Auto Loan Rates in New Jersey (NJ) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Baxter Credit UnionBaxter Credit Union1 Becton Dr, Franklin Lakes, NJ, 07417 1815A5.0 ★Texas Ratio: 7.04% offering Auto Loans at 3.24%, 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%, New Jersey Law And Public Safety Credit UnionNew Jersey Law And Public Safety Credit Union225 E State St, Trenton, NJ, 08608 1800A+5.0 ★Texas Ratio: 1.03% offering New Auto Loans at 3.59%. Auto loan rates as of May 21, 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 3.24% APR from Baxter Credit Union at 1 Becton Dr, Franklin Lakes, NJ, 07417 1815. 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: May 21, 2026
Compare Auto Loan Rates Today in New Jersey
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
614 Frelinghuysen Ave Fl 1, Newark, NJ, 07114
New Auto
3.34%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 36 Months
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
▼
APR3.49%
TermUp to 36
Last UpdatedMay 17, 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
▼
APR3.50%
TermUp to 60 months
Last UpdatedMay 21, 2026
Details
As Low As; Auto Pay
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
225 E State St, Trenton, NJ, 08608 1800
New Auto Loans
3.59%
24 to 84
▼
APR3.59%
Term24 to 84
Last UpdatedMay 20, 2026
Details
As Low As; .25% discount if payroll deducted; Rate is determined by credit risk score.
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%
72 Months
▼
APR3.75%
Term72 Months
Last UpdatedMay 17, 2026
Details
Up to 72 months*
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%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 36 Months
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 Months
▼
APR3.99%
Term3 Months
Last UpdatedMay 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 17, 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)
3.99%
Up to 24 Months
▼
APR3.99%
TermUp to 24 Months
Last UpdatedMay 17, 2026
Details
As Low As; Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
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 UpdatedMay 21, 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
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.00%
Up to 24 months
▼
APR4.00%
TermUp to 24 months
Last UpdatedMay 17, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles Loan
4.00%
Up to 60 months
▼
APR4.00%
TermUp to 60 months
Last UpdatedMay 21, 2026
Details
As Low As; Regular
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Auto Loan
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 17, 2026
Details
from 5/1 to 7/3
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
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 UpdatedMay 17, 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%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 60 months
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)
4.13%
25 to 36 Months
▼
APR4.13%
Term25 to 36 Months
Last UpdatedMay 17, 2026
Details
As Low As; Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.15%
Up to 36 months
▼
APR4.15%
TermUp to 36 months
Last UpdatedMay 17, 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
4.24%
6 - 35
▼
APR4.24%
Term6 - 35
Last UpdatedMay 20, 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 UpdatedMay 17, 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 UpdatedMay 17, 2026
Details
As Low As
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
19 Fenwick St, Newark, NJ, 07114
New Auto Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.30%
Up to 48 months
▼
APR4.30%
TermUp to 48 months
Last UpdatedMay 17, 2026
Details
As Low As
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
225 E State St, Trenton, NJ, 08608 1800
Used Auto Loans
4.34%
24 to 84 Month
▼
APR4.34%
Term24 to 84 Month
Last UpdatedMay 20, 2026
Details
As Low As; .25% discount if payroll deducted; Rate is determined by credit risk score.; Additional Savings of .25% if Payroll Deducted; 30% down for lowest rate
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
New Auto
4.35%
2 Months
▼
APR4.35%
Term2 Months
Last UpdatedMay 21, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only)
4.38%
37 to 48 Months
▼
APR4.38%
Term37 to 48 Months
Last UpdatedMay 17, 2026
Details
As Low As; Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car
4.39%
60 Months
▼
APR4.39%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedMay 17, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.45%
Up to 60 months
▼
APR4.45%
TermUp to 60 months
Last UpdatedMay 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 17, 2026
Details
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 17, 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 Loan
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedMay 17, 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
4.49%
Up to 36
▼
APR4.49%
TermUp to 36
Last UpdatedMay 17, 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
Used Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
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
▼
APR4.49%
Term36 - 47
Last UpdatedMay 20, 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 UpdatedMay 17, 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
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Used Cars and Trucks
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 17, 2026
Details
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 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedMay 17, 2026
Details
As Low As; 10% down payment
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
Vehicle Loans Model Year 2024-2027
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 18, 2026
Details
Up to $65,000
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
▼
APR4.50%
TermUp to 72 months
Last UpdatedMay 21, 2026
Details
As Low As; Regular
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 UpdatedMay 17, 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%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 60 months
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 UpdatedMay 21, 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 UpdatedMay 17, 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 UpdatedMay 21, 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
New Auto
4.60%
3 Months
▼
APR4.60%
Term3 Months
