Auto Loan Rates in Montclair, New Jersey (NJ) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Montclair, New Jersey. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Montclair, New Jersey include Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, Wakefern Federal Credit UnionWakefern Federal Credit UnionA+5.0 ★Texas Ratio: 0.05% offering New Car Loans at 3.49%, Deepwater Industries Federal Credit UnionDeepwater Industries Federal Credit UnionA+5.0 ★Texas Ratio: 2.02% offering New Vehicles at 3.50%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.63% offering New Auto at 3.74%, Atlantic City Electric Co Emp Federal Credit UnionAtlantic City Electric Co Emp Federal Credit UnionA+5.0 ★Texas Ratio: 5.71% offering New Auto Loan at 3.75%. Auto loan rates as of May 10, 2026 according to verified data from MonitorBankRates.
Montclair borrowers have access to 39 lenders serving the New Jersey area, with auto loan rates as low as 3.24% APR from Baxter 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 Montclair, New Jersey. Auto Loan Rates Last Updated and Verified: May 10, 2026
Compare Auto Loan Rates Today in Montclair, New Jersey & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Car Loans
3.49%
Up to 36
▼
APR3.49%
TermUp to 36
Last UpdatedMay 7, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Vehicles
3.50%
Up to 60
▼
APR3.50%
TermUp to 60
Last UpdatedMay 6, 2026
Details
As Low As; Auto Pay
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
New Auto Loan
3.75%
Up to 72 months*
▼
APR3.75%
TermUp to 72 months*
Last UpdatedMay 6, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Auto Loans -- New or Used Under 3 years
3.99%
3 Months
▼
APR3.99%
Term3 Months
Last UpdatedMay 6, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
New Cars
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
With credit score of 700 and above
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Car Loans
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
Auto Loans (New Vehicles only)
3.99%
Up to 24 Months
▼
APR3.99%
TermUp to 24 Months
Last UpdatedMay 7, 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.
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Vehicles
4.00%
Up to 60
▼
APR4.00%
TermUp to 60
Last UpdatedMay 6, 2026
Details
As Low As; Regular
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
New Auto
4.00%
Up to 24 months
▼
APR4.00%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
Auto Loans (New Vehicles only)
4.13%
25 to 36 Months
▼
APR4.13%
Term25 to 36 Months
Last UpdatedMay 7, 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: 6.35%
New Auto
4.15%
Up to 36 months
▼
APR4.15%
TermUp to 36 months
Last UpdatedMay 6, 2026
Details
As Low As
APR4.24%
Term6 - 35
Last UpdatedMay 2, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 6, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
Used Autos
4.25%
Up to 24 months
▼
APR4.25%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details
As Low As
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
New Auto Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 7, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
New Auto
4.30%
Up to 48 months
▼
APR4.30%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details
As Low As
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto Loans
4.34%
24 to 84 Month
▼
APR4.34%
Term24 to 84 Month
Last UpdatedApr 19, 2026
Details
As Low As; .25% discount if payroll deducted; Rate is determined by credit risk score.; Additional Savings of .25% if Payroll Deducted; 30% down for lowest rate
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
Auto Loans (New Vehicles only)
4.38%
37 to 48 Months
▼
APR4.38%
Term37 to 48 Months
Last UpdatedMay 7, 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: 6.83%
New Car
4.39%
60 Months
▼
APR4.39%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
Used Autos
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedMay 6, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
New Auto
4.45%
Up to 60 months
▼
APR4.45%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loans
4.49%
36 - 47
▼
APR4.49%
Term36 - 47
Last UpdatedMay 2, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Car Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Car Loan
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedMay 7, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Auto Loan
4.49%
Up to 36
▼
APR4.49%
TermUp to 36
Last UpdatedMay 7, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Used Auto Loan
4.49%
Up to 36
▼
APR4.49%
TermUp to 36
Last UpdatedMay 7, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Vehicles
4.50%
Up to 72
▼
APR4.50%
TermUp to 72
Last UpdatedMay 6, 2026
Details
As Low As; Regular
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
New Car Loans
4.50%
Up to 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedMay 7, 2026
Details
As Low As; 10% down payment
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Vehicle Loans Model Year 2024-2027
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 10, 2026
Details
Up to $65,000
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
Used Autos
4.55%
Up to 48 months
▼
APR4.55%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.60%
36 Months
▼
APR4.60%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
New Auto
4.60%
Up to 72 months
▼
APR4.60%
TermUp to 72 months
Last UpdatedMay 6, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
Auto Loans (New Vehicles only)
4.63%
49 to 66 Months
▼
APR4.63%
Term49 to 66 Months
Last UpdatedMay 7, 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: 6.83%
