Up to 36 months
▼
APR4.50%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
Model Year 2024-2027; Up to $65,000; Rate range: 4.50 - 11.50%
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
4.59%
48 months
▼
APR4.59%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.60%
Up to 72 months
▼
APR4.60%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
New Auto
4.60%
Up to 3 Years
▼
APR4.60%
TermUp to 3 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only) - 49 to 66 Months
4.63%
49 to 66 Months
▼
APR4.63%
Term49 to 66 Months
Last UpdatedJun 16, 2026
Details
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. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Loans over 90% CLTV may be subject to an increase in APR.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
4.69%
60 months
▼
APR4.69%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New Auto Loan
4.74%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedJun 16, 2026
Details
Rates are as low as 4.09% APR!*
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.74%
48 - 59 Months
▼
APR4.74%
Term48 - 59 Months
Last UpdatedJun 16, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans 48 - 59 Months
4.74%
59 Months
▼
APR4.74%
Term59 Months
Last UpdatedJun 16, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used - 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJun 16, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.75%
Up to 84 months
▼
APR4.75%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
New Auto
4.85%
Up to 4 Years
▼
APR4.85%
TermUp to 4 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only) - 67 to 72 Months
4.88%
67 to 72 Months
▼
APR4.88%
Term67 to 72 Months
Last UpdatedJun 16, 2026
Details
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. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Loans over 90% CLTV may be subject to an increase in APR.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car Loan
4.89%
72 mos
▼
APR4.89%
Term72 mos
Last UpdatedJun 16, 2026
Details
As Low As; *
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
New Auto / Truck
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedJun 16, 2026
Details
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
711 Union Blvd, Totowa, NJ, 07512 2207
New Auto Loan
4.90%
12 mos.
▼
APR4.90%
Term12 mos.
Last UpdatedJun 16, 2026
Details
As Low As; Interest
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ, 07446
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedJun 16, 2026
Details
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
NEW CAR LOANS
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 16, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
New Auto Loans
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJun 16, 2026
Details
With credit score of 700 and above
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van) Loan
4.99%
up to 36 months
▼
APR4.99%
Termup to 36 months
Last UpdatedJun 16, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.65%
501 Baltimore St, Phillipsburg, NJ, 08865 1845
Auto Loan - New
4.99%
36-Months
▼
APR4.99%
Term36-Months
Last UpdatedJun 16, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Minimum loan amount $30,000
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto Loan
4.99%
49-60 Months
▼
APR4.99%
Term49-60 Months
Last UpdatedJun 16, 2026
Details
As Low As
FIRST POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 4.83%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
New Auto Loan
4.99%
4 years
▼
APR4.99%
Term4 years
Last UpdatedJun 16, 2026
Details
Rates are subject to change without notice. Rates shown are as low as.
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.99%
60 - 71 Months*
▼
APR4.99%
Term60 - 71 Months*
Last UpdatedJun 16, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans 60 - 71 Months*
4.99%
71 Months
▼
APR4.99%
Term71 Months
Last UpdatedJun 16, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedJun 16, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
New Auto Loans
5.00%
Up to 36 months
▼
APR5.00%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
New Auto
5.00%
Up to 5 Years
▼
APR5.00%
TermUp to 5 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles Loan
5.00%
84 months - Regular
▼
APR5.00%
Term84 months - Regular
Last UpdatedJun 16, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van) Loan
5.00%
up to 48 months
▼
APR5.00%
Termup to 48 months
Last UpdatedJun 16, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
New Vehicle Loan (2024-2027)
5.00%
Up to 60 months
▼
APR5.00%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
Model Year 2024-2027; Up to $65,000; Rate range: 5.00 - 10.50%
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedJun 16, 2026
Details
With credit score of 700 and above
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto
5.24%
37-48 Months
▼
APR5.24%
Term37-48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto Loan
5.24%
61-72 Months
▼
APR5.24%
Term61-72 Months
Last UpdatedJun 16, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
5.24%
72 - 84 Months*
▼
APR5.24%
Term72 - 84 Months*
Last UpdatedJun 16, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans 72 - 84 Months*
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ, 07446