Last UpdatedMay 21, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
4.60%
2 Months
▼
APR4.60%
Term2 Months
Last UpdatedMay 21, 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)
4.63%
49 to 66 Months
▼
APR4.63%
Term49 to 66 Months
Last UpdatedMay 17, 2026
Details
As Low As; Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
Pre-Owned
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMay 21, 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 UpdatedMay 17, 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 Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 17, 2026
Details
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 17, 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
Leasing Alternative Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedMay 17, 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
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.74%
48 - 59
▼
APR4.74%
Term48 - 59
Last UpdatedMay 20, 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 UpdatedMay 17, 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 UpdatedMay 17, 2026
Details
As Low As
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
19 Fenwick St, Newark, NJ, 07114
New Auto Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 17, 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 UpdatedMay 17, 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
New Auto
4.85%
4 Months
▼
APR4.85%
Term4 Months
Last UpdatedMay 21, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
4.85%
3 Months
▼
APR4.85%
Term3 Months
Last UpdatedMay 21, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only)
4.88%
67 to 72 Months
▼
APR4.88%
Term67 to 72 Months
Last UpdatedMay 17, 2026
Details
As Low As; Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
711 Union Blvd, Totowa, NJ, 07512 2207
New Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMay 17, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
711 Union Blvd, Totowa, NJ, 07512 2207
Used Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMay 17, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedMay 21, 2026
Details
As Low As
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 UpdatedMay 7, 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
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedMay 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
New Car Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 17, 2026
Details
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
Used Car Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
Used Cars
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
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%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 17, 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
▼
APR4.99%
TermUp to 63
Last UpdatedMay 17, 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 UpdatedMay 17, 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 Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 17, 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
▼
APR4.99%
Term49-60
Last UpdatedMay 17, 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
Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
205 Cherry Hill Rd, Parsippany, NJ, 07054
New Autos-2026
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
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 UpdatedMay 20, 2026
Details
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
▼
APR4.99%
Term60 - 71
Last UpdatedMay 20, 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
▼
APR4.99%
Term6 - 35
Last UpdatedMay 20, 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 UpdatedMay 21, 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
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Used Cars and Trucks
5.00%
42 Months
▼
APR5.00%
Term42 Months
Last UpdatedMay 17, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Older or High Mileage Used Auto
5.00%
3 Months
▼
APR5.00%
Term3 Months
Last UpdatedMay 17, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
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 Model years 2018 and older
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 17, 2026
Details
48 months max. term**
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 Model years 2019 - 2021
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 17, 2026
Details
Up to 60 months*
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 Model years 2022 - 2025
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 17, 2026
Details
Up to 72 months*
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%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 17, 2026
Details
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
Vehicle Loans Model Year 2024-2027
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 18, 2026
Details
Up to $65,000
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
New Auto
5.00%
5 Months
▼
APR5.00%
Term5 Months
Last UpdatedMay 21, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.00%
4 Months
▼
APR5.00%
Term4 Months
Last UpdatedMay 21, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles Loan
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedMay 21, 2026
Details
As Low As; Regular
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 UpdatedMay 21, 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
5.14%
72 Months
▼
APR5.14%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.20%
5 Months
▼
APR5.20%
Term5 Months
Last UpdatedMay 21, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
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 UpdatedMay 17, 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
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
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
▼
APR5.24%
Term64 to 75
Last UpdatedMay 17, 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
Leasing Alternative Auto Loan
5.24%
37-48 Months
▼
APR5.24%
Term37-48 Months
Last UpdatedMay 17, 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
▼
APR5.24%
Term61-72
Last UpdatedMay 17, 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
▼
APR5.24%
Term72 - 84
Last UpdatedMay 20, 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
▼
APR5.24%
Term36 - 47
Last UpdatedMay 20, 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
New Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; NJ vehicles only.
