Auto Loan Rates in Gibbsboro, New Jersey (NJ) for July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current auto loan rates in Gibbsboro, New Jersey include American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, Wakefern Federal Credit UnionWakefern Federal Credit UnionA+5.0 ★Texas Ratio: 0.05% offering New Car Loans at 3.49%, Hoboken School Employees Federal Credit UnionHoboken School Employees Federal Credit UnionA+5.0 ★Texas Ratio: 1.60% offering Auto Loans -- New or Used Under 3 years at 3.99%, Andrews Federal Credit UnionAndrews Federal Credit UnionA5.0 ★Texas Ratio: 11.23% offering New Auto Loan at 3.99%, United Teletech Financial Federal Credit UnionUnited Teletech Financial Federal Credit UnionA5.0 ★Texas Ratio: 6.57% offering Auto Loans (New Vehicles only) - Up to 24 Months at 3.99%. Auto loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Gibbsboro borrowers have access to 29 lenders serving the New Jersey area, with auto loan rates as low as 3.34% APR from American Airlines Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Gibbsboro, New Jersey. Auto Loan Rates Last Updated and Verified: July 25, 2026
Compare Auto Loan Rates Today in Gibbsboro, New Jersey & Surrounding Area
Gibbsboro Auto Loan Rates
As Low As
As Low As
As Low As
Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR.
As Low As; 0.50% discount on new, used, lease buyout and auto refinance loans. Up to $400 Credit at Closing for New & Refinanced Cars. $200 Credit to help offset insurance costs. $200 Credit with the purchase of GAP Insurance. Example monthly payment for a $20,000 loan at 3.99% for 48 months would be $452.26. Financing available up to 96 months on a new vehicle and 84 months on a used, lease buyout, auto refinance, or recreational vehicles. Vehicle retail value must be $5,000 or greater. Auto Refinance available on cars not currently financed at Proponent. Financing not available for vehicles with a branded title or purchased from an auto auction or broker. Other restrictions may apply. Rate and terms subject to change. Up to 100% financing available, based on NADA "retail" value. Restrictions apply on financing a vehicle with a Loan to Value over 100%. Offer expires 07/31/2026.
As Low As; Application Fee: $40.00
Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR.
As Low As; Application Fee: $40.00
As Low As
As Low As; Application Fee: $40.00
As Low As; Application Fee: $40.00
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR.
As Low As; Application Fee: $40.00
As Low As; Application Fee: $40.00
As Low As
As Low As
As Low As; with Direct Deposit
As Low As
As Low As*
5%-40% down payment
As Low As; Application Fee: $40.00
As Low As
As Low As; Application Fee: $40.00
As Low As
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR.
As Low As
As Low As; Application Fee: $40.00
As Low As
As Low As;*
As Low As*
As Low As; Application Fee: $40.00
As Low As; Application Fee: $40.00
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR.
As Low As; with Direct Deposit
As Low As
As Low As
As Low As
As Low As
As Low As; Minimum loan amount $30,000
As Low As; without Direct Deposit
As Low As
As Low As*
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As
As Low As
10%-40% down payment
As Low As
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As
As Low As
As Low As;*
As Low As
As Low As; NJ vehicles only.
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR.
As Low As; without Direct Deposit
As Low As
As Low As; NJ vehicles only.
As Low As; with Direct Deposit
As Low As*
As Low As
As Low As
As Low As
As Low As; [1]
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As
As Low As; [1]
As Low As
As Low As;*
As Low As; [1]
As Low As; with Direct Deposit
$0 Minimum $60,000 Maximum 10 payments a year or 12 payments a year
As Low As;*
As Low As
As Low As; NJ vehicles only.
Minimum loan amount $30,000
As Low As; without Direct Deposit
As Low As
As Low As
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As; [1]
As Low As
As Low As;*
Rates as low as*
As Low As; NJ vehicles only.
As Low As; [1]
As Low As; without Direct Deposit
Monthly payment for each $1,000 borrowed: $44.54 (New/Used)
Rates as low as*
As Low As
Model Year: 2026
As Low As
As Low As
As Low As
As Low As
As Low As;*
Model Year: 2026
As Low As; NJ vehicles only.
As Low As; [1]
$0 Minimum $50,000 Maximum 100% of NADA Retail Value
Monthly payment for each $1,000 borrowed: $30.87 (New/Used)
Rates as low as*
Model Year: 2026
As Low As; NJ vehicles only.