Pre-Owned
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
Used Autos
4.70%
Up to 60 months
▼
APR4.70%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loans
4.74%
48 - 59
▼
APR4.74%
Term48 - 59
Last UpdatedMay 2, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 6, 2026
Details
2013 & Newer
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Leasing Alternative Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Used Auto Loan
4.74%
37-48
▼
APR4.74%
Term37-48
Last UpdatedMay 7, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 6, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
New Auto
4.75%
Up to 84 months
▼
APR4.75%
TermUp to 84 months
Last UpdatedMay 6, 2026
Details
As Low As
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
New Auto Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 7, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
Used Autos
4.85%
Up to 72 months
▼
APR4.85%
TermUp to 72 months
Last UpdatedMay 6, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
Auto Loans (New Vehicles only)
4.88%
67 to 72 Months
▼
APR4.88%
Term67 to 72 Months
Last UpdatedMay 7, 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: 6.83%
New Car
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMay 6, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
Used Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMay 6, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
APR4.99%
Term4 years
Last UpdatedMay 2, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loans
4.99%
60 - 71
▼
APR4.99%
Term60 - 71
Last UpdatedMay 2, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle Loans
4.99%
6 - 35
▼
APR4.99%
Term6 - 35
Last UpdatedMay 2, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMay 4, 2026
Details
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW CAR LOANS
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
USED CAR LOANS
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
New Cars
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
With credit score of 700 and above
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
Used Cars
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
With credit score of 700 and above
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
2019 & Newer
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Auto Loan
4.99%
Up to 63
▼
APR4.99%
TermUp to 63
Last UpdatedMay 6, 2026
Details
As Low As
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
Auto Loan - New
4.99%
36-Months
▼
APR4.99%
Term36-Months
Last UpdatedMay 7, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Car Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; Minimum loan amount $30,000
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Car Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
New Autos-2026
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Auto Loan
4.99%
49-60
▼
APR4.99%
Term49-60
Last UpdatedMay 7, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Used Auto Loan
4.99%
49-60
▼
APR4.99%
Term49-60
Last UpdatedMay 7, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Vehicles
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; Regular
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
5.00%
42 Months
▼
APR5.00%
Term42 Months
Last UpdatedMay 6, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Older or High Mileage Used Auto
5.00%
3 Months
▼
APR5.00%
Term3 Months
Last UpdatedMay 6, 2026
Details
As Low As
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Used Auto Loans Model years 2018 and older
5.00%
48 months max. term**
▼
APR5.00%
Term48 months max. term**
Last UpdatedMay 6, 2026
Details
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Used Auto Loans Model years 2019 - 2021
5.00%
Up to 60 months*
▼
APR5.00%
TermUp to 60 months*
Last UpdatedMay 6, 2026
Details
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Used Auto Loans Model years 2022 - 2025
5.00%
Up to 72 months*
▼
APR5.00%
TermUp to 72 months*
Last UpdatedMay 6, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New Auto Loans
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Vehicle Loans Model Year 2024-2027
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 10, 2026
Details
Up to $65,000
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
5.04%
60 Months
▼
APR5.04%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
Pre-Owned
5.14%
72 Months
▼
APR5.14%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loans
5.24%
72 - 84
▼
APR5.24%
Term72 - 84
Last UpdatedMay 2, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle Loans
5.24%
36 - 47
▼
APR5.24%
Term36 - 47
Last UpdatedMay 2, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
New Cars
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 6, 2026
Details
With credit score of 700 and above
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Auto Loan
5.24%
64 to 75
▼
APR5.24%
Term64 to 75
Last UpdatedMay 6, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Leasing Alternative Auto Loan
5.24%
37-48 Months
▼
APR5.24%
Term37-48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Auto Loan
5.24%
61-72
▼
APR5.24%
Term61-72
Last UpdatedMay 7, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMay 4, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Older or High Mileage Used Auto
5.25%
4 Months
▼
APR5.25%
Term4 Months
Last UpdatedMay 6, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto Loans
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 6, 2026
Details
2022 & Newer
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
New Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; NJ vehicles only.