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 Months
▼
APR5.25%
Term4 Months
Last UpdatedMay 17, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 17, 2026
Details
2022 & Newer
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 UpdatedMay 21, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
New Auto
5.30%
6 Months
▼
APR5.30%
Term6 Months
Last UpdatedMay 21, 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
5.34%
Up to 63 Months
▼
APR5.34%
TermUp to 63 Months
Last UpdatedMay 17, 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 UpdatedMay 17, 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)
5.38%
73 to 84 Months
▼
APR5.38%
Term73 to 84 Months
Last UpdatedMay 17, 2026
Details
As Low As; Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car
5.39%
84 Months
▼
APR5.39%
Term84 Months
Last UpdatedMay 17, 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
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; NJ vehicles only.
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 17, 2026
Details
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
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 UpdatedMay 17, 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%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
New Car Loans
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 17, 2026
Details
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
Used Car Loans
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 17, 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
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Used Auto 2025 & 2024
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
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 UpdatedMay 20, 2026
Details
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
▼
APR5.49%
Term48 - 59
Last UpdatedMay 20, 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
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Used Cars and Trucks
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 17, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Older or High Mileage Used Auto
5.50%
5 Months
▼
APR5.50%
Term5 Months
Last UpdatedMay 17, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Used Vehicle (car, truck, van)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
New Auto Loans
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 17, 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
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; 15% down payment
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
19 Fenwick St, Newark, NJ, 07114
New Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 17, 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%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMay 17, 2026
Details
Up to 36 Months
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 UpdatedMay 21, 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 UpdatedMay 21, 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
5.60%
48 months
▼
APR5.60%
Term48 months
Last UpdatedMay 17, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.65%
6 Months
▼
APR5.65%
Term6 Months
Last UpdatedMay 21, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
5.67%
84 Months
▼
APR5.67%
Term84 Months
Last UpdatedMay 21, 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 UpdatedMay 21, 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
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Used Vehicle (car, truck, van)
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
1 ADP Blvd, Roseland, NJ, 07068
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 17, 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
Leasing Alternative Auto Loan
5.74%
49-60 Months
▼
APR5.74%
Term49-60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
205 Cherry Hill Rd, Parsippany, NJ, 07054
New Autos-2026
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 17, 2026
Details
loans over $25,000; Special limitations apply on all terms and rates, please contact the credit union for more information.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Used Auto 2023-2021
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Used Auto 2025 & 2024
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.74%
60 - 71
▼
APR5.74%
Term60 - 71
Last UpdatedMay 20, 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)
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
19 Fenwick St, Newark, NJ, 07114
New Auto Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 17, 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%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 17, 2026
Details
37-60 Months
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
Vehicle Loans Model Year 2021-2023
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedMay 18, 2026
Details
Up to $40,000
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
Vehicle Loans Model Year 2024-2027
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 18, 2026
Details
Up to $65,000
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 UpdatedMay 21, 2026
Details
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 UpdatedMay 17, 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 Loan (60 months)
5.88%
60 Months
▼
APR5.88%
Term60 Months
Last UpdatedMay 21, 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
Pre-Owned Auto Loan (72 months)
5.88%
72 Months
▼
APR5.88%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
GAF Linden Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.11%
1 Campus Dr, Parsippany, NJ, 07054 4404
NEW Automobile
5.90%
60 Months
▼
APR5.90%
Term60 Months
Last UpdatedMay 17, 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 UpdatedMay 17, 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 UpdatedMay 6, 2026
Details
As Low As; NJ vehicles only.
