Auto Loan Rates in Berkeley, New Jersey (NJ) for June 2026
Brian McKay
Brian McKay
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Current auto loan rates in Berkeley, New Jersey include American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, Wakefern Federal Credit UnionWakefern Federal Credit UnionA+5.0 ★Texas Ratio: 0.05% offering New Car Loans at 3.49%, Deepwater Industries Federal Credit UnionDeepwater Industries Federal Credit UnionA+5.0 ★Texas Ratio: 1.96% offering New Vehicles Loan at 3.50%, Atlantic City Electric Co Emp Federal Credit UnionAtlantic City Electric Co Emp Federal Credit UnionA+5.0 ★Texas Ratio: 5.54% offering New Auto Loan at 3.75%, Andrews Federal Credit UnionAndrews Federal Credit UnionA5.0 ★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.
Berkeley borrowers have access to 38 lenders serving the New Jersey area, with auto loan rates as low as 3.34% APR from American Airlines Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Berkeley, New Jersey. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Berkeley, New Jersey & Surrounding Area
Berkeley Auto Loan Rates
As low as
As Low As
As Low As
As Low As
As low as
As Low As
With credit score of 700 and above
As Low As
Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. 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.
As Low As; Application Fee: $40.00
As Low As
As Low As
As Low As
As low as
Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. 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.
As Low As; 2026 & Newer
As Low As; Application Fee: $40.00
As Low As
As Low As
As Low As; Application Fee: $40.00
2019 & Newer
As Low As; Application Fee: $40.00
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
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.
As Low As; *
As Low As; Application Fee: $40.00
As Low As; Application Fee: $40.00
As Low As
Rates are as low as 4.09% APR!*
Rates are as low as 4.09% APR!*
As Low As; Lower your payment or upgrade your ride with flexible terms up to 84 months.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
5%-40% down payment
Model Year 2024-2027; Up to $65,000; Rate range: 4.50 - 11.50%
As Low As; Application Fee: $40.00
As Low As
As low as
As Low As
As Low As; Application Fee: $40.00
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
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.
As Low As; *
As Low As
As Low As; Application Fee: $40.00
As Low As
Rates are as low as 4.09% APR!*
Rates are as low as 4.09% APR!*
2013 & Newer
As Low As
As Low As
As Low As
As Low As; Application Fee: $40.00
As Low As; Application Fee: $40.00
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
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.
As Low As; *
As Low As; Interest
As Low As
As Low As
As Low As
2019 & Newer
As Low As
As Low As
With credit score of 700 and above
With credit score of 700 and above
As Low As; up to 100% of purchase price, including sales tax
As Low As
As Low As; Minimum loan amount $30,000
As Low As
As Low As
Rates are subject to change without notice. Rates shown are as low as.
As Low As
As Low As
As Low As
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As
As Low As
As Low As; up to 100% of purchase price, including sales tax
10%-40% down payment
Model Year 2024-2027; Up to $65,000; Rate range: 5.00 - 10.50%
As Low As
As Low As; 2023 - 2025*
As Low As; *
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As
As Low As
With credit score of 700 and above
As Low As
As Low As
As Low As
As Low As
As Low As
2022 & Newer
NJ vehicles only.
As Low As; up to 100% of purchase price, including sales tax
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As
As Low As
Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. 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.
As Low As; *
As Low As
As Low As
Rates are as low as 4.09% APR!*
Rates are as low as 4.09% APR!*
NJ vehicles only.
With credit score of 700 and above
As Low As
Rates are subject to change without notice. Rates shown are as low as.
As Low As
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
As Low As
As Low As; [1]
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.
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As
As Low As; [1]
As Low As
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
As Low As
As Low As
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
Model Year 2024-2027; Up to $65,000; Rate range: 5.75 - 8.75%
Model Year 2021-2023; Up to $40,000; Rate range: 5.75 - 12.75%
As Low As; Maximum Loan: $100,000
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.
As Low As
$60,000 Maximum 10 payments a year or 12 payments a year
As Low As; *
As Low As
As Low As
As Low As
Rates are as low as 4.09% APR!*
Rates are as low as 4.09% APR!*
As Low As
NJ vehicles only.