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Vehicle Loan
5.35%
24 months
▼
APR5.35%
Term24 months
Last UpdatedMay 6, 2026
Details
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
Auto Loans (New Vehicles only)
5.38%
73 to 84 Months
▼
APR5.38%
Term73 to 84 Months
Last UpdatedMay 7, 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: 6.83%
New Car
5.39%
84 Months
▼
APR5.39%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
APR5.49%
Term6 years
Last UpdatedMay 2, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle Loans
5.49%
48 - 59
▼
APR5.49%
Term48 - 59
Last UpdatedMay 2, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW CAR LOANS
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 6, 2026
Details
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
USED CAR LOANS
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 6, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
New Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
With credit score of 700 and above
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; NJ vehicles only.
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Car Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
Used Auto 2025 & 2024
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Used Auto Loan
5.49%
61-72
▼
APR5.49%
Term61-72
Last UpdatedMay 7, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Older or High Mileage Used Auto
5.50%
5 Months
▼
APR5.50%
Term5 Months
Last UpdatedMay 6, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
Used Vehicle (car, truck, van)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New Auto Loans
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
Used Car Loans
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; 15% down payment
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
New Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 7, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
New Car Loan
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMay 7, 2026
Details
Up to 36 Months
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
5.52%
72 Months
▼
APR5.52%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
New Auto
5.53%
60 Months
▼
APR5.53%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Vehicle Loan
5.60%
48 months
▼
APR5.60%
Term48 months
Last UpdatedMay 6, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
5.67%
84 Months
▼
APR5.67%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
New Auto
5.68%
72 Months
▼
APR5.68%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle Loans
5.74%
60 - 71
▼
APR5.74%
Term60 - 71
Last UpdatedMay 2, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
Used Vehicle (car, truck, van)
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
New Autos-2026
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 7, 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: 4.77%
Used Auto 2023-2021
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
Used Auto 2025 & 2024
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Leasing Alternative Auto Loan
5.74%
49-60 Months
▼
APR5.74%
Term49-60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Auto Loan
5.75%
6yrs - 700 and above credit score
▼
APR5.75%
Term6yrs - 700 and above credit score
Last UpdatedMay 4, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
Used Vehicle (car, truck, van)
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 6, 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: 1.44%
New Auto Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 7, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
New Car Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 7, 2026
Details
37-60 Months
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Vehicle Loans Model Year 2021-2023
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedMay 10, 2026
Details
Up to $40,000
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Vehicle Loans Model Year 2024-2027
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 10, 2026
Details
Up to $65,000
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Vehicle Loan
5.85%
60 months
▼
APR5.85%
Term60 months
Last UpdatedMay 6, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
Pre-Owned Auto Loan (60 months)
5.88%
60 Months
▼
APR5.88%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As; Maximum Loan Amount: $100,000
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
Pre-Owned Auto Loan (72 months)
5.88%
72 Months
▼
APR5.88%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As; Maximum Loan Amount: $100,000
GAF Linden Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.11%
NEW Automobile
5.90%
60 Months
▼
APR5.90%
Term60 Months
Last UpdatedMay 6, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
New Car
5.95%
up to 84 Months
▼
APR5.95%
Termup to 84 Months
Last UpdatedMay 2, 2026
Details
$0 Minimum $60,000 Maximum 10 payments a year or 12 payments a year
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
APR5.99%
Term7 years
Last UpdatedMay 2, 2026
Details
APR5.99%
Term3 years
Last UpdatedMay 2, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle Loans
5.99%
72 - 83
▼
APR5.99%
Term72 - 83
Last UpdatedMay 2, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Auto Loans
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedMay 5, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW CAR LOANS
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
New Cars
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
With credit score of 600 to 699
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
Used Cars
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
With credit score of 700 and above
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Auto Loan
5.99%
76 - 84
▼
APR5.99%
Term76 - 84
Last UpdatedMay 6, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; NJ vehicles only.