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 UpdatedMay 17, 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 Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 17, 2026
Details
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Auto Loans - Model Year 2019 and Older*Up to 120,000 miles
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
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 UpdatedMay 17, 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%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
New Car Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 17, 2026
Details
With credit score of 600 to 699
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
Used Cars
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
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
▼
APR5.99%
Term76 - 84
Last UpdatedMay 17, 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 Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As; Minimum loan amount $30,000
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
35 Main St, South Bound Brook, NJ, 08880
New Car Loans
5.99%
7 years
▼
APR5.99%
Term7 years
Last UpdatedMay 17, 2026
Details
As Low As; 10% down payment
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
774 Alexander Rd, Princeton, NJ, 08540 6305
New Automobile Loan 2026 (new)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Used Auto 2023-2021
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
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 UpdatedMay 20, 2026
Details
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 UpdatedMay 20, 2026
Details
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
▼
APR5.99%
Term72 - 83
Last UpdatedMay 20, 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)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
New Auto Loans
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 17, 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
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMay 17, 2026
Details
61-72 Months
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%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMay 17, 2026
Details
Up to 36 Months
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
New Auto
6.05%
7 Months
▼
APR6.05%
Term7 Months
Last UpdatedMay 21, 2026
Details
As Low As
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Vehicle Loan
6.10%
72 months
▼
APR6.10%
Term72 months
Last UpdatedMay 17, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
New Auto
6.18%
84 months
▼
APR6.18%
Term84 months
Last UpdatedMay 21, 2026
Details
As Low As
GAF Linden Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.11%
1 Campus Dr, Parsippany, NJ, 07054 4404
USED Automobile
6.20%
60 Months
▼
APR6.20%
Term60 Months
Last UpdatedMay 17, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
6.20%
72 Months
▼
APR6.20%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
New Auto Loans
6.24%
36 Months
▼
APR6.24%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Used Auto Loans
6.24%
24 Months
▼
APR6.24%
Term24 Months
Last UpdatedMay 17, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
Used Cars
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Powered by
MonitorBankRates
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%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 36 Months
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
▼
APR3.49%
TermUp to 36
Last UpdatedMay 17, 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
▼
APR3.50%
TermUp to 60 months
Last UpdatedMay 21, 2026
Details
As Low As; Auto Pay
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
225 E State St, Trenton, NJ, 08608 1800
New Auto Loans
3.59%
24 to 84
▼
APR3.59%
Term24 to 84
Last UpdatedMay 20, 2026
Details
As Low As; .25% discount if payroll deducted; Rate is determined by credit risk score.