With credit score of 600 to 699
With credit score of 700 and above
As Low As; Minimum loan amount $30,000
Rates are subject to change without notice. Rates shown are as low as.
Rates are subject to change without notice. Rates shown are as low as.
As Low As
**
As Low As; up to 100% of purchase price, including sales tax
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As
As Low As; [1]
Berkeley New Auto Auto Loan Rates
As low as
As Low As
As Low As
As Low As
With credit score of 700 and above
As Low As
Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. 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.
As Low As; Application Fee: $40.00
As Low As
As Low As
As low as
Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. 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.
As Low As; Application Fee: $40.00
As Low As
As Low As
As Low As; Application Fee: $40.00
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
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.
As Low As; *
As Low As; Application Fee: $40.00
As Low As
Rates are as low as 4.09% APR!*
As Low As
As Low As
As Low As
As Low As
As Low As
5%-40% down payment
Model Year 2024-2027; Up to $65,000; Rate range: 4.50 - 11.50%
As Low As
As Low As; Application Fee: $40.00
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
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.
As Low As
As Low As
Rates are as low as 4.09% APR!*
As Low As
As Low As
As Low As
As Low As; Application Fee: $40.00
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
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.
As Low As; *
As Low As; Interest
As Low As
With credit score of 700 and above
As Low As; up to 100% of purchase price, including sales tax
As Low As
As Low As; Minimum loan amount $30,000
As Low As
Rates are subject to change without notice. Rates shown are as low as.
As Low As
As Low As
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As
As Low As; up to 100% of purchase price, including sales tax
Model Year 2024-2027; Up to $65,000; Rate range: 5.00 - 10.50%
With credit score of 700 and above
As Low As
As Low As
As Low As
As Low As
NJ vehicles only.
As Low As; up to 100% of purchase price, including sales tax
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
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.
As Low As; *
As Low As
Rates are as low as 4.09% APR!*
With credit score of 700 and above
Rates are subject to change without notice. Rates shown are as low as.
As Low As
As Low As; [1]
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.
As Low As
As Low As; [1]
As Low As
Model Year 2024-2027; Up to $65,000; Rate range: 5.75 - 8.75%
$60,000 Maximum 10 payments a year or 12 payments a year
As Low As; *
As Low As
Rates are as low as 4.09% APR!*
With credit score of 600 to 699
Rates are subject to change without notice. Rates shown are as low as.
**
As Low As; up to 100% of purchase price, including sales tax
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As; [1]
Berkeley Used Auto Auto Loan Rates
As Low As
As low as
As Low As
As Low As
As Low As; Application Fee: $40.00
2019 & Newer
As Low As; Application Fee: $40.00
As Low As
Rates are as low as 4.09% APR!*
As Low As
As Low As
As Low As; Application Fee: $40.00
As low as
As Low As
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As; *
As Low As; Application Fee: $40.00
As Low As
Rates are as low as 4.09% APR!*
2013 & Newer
As Low As; Application Fee: $40.00
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As
As Low As
2019 & Newer
With credit score of 700 and above
As Low As
As Low As
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As
10%-40% down payment
As Low As
As Low As; *
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As
2022 & Newer
As Low As
As Low As
Rates are as low as 4.09% APR!*
NJ vehicles only.
As Low As
As Low As
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
As Low As
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
Model Year 2021-2023; Up to $40,000; Rate range: 5.75 - 12.75%
As Low As; Maximum Loan: $100,000
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.
As Low As
Rates are as low as 4.09% APR!*
NJ vehicles only.
With credit score of 700 and above
As Low As; Minimum loan amount $30,000
Rates are subject to change without notice. Rates shown are as low as.
As Low As
Berkeley, NJ Auto Loan Rate Trends
Compare local Berkeley, NJ auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Jersey new auto rates rose 0.329 points over the past 7 days to 5.717% APR.
New Jersey used auto rates fell 0.090 points over the past 7 days to 8.136% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Berkeley, 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 Berkeley, 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 Berkeley, 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 Berkeley, New Jersey
How does my credit score affect my car loan rate in New Jersey?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Berkeley, New Jersey?
- 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)
Berkeley, New Jersey Rates & Resources