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Car Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; Minimum loan amount $30,000
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
New Car Loans
5.99%
7 years
▼
APR5.99%
Term7 years
Last UpdatedMay 7, 2026
Details
As Low As; 10% down payment
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
Used Auto 2023-2021
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Auto Loan
6.00%
6yrs - 651-699 credit score
▼
APR6.00%
Term6yrs - 651-699 credit score
Last UpdatedMay 4, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New Auto Loans
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
New Car Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMay 7, 2026
Details
61-72 Months
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
Used Car Loan (2022-2025)
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMay 7, 2026
Details
Up to 36 Months
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Vehicle Loan
6.10%
72 months
▼
APR6.10%
Term72 months
Last UpdatedMay 6, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
New Auto
6.18%
84 Months
▼
APR6.18%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
6.20%
72 Months
▼
APR6.20%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
GAF Linden Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.11%
USED Automobile
6.20%
60 Months
▼
APR6.20%
Term60 Months
Last UpdatedMay 6, 2026
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Auto Loans
6.24%
36 Months
▼
APR6.24%
Term36 Months
Last UpdatedMay 5, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Used Auto Loans
6.24%
24 Months
▼
APR6.24%
Term24 Months
Last UpdatedMay 5, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
Used Cars
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMay 6, 2026
Details
With credit score of 700 and above
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
Used Auto 2023-2021
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
Used Auto 2025 & 2024
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Auto Loan
6.25%
6yrs - 650 and under credit score
▼
APR6.25%
Term6yrs - 650 and under credit score
Last UpdatedMay 4, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: Used Vehicle
6.25%
5 Years
▼
APR6.25%
Term5 Years
Last UpdatedMay 4, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New Only 84 Months
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 6, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
New Auto Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; NJ vehicles only.
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
New Auto Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 7, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
New Car Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 7, 2026
Details
73-84 Months
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
Used Car Loan (2022-2025)
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 7, 2026
Details
37-60 Months
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Vehicle Loans Model Year 2021-2023
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 10, 2026
Details
Up to $40,000
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
Pre-Owned Auto Loan (84 months)
6.33%
84 Months
▼
APR6.33%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As; Maximum Loan Amount: $100,000
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Vehicle Loan
6.35%
84 months
▼
APR6.35%
Term84 months
Last UpdatedMay 6, 2026
Details
APR6.49%
Term5 Years
Last UpdatedMay 2, 2026
Details
APR6.49%
Term84 -
Last UpdatedMay 2, 2026
Details
As Low As
Pennsville National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
Auto Loans
6.49%
24 Months
▼
APR6.49%
Term24 Months
Last UpdatedMay 5, 2026
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Used Auto Loans
6.49%
36 Months
▼
APR6.49%
Term36 Months
Last UpdatedMay 5, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW CAR LOANS
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
Used Cars
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
With credit score of 700 and above
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Auto Loan
6.49%
73-84
▼
APR6.49%
Term73-84
Last UpdatedMay 7, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
Used Vehicle (car, truck, van)
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
Used Car Loan (2022-2025)
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMay 7, 2026
Details
61-72 Months
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
6.60%
84 Months
▼
APR6.60%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Auto Loans
6.74%
48 Months
▼
APR6.74%
Term48 Months
Last UpdatedMay 5, 2026
Details
As Low As
Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Used Auto Loan
6.75%
5yrs - 700 and over credit score
▼
APR6.75%
Term5yrs - 700 and over credit score
Last UpdatedMay 4, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
6.79%
60 Months
▼
APR6.79%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; NJ vehicles only.