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%
72 Months
▼
APR3.75%
Term72 Months
Last UpdatedMay 17, 2026
Details
Up to 72 months*
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 Months
▼
APR3.99%
Term3 Months
Last UpdatedMay 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 17, 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)
3.99%
Up to 24 Months
▼
APR3.99%
TermUp to 24 Months
Last UpdatedMay 17, 2026
Details
As Low As; Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 21, 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
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.00%
Up to 24 months
▼
APR4.00%
TermUp to 24 months
Last UpdatedMay 17, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles Loan
4.00%
Up to 60 months
▼
APR4.00%
TermUp to 60 months
Last UpdatedMay 21, 2026
Details
As Low As; Regular
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
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 UpdatedMay 17, 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%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 60 months
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)
4.13%
25 to 36 Months
▼
APR4.13%
Term25 to 36 Months
Last UpdatedMay 17, 2026
Details
As Low As; Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.15%
Up to 36 months
▼
APR4.15%
TermUp to 36 months
Last UpdatedMay 17, 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
4.24%
6 - 35
▼
APR4.24%
Term6 - 35
Last UpdatedMay 20, 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 UpdatedMay 17, 2026
Details
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
19 Fenwick St, Newark, NJ, 07114
New Auto Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.30%
Up to 48 months
▼
APR4.30%
TermUp to 48 months
Last UpdatedMay 17, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
New Auto
4.35%
2 Months
▼
APR4.35%
Term2 Months
Last UpdatedMay 21, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only)
4.38%
37 to 48 Months
▼
APR4.38%
Term37 to 48 Months
Last UpdatedMay 17, 2026
Details
As Low As; Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car
4.39%
60 Months
▼
APR4.39%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.45%
Up to 60 months
▼
APR4.45%
TermUp to 60 months
Last UpdatedMay 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 17, 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
4.49%
Up to 36
▼
APR4.49%
TermUp to 36
Last UpdatedMay 17, 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
▼
APR4.49%
Term36 - 47
Last UpdatedMay 20, 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 UpdatedMay 17, 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
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 17, 2026
Details
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 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedMay 17, 2026
Details
As Low As; 10% down payment
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
▼
APR4.50%
TermUp to 72 months
Last UpdatedMay 21, 2026
Details
As Low As; Regular
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 UpdatedMay 21, 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 UpdatedMay 17, 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
New Auto
4.60%
3 Months
▼
APR4.60%
Term3 Months
Last UpdatedMay 21, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only)
4.63%
49 to 66 Months
▼
APR4.63%
Term49 to 66 Months
Last UpdatedMay 17, 2026
Details
As Low As; Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMay 21, 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%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.74%
48 - 59
▼
APR4.74%
Term48 - 59
Last UpdatedMay 20, 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 UpdatedMay 17, 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 UpdatedMay 17, 2026
Details
As Low As
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
19 Fenwick St, Newark, NJ, 07114
New Auto Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 17, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
New Auto
4.85%
4 Months
▼
APR4.85%
Term4 Months
Last UpdatedMay 21, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only)
4.88%
67 to 72 Months
▼
APR4.88%
Term67 to 72 Months
Last UpdatedMay 17, 2026
Details
As Low As; Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
711 Union Blvd, Totowa, NJ, 07512 2207
New Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMay 17, 2026
Details
As Low As
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 UpdatedMay 7, 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 UpdatedMay 17, 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
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 17, 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
▼
APR4.99%
Term49-60
Last UpdatedMay 17, 2026
Details
As Low As
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
205 Cherry Hill Rd, Parsippany, NJ, 07054
New Autos-2026
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
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 UpdatedMay 20, 2026
Details
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
▼
APR4.99%
Term60 - 71
Last UpdatedMay 20, 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 UpdatedMay 21, 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
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 17, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
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%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 17, 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%
5 Months
▼
APR5.00%
Term5 Months
Last UpdatedMay 21, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles Loan
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedMay 21, 2026
Details
As Low As; Regular
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
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto Loan
5.24%
61-72
▼
APR5.24%
Term61-72
Last UpdatedMay 17, 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
▼
APR5.24%
Term72 - 84
Last UpdatedMay 20, 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
New Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; 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)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
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 UpdatedMay 21, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
New Auto
5.30%
6 Months
▼
APR5.30%
Term6 Months
Last UpdatedMay 21, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Auto Loans (New Vehicles only)
5.38%
73 to 84 Months
▼
APR5.38%
Term73 to 84 Months
Last UpdatedMay 17, 2026
Details
As Low As; Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car
5.39%
84 Months
▼
APR5.39%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
New Car Loans
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
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 UpdatedMay 20, 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
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 17, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
New Auto Loans
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
19 Fenwick St, Newark, NJ, 07114
New Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 17, 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%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMay 17, 2026
Details
Up to 36 Months
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 UpdatedMay 21, 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 UpdatedMay 21, 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
5.67%
84 Months
▼
APR5.67%
Term84 Months
Last UpdatedMay 21, 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 UpdatedMay 21, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
1 ADP Blvd, Roseland, NJ, 07068
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 17, 2026
Details
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
205 Cherry Hill Rd, Parsippany, NJ, 07054
New Autos-2026
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 17, 2026
Details
loans over $25,000; Special limitations apply on all terms and rates, please contact the credit union for more information.