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedJun 16, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
New Auto Loan
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedJun 16, 2026
Details
NJ vehicles only.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van) Loan
5.25%
up to 60 months
▼
APR5.25%
Termup to 60 months
Last UpdatedJun 16, 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%
1400 S Park Ave, Linden, NJ, 07036
New Auto
5.30%
Up to 6 Years
▼
APR5.30%
TermUp to 6 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only) - 73 to 84 Months
5.38%
73 to 84 Months
▼
APR5.38%
Term73 to 84 Months
Last UpdatedJun 16, 2026
Details
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. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Loans over 90% CLTV may be subject to an increase in APR.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car Loan
5.39%
84 mos
▼
APR5.39%
Term84 mos
Last UpdatedJun 16, 2026
Details
As Low As; *
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New Auto Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedJun 16, 2026
Details
Rates are as low as 4.09% APR!*
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
NEW CAR LOANS
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJun 16, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars Loan
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJun 16, 2026
Details
With credit score of 700 and above
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
New Auto / Truck
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedJun 16, 2026
Details
FIRST POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 4.83%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
New Auto Loan
5.49%
6 years
▼
APR5.49%
Term6 years
Last UpdatedJun 16, 2026
Details
Rates are subject to change without notice. Rates shown are as low as.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks Loan
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedJun 16, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
New Auto Loans
5.50%
Up to 59 months
▼
APR5.50%
TermUp to 59 months
Last UpdatedJun 16, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.76%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
New Car Loan
5.50%
Up to 36 Months
▼
APR5.50%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
5.52%
72 months*
▼
APR5.52%
Term72 months*
Last UpdatedJun 16, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
New Auto
5.53%
60 months
▼
APR5.53%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; [1]
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
New Auto Loan
5.53%
60-months
▼
APR5.53%
Term60-months
Last UpdatedJun 16, 2026
Details
As Low As; 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%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
5.67%
84 months**
▼
APR5.67%
Term84 months**
Last UpdatedJun 16, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
New Auto
5.68%
72 months
▼
APR5.68%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; [1]
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
1 ADP Blvd, Roseland, NJ, 07068
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJun 16, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto
5.74%
49-60 Months
▼
APR5.74%
Term49-60 Months
Last UpdatedJun 16, 2026
Details
As Low As
Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
1179 Route 40, Pilesgrove, NJ, 08098
New Auto Loan ****
5.75%
6yrs - 700 and above credit score
▼
APR5.75%
Term6yrs - 700 and above credit score
Last UpdatedJun 16, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.76%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
New Car Loan
5.75%
37-60 Months
▼
APR5.75%
Term37-60 Months
Last UpdatedJun 16, 2026
Details
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
New Vehicle Loan (2024-2027)
5.75%
Up to 84 months
▼
APR5.75%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
Model Year 2024-2027; Up to $65,000; Rate range: 5.75 - 8.75%
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
New Auto / Truck
5.89%
84 Months
▼
APR5.89%
Term84 Months
Last UpdatedJun 16, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★ Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ, 08816 5601
Auto Loans New Car
5.95%
up to 84 Months
▼
APR5.95%
Termup to 84 Months
Last UpdatedJun 11, 2026
Details
$60,000 Maximum 10 payments a year or 12 payments a year
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
New Auto Loans
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedJun 16, 2026
Details
As Low As; *
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New Auto Loan
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedJun 16, 2026
Details
Rates are as low as 4.09% APR!*
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
NEW CAR LOANS
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJun 16, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars Loan
5.99%
48 Months or less
▼
APR5.99%
Term48 Months or less
Last UpdatedJun 16, 2026
Details
With credit score of 600 to 699
FIRST POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 4.83%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
New Auto Loan
5.99%
7 years
▼
APR5.99%
Term7 years
Last UpdatedJun 16, 2026
Details
Rates are subject to change without notice. Rates shown are as low as.