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
New Auto
6.83%
96 Months
▼
APR6.83%
Term96 Months
Last UpdatedMay 4, 2026
Details
As Low As
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
Used Car:2025,2024,2023,2022
6.95%
up to 72 Months
▼
APR6.95%
Termup to 72 Months
Last UpdatedMay 2, 2026
Details
$0 Minimum $50,000 Maximum 100% of NADA Retail Value
Pennsville National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
Auto Loans
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedMay 5, 2026
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Used Auto Loans
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedMay 5, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
New Cars
6.99%
60 Months
▼
APR6.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
With credit score of 600 to 699
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
Used Cars
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
With credit score of 600 to 699
Federal Employees Newark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Cars
6.99%
3 years
▼
APR6.99%
Term3 years
Last UpdatedMay 6, 2026
Details
As Low As; FINANCING UP TO 100%
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Car Loans
3.49%
Up to 36
▼
APR3.49%
TermUp to 36
Last UpdatedMay 7, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Vehicles
3.50%
Up to 60
▼
APR3.50%
TermUp to 60
Last UpdatedMay 6, 2026
Details
As Low As; Auto Pay
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
New Auto Loan
3.75%
Up to 72 months*
▼
APR3.75%
TermUp to 72 months*
Last UpdatedMay 6, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Auto Loans -- New or Used Under 3 years
3.99%
3 Months
▼
APR3.99%
Term3 Months
Last UpdatedMay 6, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
New Cars
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
With credit score of 700 and above
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Car Loans
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
Auto Loans (New Vehicles only)
3.99%
Up to 24 Months
▼
APR3.99%
TermUp to 24 Months
Last UpdatedMay 7, 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.
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Vehicles
4.00%
Up to 60
▼
APR4.00%
TermUp to 60
Last UpdatedMay 6, 2026
Details
As Low As; Regular
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
New Auto
4.00%
Up to 24 months
▼
APR4.00%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
Auto Loans (New Vehicles only)
4.13%
25 to 36 Months
▼
APR4.13%
Term25 to 36 Months
Last UpdatedMay 7, 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: 6.35%
New Auto
4.15%
Up to 36 months
▼
APR4.15%
TermUp to 36 months
Last UpdatedMay 6, 2026
Details
As Low As
APR4.24%
Term6 - 35
Last UpdatedMay 2, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 6, 2026
Details
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
New Auto Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 7, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
New Auto
4.30%
Up to 48 months
▼
APR4.30%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
Auto Loans (New Vehicles only)
4.38%
37 to 48 Months
▼
APR4.38%
Term37 to 48 Months
Last UpdatedMay 7, 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: 6.83%
New Car
4.39%
60 Months
▼
APR4.39%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
New Auto
4.45%
Up to 60 months
▼
APR4.45%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loans
4.49%
36 - 47
▼
APR4.49%
Term36 - 47
Last UpdatedMay 2, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Car Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Auto Loan
4.49%
Up to 36
▼
APR4.49%
TermUp to 36
Last UpdatedMay 7, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Vehicles
4.50%
Up to 72
▼
APR4.50%
TermUp to 72
Last UpdatedMay 6, 2026
Details
As Low As; Regular
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
New Car Loans
4.50%
Up to 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedMay 7, 2026
Details
As Low As; 10% down payment
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
New Auto
4.60%
Up to 72 months
▼
APR4.60%
TermUp to 72 months
Last UpdatedMay 6, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
Auto Loans (New Vehicles only)
4.63%
49 to 66 Months
▼
APR4.63%
Term49 to 66 Months
Last UpdatedMay 7, 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: 11.92%
New Auto Loan
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loans
4.74%
48 - 59
▼
APR4.74%
Term48 - 59
Last UpdatedMay 2, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 6, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
New Auto
4.75%
Up to 84 months
▼
APR4.75%
TermUp to 84 months
Last UpdatedMay 6, 2026
Details
As Low As
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
New Auto Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 7, 2026
Details
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
Auto Loans (New Vehicles only)
4.88%
67 to 72 Months
▼
APR4.88%
Term67 to 72 Months
Last UpdatedMay 7, 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: 6.83%
New Car
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMay 6, 2026
Details
As Low As
APR4.99%
Term4 years
Last UpdatedMay 2, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loans
4.99%
60 - 71
▼
APR4.99%
Term60 - 71
Last UpdatedMay 2, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMay 4, 2026
Details