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
19 Fenwick St, Newark, NJ, 07114
New Auto Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 17, 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%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 17, 2026
Details
37-60 Months
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 UpdatedMay 21, 2026
Details
GAF Linden Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.11%
1 Campus Dr, Parsippany, NJ, 07054 4404
NEW Automobile
5.90%
60 Months
▼
APR5.90%
Term60 Months
Last UpdatedMay 17, 2026
Details
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 UpdatedMay 17, 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%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
New Car Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 17, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 17, 2026
Details
With credit score of 600 to 699
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
35 Main St, South Bound Brook, NJ, 08880
New Car Loans
5.99%
7 years
▼
APR5.99%
Term7 years
Last UpdatedMay 17, 2026
Details
As Low As; 10% down payment
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
774 Alexander Rd, Princeton, NJ, 08540 6305
New Automobile Loan 2026 (new)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 17, 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
5.99%
7 years
▼
APR5.99%
Term7 years
Last UpdatedMay 20, 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)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
New Auto Loans
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 17, 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
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMay 17, 2026
Details
61-72 Months
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
New Auto
6.05%
7 Months
▼
APR6.05%
Term7 Months
Last UpdatedMay 21, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
New Auto
6.18%
84 months
▼
APR6.18%
Term84 months
Last UpdatedMay 21, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
New Auto Loans
6.24%
36 Months
▼
APR6.24%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As
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MonitorBankRates
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
Used Auto
3.84%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 36 Months
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 Months
▼
APR3.99%
Term3 Months
Last UpdatedMay 17, 2026
Details
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 UpdatedMay 17, 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 UpdatedMay 17, 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 UpdatedMay 17, 2026
Details
As Low As
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
225 E State St, Trenton, NJ, 08608 1800
Used Auto Loans
4.34%
24 to 84 Month
▼
APR4.34%
Term24 to 84 Month
Last UpdatedMay 20, 2026
Details
As Low As; .25% discount if payroll deducted; Rate is determined by credit risk score.; Additional Savings of .25% if Payroll Deducted; 30% down for lowest rate
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 UpdatedMay 17, 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
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loan
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedMay 17, 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
Used Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 17, 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 UpdatedMay 17, 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
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.55%
Up to 48 months
▼
APR4.55%
TermUp to 48 months
Last UpdatedMay 17, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
614 Frelinghuysen Ave Fl 1, Newark, NJ, 07114
Used Auto
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 60 months
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 UpdatedMay 21, 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%
2 Months
▼
APR4.60%
Term2 Months
Last UpdatedMay 21, 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
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.70%
Up to 60 months
▼
APR4.70%
TermUp to 60 months
Last UpdatedMay 17, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 17, 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
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 17, 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 UpdatedMay 17, 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 UpdatedMay 17, 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
4.85%
3 Months
▼
APR4.85%
Term3 Months
Last UpdatedMay 21, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
711 Union Blvd, Totowa, NJ, 07512 2207
Used Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMay 17, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedMay 21, 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 UpdatedMay 17, 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
Used Cars
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 17, 2026
Details
2019 & Newer
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 17, 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
Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 17, 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
▼
APR4.99%
Term6 - 35
Last UpdatedMay 20, 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
5.00%
42 Months
▼
APR5.00%
Term42 Months
Last UpdatedMay 17, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Older or High Mileage Used Auto
5.00%
3 Months
▼
APR5.00%
Term3 Months
Last UpdatedMay 17, 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 Model years 2018 and older
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 17, 2026
Details
48 months max. term**
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 Model years 2019 - 2021
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 17, 2026
Details
Up to 60 months*
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 Model years 2022 - 2025
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 17, 2026
Details
Up to 72 months*
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.00%
4 Months
▼
APR5.00%
Term4 Months
Last UpdatedMay 21, 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
5.04%
60 Months
▼
APR5.04%
Term60 Months
Last UpdatedMay 21, 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
5.14%
72 Months
▼
APR5.14%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.20%
5 Months
▼
APR5.20%
Term5 Months
Last UpdatedMay 21, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.24%
36 - 47
▼
APR5.24%
Term36 - 47
Last UpdatedMay 20, 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 Months
▼
APR5.25%
Term4 Months
Last UpdatedMay 17, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 17, 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
Used Auto Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; NJ vehicles only.