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
New Auto Loans
6.00%
Up to 84 months
▼
APR6.00%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
**
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van) Loan
6.00%
up to 72 months
▼
APR6.00%
Termup to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.76%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
New Car Loan
6.00%
61-72 Months
▼
APR6.00%
Term61-72 Months
Last UpdatedJun 16, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
New Auto
6.05%
Up to 7 Years
▼
APR6.05%
TermUp to 7 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
New Auto
6.18%
84 months
▼
APR6.18%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As; [1]
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MonitorBankRates
New Jersey Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
Used Vehicles Loan
3.50%
Up to 60 months - Auto Pay
▼
APR3.50%
TermUp to 60 months - Auto Pay
Last UpdatedJun 16, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
614 Frelinghuysen Ave Fl 1, Newark, NJ, 07114
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Auto Loans -- New or Used Under 3 years
3.99%
3 years
▼
APR3.99%
Term3 years
Last UpdatedJun 16, 2026
Details
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
Used Vehicles Loan
4.00%
Up to 60 months - Regular
▼
APR4.00%
TermUp to 60 months - Regular
Last UpdatedJun 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used - 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJun 16, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.25%
Up to 24 months
▼
APR4.25%
TermUp to 24 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
4.25%
Up to 60 months
▼
APR4.25%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
2019 & Newer
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
19 Fenwick St, Newark, NJ, 07114
Used Auto
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJun 16, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Used Auto Loan
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedJun 16, 2026
Details
Rates are as low as 4.09% APR!*
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loans
4.49%
24 to 36 months
▼
APR4.49%
Term24 to 36 months
Last UpdatedJun 16, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used - 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJun 16, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Used Cars and Trucks Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJun 16, 2026
Details
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
Used Vehicles Loan
4.50%
Up to 72 months - Regular
▼
APR4.50%
TermUp to 72 months - Regular
Last UpdatedJun 16, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.55%
Up to 48 months
▼
APR4.55%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
614 Frelinghuysen Ave Fl 1, Newark, NJ, 07114
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
4.60%
36 months
▼
APR4.60%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
4.60%
Up to 2 Years
▼
APR4.60%
TermUp to 2 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
Pre-Owned Loan
4.64%
Up to 60 mos
▼
APR4.64%
TermUp to 60 mos
Last UpdatedJun 16, 2026
Details
As Low As; *
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.70%
Up to 60 months
▼
APR4.70%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Used Auto Loan
4.74%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedJun 16, 2026
Details
Rates are as low as 4.09% APR!*
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
4.74%
Up to 36 months
▼
APR4.74%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
2013 & Newer
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used - 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJun 16, 2026
Details
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
19 Fenwick St, Newark, NJ, 07114
Used Auto
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedJun 16, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.85%
Up to 72 months
▼
APR4.85%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; Application Fee: $40.00
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
4.85%
Up to 3 Years
▼
APR4.85%
TermUp to 3 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
711 Union Blvd, Totowa, NJ, 07512 2207
Used Auto Loan
4.90%
12 months
▼
APR4.90%
Term12 months
Last UpdatedJun 16, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
4.94%
48 months
▼
APR4.94%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
USED CAR LOANS
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 16, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
4.99%
Up to 59 months
▼
APR4.99%
TermUp to 59 months
Last UpdatedJun 16, 2026
Details
2019 & Newer
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
Used Cars Loan
4.99%
48 Months or less
▼
APR4.99%
Term48 Months or less
Last UpdatedJun 16, 2026
Details
With credit score of 700 and above
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loans
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
4.99%
6 - 35 Months
▼
APR4.99%
Term6 - 35 Months
Last UpdatedJun 16, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Used Cars and Trucks Loan
5.00%
42 Months
▼
APR5.00%
Term42 Months
Last UpdatedJun 16, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Older or High Mileage Used Auto
5.00%
3 years
▼
APR5.00%
Term3 years
Last UpdatedJun 16, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.00%
Up to 4 Years
▼
APR5.00%
TermUp to 4 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
Used Vehicles Loan
5.00%
84 months - Regular
▼
APR5.00%
Term84 months - Regular
Last UpdatedJun 16, 2026
Details
As Low As
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
5100 Harding Hwy Ste 103, Mays Landing, NJ, 08330 2260
Used Auto Loans
5.00%
Up to 72 months*
▼
APR5.00%
TermUp to 72 months*
Last UpdatedJun 16, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
35 Main St, South Bound Brook, NJ, 08880
Used Car Loans(Maximum age of car - Last 7 Model Years)
5.00%
Up to 72 months
▼
APR5.00%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
10%-40% down payment
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
5.04%
60 months
▼
APR5.04%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
Pre-Owned Loan
5.14%
72 mos
▼
APR5.14%
Term72 mos
Last UpdatedJun 16, 2026
Details
As Low As; *
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.20%
Up to 5 Years
▼
APR5.20%
TermUp to 5 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.24%
36 - 47 Months
▼
APR5.24%
Term36 - 47 Months
Last UpdatedJun 16, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Older or High Mileage Used Auto
5.25%
4 years
▼
APR5.25%
Term4 years
Last UpdatedJun 16, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
5.25%
Up to 72 months
▼
APR5.25%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
2022 & Newer
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Used Auto Loans
5.34%
Up to 63 Months
▼
APR5.34%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Used Auto Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedJun 16, 2026
Details
Rates are as low as 4.09% APR!*
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
USED CAR LOANS
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJun 16, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
Used Auto Loan
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedJun 16, 2026
Details
NJ vehicles only.