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW CAR LOANS
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
New Cars
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
With credit score of 700 and above
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
Auto Loan - New
4.99%
36-Months
▼
APR4.99%
Term36-Months
Last UpdatedMay 7, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Car Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; Minimum loan amount $30,000
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
New Autos-2026
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Auto Loan
4.99%
49-60
▼
APR4.99%
Term49-60
Last UpdatedMay 7, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Vehicles
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; Regular
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New Auto Loans
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loans
5.24%
72 - 84
▼
APR5.24%
Term72 - 84
Last UpdatedMay 2, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
New Cars
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 6, 2026
Details
With credit score of 700 and above
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Auto Loan
5.24%
61-72
▼
APR5.24%
Term61-72
Last UpdatedMay 7, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMay 4, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
New Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; NJ vehicles only.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
Auto Loans (New Vehicles only)
5.38%
73 to 84 Months
▼
APR5.38%
Term73 to 84 Months
Last UpdatedMay 7, 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: 6.83%
New Car
5.39%
84 Months
▼
APR5.39%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
APR5.49%
Term6 years
Last UpdatedMay 2, 2026
Details
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW CAR LOANS
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 6, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
New Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
With credit score of 700 and above
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New Auto Loans
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
New Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 7, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
New Car Loan
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMay 7, 2026
Details
Up to 36 Months
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
5.52%
72 Months
▼
APR5.52%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
New Auto
5.53%
60 Months
▼
APR5.53%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
5.67%
84 Months
▼
APR5.67%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
New Auto
5.68%
72 Months
▼
APR5.68%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
New Autos-2026
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 7, 2026
Details
loans over $25,000; Special limitations apply on all terms and rates, please contact the credit union for more information.
Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Auto Loan
5.75%
6yrs - 700 and above credit score
▼
APR5.75%
Term6yrs - 700 and above credit score
Last UpdatedMay 4, 2026
Details
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
New Auto Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 7, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
New Car Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 7, 2026
Details
37-60 Months
GAF Linden Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.11%
NEW Automobile
5.90%
60 Months
▼
APR5.90%
Term60 Months
Last UpdatedMay 6, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
New Car
5.95%
up to 84 Months
▼
APR5.95%
Termup to 84 Months
Last UpdatedMay 2, 2026
Details
$0 Minimum $60,000 Maximum 10 payments a year or 12 payments a year
APR5.99%
Term7 years
Last UpdatedMay 2, 2026
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Auto Loans
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedMay 5, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW CAR LOANS
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
New Cars
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
With credit score of 600 to 699
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
New Car Loans
5.99%
7 years
▼
APR5.99%
Term7 years
Last UpdatedMay 7, 2026
Details
As Low As; 10% down payment
Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Auto Loan
6.00%
6yrs - 651-699 credit score
▼
APR6.00%
Term6yrs - 651-699 credit score
Last UpdatedMay 4, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New Auto Loans
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
New Car Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMay 7, 2026
Details
61-72 Months
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
New Auto
6.18%
84 Months
▼
APR6.18%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Auto Loans
6.24%
36 Months
▼
APR6.24%
Term36 Months
Last UpdatedMay 5, 2026
Details
As Low As
Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Auto Loan
6.25%
6yrs - 650 and under credit score
▼
APR6.25%
Term6yrs - 650 and under credit score
Last UpdatedMay 4, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New Only 84 Months
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 6, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
New Auto Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; NJ vehicles only.