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%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
Used Car Loans
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 17, 2026
Details
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 17, 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
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Used Auto 2025 & 2024
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.49%
48 - 59
▼
APR5.49%
Term48 - 59
Last UpdatedMay 20, 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
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 17, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Older or High Mileage Used Auto
5.50%
5 Months
▼
APR5.50%
Term5 Months
Last UpdatedMay 17, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Used Vehicle (car, truck, van)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
35 Main St, South Bound Brook, NJ, 08880
Used Car Loans
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; 15% down payment
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.65%
6 Months
▼
APR5.65%
Term6 Months
Last UpdatedMay 21, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Used Vehicle (car, truck, van)
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
1 ADP Blvd, Roseland, NJ, 07068
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 17, 2026
Details
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Used Auto 2023-2021
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Used Auto 2025 & 2024
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.74%
60 - 71
▼
APR5.74%
Term60 - 71
Last UpdatedMay 20, 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)
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
Pre-Owned Auto Loan (60 months)
5.88%
60 Months
▼
APR5.88%
Term60 Months
Last UpdatedMay 21, 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
Pre-Owned Auto Loan (72 months)
5.88%
72 Months
▼
APR5.88%
Term72 Months
Last UpdatedMay 21, 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 UpdatedMay 6, 2026
Details
As Low As; NJ vehicles only.
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%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
Used Cars
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As; Minimum loan amount $30,000
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Used Auto 2023-2021
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
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 UpdatedMay 20, 2026
Details
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
▼
APR5.99%
Term72 - 83
Last UpdatedMay 20, 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%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMay 17, 2026
Details
Up to 36 Months
GAF Linden Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.11%
1 Campus Dr, Parsippany, NJ, 07054 4404
USED Automobile
6.20%
60 Months
▼
APR6.20%
Term60 Months
Last UpdatedMay 17, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
6.20%
72 Months
▼
APR6.20%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Used Auto Loans
6.24%
24 Months
▼
APR6.24%
Term24 Months
Last UpdatedMay 17, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
Used Cars
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMay 17, 2026
Details
With credit score of 700 and above
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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
5.754%
▼ 0.047 vs 7 days ago
New Jersey new auto rates fell 0.047 points over the past 7 days to 5.754% APR.
Used Auto Loan — NJ Avg
8.167%
▼ 0.129 vs 7 days ago
New Jersey used auto rates fell 0.129 points over the past 7 days to 8.167% APR.
As of May 22, 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:
- Baxter Credit Union: 3.24% (Auto Loans)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Wakefern Federal Credit Union: 3.49% (New Car Loans)
- Deepwater Industries Federal Credit Union: 3.50% (New Vehicles Loan)
- New Jersey Law And Public Safety Credit Union: 3.59% (New Auto Loans)
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: May 21, 2026
Auto Loan Rates by City in New Jersey
Rate Assistant
MonitorBankRates.com · Live Data
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