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loans
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.49%
48 - 59 Months
▼
APR5.49%
Term48 - 59 Months
Last UpdatedJun 16, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Used Cars and Trucks Loan
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedJun 16, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Older or High Mileage Used Auto
5.50%
5 years
▼
APR5.50%
Term5 years
Last UpdatedJun 16, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Used Vehicle (car, truck, van) Loan
5.50%
up to 48 months
▼
APR5.50%
Termup to 48 months
Last UpdatedJun 16, 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%
19 Fenwick St, Newark, NJ, 07114
Used Auto
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedJun 16, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.65%
Up to 6 Years
▼
APR5.65%
TermUp to 6 Years
Last UpdatedJun 16, 2026
Details
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Used Vehicle (car, truck, van) Loan
5.74%
up to 36 months
▼
APR5.74%
Termup to 36 months
Last UpdatedJun 16, 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%
1 ADP Blvd, Roseland, NJ, 07068
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJun 16, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.74%
60 - 71 Months
▼
APR5.74%
Term60 - 71 Months
Last UpdatedJun 16, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Used Vehicle (car, truck, van) Loan
5.75%
up to 60 months
▼
APR5.75%
Termup to 60 months
Last UpdatedJun 16, 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%
19 Fenwick St, Newark, NJ, 07114
Used Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedJun 16, 2026
Details
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
Used Vehicle Loan (2021-2023)
5.75%
Up to 36 months
▼
APR5.75%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
Model Year 2021-2023; Up to $40,000; Rate range: 5.75 - 12.75%
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
Pre-Owned Auto
5.88%
60 months
▼
APR5.88%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; Maximum Loan: $100,000
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
Used/Refinance Auto Loan
5.88%
60-months
▼
APR5.88%
Term60-months
Last UpdatedJun 16, 2026
Details
As Low As; 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%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Used Auto Loan
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedJun 16, 2026
Details
Rates are as low as 4.09% APR!*
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
Used Auto Loan
5.99%
48 months
▼
APR5.99%
Term48 months
Last UpdatedJun 16, 2026
Details
NJ vehicles only.
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
Used Cars Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedJun 16, 2026
Details
With credit score of 700 and above
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loans
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Minimum loan amount $30,000
FIRST POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 4.83%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
Used Auto Loan
5.99%
3 years
▼
APR5.99%
Term3 years
Last UpdatedJun 16, 2026
Details
Rates are subject to change without notice. Rates shown are as low as.
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.99%
72 - 83 Months
▼
APR5.99%
Term72 - 83 Months
Last UpdatedJun 16, 2026
Details
As Low As
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.76%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
Used Car Loan (2022-2025)
6.00%
Up to 36 Months
▼
APR6.00%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
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MonitorBankRates
New Jersey Auto Loan Rate Trends
Compare local New Jersey auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — NJ Avg
5.717%
▲ 0.329 vs 7 days ago
New Jersey new auto rates rose 0.329 points over the past 7 days to 5.717% APR.
Used Auto Loan — NJ Avg
8.136%
▼ 0.090 vs 7 days ago
New Jersey used auto rates fell 0.090 points over the past 7 days to 8.136% APR.
As of Jun 19, 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 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 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 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 New Jersey
How does my credit score affect my car loan rate in New Jersey?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in New Jersey with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in New Jersey *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in New Jersey typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in New Jersey?
Based on our current data, some of the lowest auto loan rates available in New Jersey include:
- 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)
- Atlantic City Electric Co Emp Federal Credit Union: 3.75% (New Auto Loan)
- Andrews Federal Credit Union: 3.99% (New Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in New Jersey. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 16, 2026
Auto Loan Rates by City in New Jersey
Rate Assistant
MonitorBankRates.com · Live Data
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