As Low As; NJ vehicles only.
As Low As*
As Low As;*
Monthly payment for each $1,000 borrowed: $24.17 (New/Used)
Rates as low as*
As Low As; NJ vehicles only.
As Low As;*
Model Years: 2020-2025
$0 Minimum $45,000 Maximum 100% of NADA Retail Value
Monthly payment for each $1,000 borrowed: $20.27 (New/Used)
Rates as low as*
As Low As; Maximum Loan: $75,000
Monthly payment for each $1,000 borrowed: $17.77 (New/Used)
As Low As; Maximum Loan: $75,000
As Low As; Maximum Loan: $75,000
Gibbsboro New Auto Auto Loan Rates
As Low As
As Low As
As Low As
Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR.
As Low As; Application Fee: $40.00
Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR.
As Low As; Application Fee: $40.00
As Low As
As Low As; Application Fee: $40.00
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR.
As Low As; Application Fee: $40.00
As Low As
As Low As
As Low As; with Direct Deposit
As Low As
5%-40% down payment
As Low As
As Low As; Application Fee: $40.00
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR.
As Low As
As Low As
As Low As;*
As Low As; Application Fee: $40.00
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR.
As Low As; with Direct Deposit
As Low As
As Low As
As Low As; Minimum loan amount $30,000
As Low As; without Direct Deposit
As Low As
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As
As Low As
As Low As;*
As Low As
As Low As; NJ vehicles only.
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR.
As Low As; without Direct Deposit
As Low As; with Direct Deposit
As Low As
As Low As
As Low As; [1]
As Low As
As Low As; [1]
As Low As;*
As Low As; with Direct Deposit
$0 Minimum $60,000 Maximum 10 payments a year or 12 payments a year
As Low As;*
As Low As; without Direct Deposit
As Low As
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As; [1]
As Low As;*
As Low As; NJ vehicles only.
As Low As; without Direct Deposit
As Low As
As Low As
As Low As;*
As Low As; [1]
As Low As; NJ vehicles only.
As Low As;*
As Low As;*
Gibbsboro Used Auto Auto Loan Rates
As Low As; Application Fee: $40.00
As Low As; Application Fee: $40.00
As Low As*
As Low As; Application Fee: $40.00
As Low As
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As; Application Fee: $40.00
As Low As*
As Low As; Application Fee: $40.00
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As
As Low As
As Low As*
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As
10%-40% down payment
As Low As
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As
As Low As
As Low As; NJ vehicles only.
As Low As*
As Low As
As Low As; 100% Purchase Price. Rates include 0.25% reduction for automatic payments made from your Motion account.
As Low As
As Low As; [1]
As Low As
As Low As; NJ vehicles only.
Minimum loan amount $30,000
As Low As
As Low As
Rates as low as*
As Low As; [1]
Rates as low as*
As Low As
As Low As
As Low As
As Low As; NJ vehicles only.
$0 Minimum $50,000 Maximum 100% of NADA Retail Value
Rates as low as*
As Low As; NJ vehicles only.
As Low As*
Rates as low as*
As Low As; NJ vehicles only.
$0 Minimum $45,000 Maximum 100% of NADA Retail Value
Rates as low as*
As Low As; Maximum Loan: $75,000
As Low As; Maximum Loan: $75,000
As Low As; Maximum Loan: $75,000
Gibbsboro, NJ Auto Loan Rate Trends
Compare local Gibbsboro, NJ auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Jersey new auto rates fell 0.017 points over the past 7 days to 5.690% APR.
New Jersey used auto rates fell 0.019 points over the past 7 days to 8.283% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Gibbsboro, 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 Gibbsboro, 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 Gibbsboro, 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 Gibbsboro, New Jersey
How does my credit score affect my car loan rate in New Jersey?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Gibbsboro, New Jersey?
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Wakefern Federal Credit Union: 3.49% (New Car Loans)
- Hoboken School Employees Federal Credit Union: 3.99% (Auto Loans -- New or Used Under 3 years)
- Andrews Federal Credit Union: 3.99% (New Auto Loan)
- United Teletech Financial Federal Credit Union: 3.99% (Auto Loans (New Vehicles only) - Up to 24 Months)
Gibbsboro, New Jersey Rates & Resources