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
New Auto Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 7, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
New Car Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 7, 2026
Details
73-84 Months
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW CAR LOANS
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Auto Loan
6.49%
73-84
▼
APR6.49%
Term73-84
Last UpdatedMay 7, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Auto Loans
6.74%
48 Months
▼
APR6.74%
Term48 Months
Last UpdatedMay 5, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
New Auto
6.83%
96 Months
▼
APR6.83%
Term96 Months
Last UpdatedMay 4, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
New Cars
6.99%
60 Months
▼
APR6.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
With credit score of 600 to 699
Federal Employees Newark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Cars
6.99%
3 years
▼
APR6.99%
Term3 years
Last UpdatedMay 6, 2026
Details
As Low As; FINANCING UP TO 100%
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Auto Loans -- New or Used Under 3 years
3.99%
3 Months
▼
APR3.99%
Term3 Months
Last UpdatedMay 6, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 6, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
Used Autos
4.25%
Up to 24 months
▼
APR4.25%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details
As Low As
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto Loans
4.34%
24 to 84 Month
▼
APR4.34%
Term24 to 84 Month
Last UpdatedApr 19, 2026
Details
As Low As; .25% discount if payroll deducted; Rate is determined by credit risk score.; Additional Savings of .25% if Payroll Deducted; 30% down for lowest rate
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
Used Autos
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedMay 6, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Car Loan
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedMay 7, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Used Auto Loan
4.49%
Up to 36
▼
APR4.49%
TermUp to 36
Last UpdatedMay 7, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
Used Autos
4.55%
Up to 48 months
▼
APR4.55%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.60%
36 Months
▼
APR4.60%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
Pre-Owned
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
Used Autos
4.70%
Up to 60 months
▼
APR4.70%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 6, 2026
Details
2013 & Newer
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Used Auto Loan
4.74%
37-48
▼
APR4.74%
Term37-48
Last UpdatedMay 7, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 6, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
Used Autos
4.85%
Up to 72 months
▼
APR4.85%
TermUp to 72 months
Last UpdatedMay 6, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
Used Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMay 6, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle Loans
4.99%
6 - 35
▼
APR4.99%
Term6 - 35
Last UpdatedMay 2, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
USED CAR LOANS
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
Used Cars
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
With credit score of 700 and above
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
2019 & Newer
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Car Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Used Auto Loan
4.99%
49-60
▼
APR4.99%
Term49-60
Last UpdatedMay 7, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
5.00%
42 Months
▼
APR5.00%
Term42 Months
Last UpdatedMay 6, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Older or High Mileage Used Auto
5.00%
3 Months
▼
APR5.00%
Term3 Months
Last UpdatedMay 6, 2026
Details
As Low As
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Used Auto Loans Model years 2018 and older
5.00%
48 months max. term**
▼
APR5.00%
Term48 months max. term**
Last UpdatedMay 6, 2026
Details
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Used Auto Loans Model years 2019 - 2021
5.00%
Up to 60 months*
▼
APR5.00%
TermUp to 60 months*
Last UpdatedMay 6, 2026
Details
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Used Auto Loans Model years 2022 - 2025
5.00%
Up to 72 months*
▼
APR5.00%
TermUp to 72 months*
Last UpdatedMay 6, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
5.04%
60 Months
▼
APR5.04%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
Pre-Owned
5.14%
72 Months
▼
APR5.14%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle Loans
5.24%
36 - 47
▼
APR5.24%
Term36 - 47
Last UpdatedMay 2, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Older or High Mileage Used Auto
5.25%
4 Months
▼
APR5.25%
Term4 Months
Last UpdatedMay 6, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto Loans
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 6, 2026
Details
2022 & Newer
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle Loans
5.49%
48 - 59
▼
APR5.49%
Term48 - 59
Last UpdatedMay 2, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
USED CAR LOANS
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 6, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; NJ vehicles only.
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Car Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
Used Auto 2025 & 2024
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Used Auto Loan
5.49%
61-72
▼
APR5.49%
Term61-72
Last UpdatedMay 7, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Older or High Mileage Used Auto
5.50%
5 Months
▼
APR5.50%
Term5 Months
Last UpdatedMay 6, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
Used Vehicle (car, truck, van)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
Used Car Loans
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; 15% down payment
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle Loans
5.74%
60 - 71
▼
APR5.74%
Term60 - 71
Last UpdatedMay 2, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
Used Vehicle (car, truck, van)
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
Used Auto 2023-2021
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
Used Auto 2025 & 2024
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
Used Vehicle (car, truck, van)
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 6, 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: 15.85%
Pre-Owned Auto Loan (60 months)
5.88%
60 Months
▼
APR5.88%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As; Maximum Loan Amount: $100,000
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
Pre-Owned Auto Loan (72 months)
5.88%
72 Months
▼
APR5.88%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As; Maximum Loan Amount: $100,000
APR5.99%
Term3 years
Last UpdatedMay 2, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle Loans
5.99%
72 - 83
▼
APR5.99%
Term72 - 83
Last UpdatedMay 2, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
Used Cars
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
With credit score of 700 and above
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; NJ vehicles only.
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Car Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; Minimum loan amount $30,000
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
Used Auto 2023-2021
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
Used Car Loan (2022-2025)
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMay 7, 2026
Details
Up to 36 Months
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
6.20%
72 Months
▼
APR6.20%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
GAF Linden Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.11%
USED Automobile
6.20%
60 Months
▼
APR6.20%
Term60 Months
Last UpdatedMay 6, 2026
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Used Auto Loans
6.24%
24 Months
▼
APR6.24%
Term24 Months
Last UpdatedMay 5, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
Used Cars
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMay 6, 2026
Details
With credit score of 700 and above
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
Used Auto 2023-2021
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
Used Auto 2025 & 2024
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; Special limitations apply on all terms and rates, please contact the credit union for more information.
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: Used Vehicle
6.25%
5 Years
▼
APR6.25%
Term5 Years
Last UpdatedMay 4, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
Used Car Loan (2022-2025)
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 7, 2026
Details
37-60 Months
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
Pre-Owned Auto Loan (84 months)
6.33%
84 Months
▼
APR6.33%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As; Maximum Loan Amount: $100,000
APR6.49%
Term5 Years
Last UpdatedMay 2, 2026
Details
APR6.49%
Term84 -
Last UpdatedMay 2, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Used Auto Loans
6.49%
36 Months
▼
APR6.49%
Term36 Months
Last UpdatedMay 5, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
Used Cars
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
With credit score of 700 and above
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
Used Vehicle (car, truck, van)
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; loan not to exceed J D Powers Clean Retail value sales tax
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
Used Car Loan (2022-2025)
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMay 7, 2026
Details
61-72 Months
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
6.60%
84 Months
▼
APR6.60%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Used Auto Loan
6.75%
5yrs - 700 and over credit score
▼
APR6.75%
Term5yrs - 700 and over credit score
Last UpdatedMay 4, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
6.79%
60 Months
▼
APR6.79%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; NJ vehicles only.
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
Used Car:2025,2024,2023,2022
6.95%
up to 72 Months
▼
APR6.95%
Termup to 72 Months
Last UpdatedMay 2, 2026
Details
$0 Minimum $50,000 Maximum 100% of NADA Retail Value
Monroe Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Used Auto Loans
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedMay 5, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
Used Cars
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
With credit score of 600 to 699
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Montclair, NJ Auto Loan Rate Trends
Compare local Montclair, NJ auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — NJ Avg
5.734%
▼ 0.061 vs 7 days ago
New Jersey new auto rates fell 0.061 points over the past 7 days to 5.734% APR.
Used Auto Loan — NJ Avg
8.291%
▲ 0.075 vs 7 days ago
New Jersey used auto rates rose 0.075 points over the past 7 days to 8.291% APR.
As of May 11, 2026 • Rate data sourced from 8,500+ monitored institutions
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Frequently Asked Questions about Auto Loans in Montclair, 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 Montclair, 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 Montclair, 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 Montclair, New Jersey?
Based on our current data, some of the lowest auto loan rates available in Montclair, New Jersey include:
- Baxter Credit Union: 3.24% (Auto Loans)
- Wakefern Federal Credit Union: 3.49% (New Car Loans)
- Deepwater Industries Federal Credit Union: 3.50% (New Vehicles)
- American Airlines Federal Credit Union: 3.74% (New Auto)
- Atlantic City Electric Co Emp Federal Credit Union: 3.75% (New Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Montclair, New Jersey. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 10, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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