Auto Loan Rates in Neptune, New Jersey (NJ) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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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 Neptune, New Jersey. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Neptune, New Jersey include United Teletech Financial Federal Credit UnionUnited Teletech Financial Federal Credit Union3636 State Route 33, NEPTUNE, NJ, 07753A5.0 ★Texas Ratio: 6.84% offering Auto Loans (New Vehicles only) at 4.24%, First Financial Federal Credit UnionFirst Financial Federal Credit Union783 Wayside Rd, Neptune, NJ, 07753C+4.1 ★Texas Ratio: 26.12% offering Auto Loan at 4.49%, First Atlantic Federal Credit UnionFirst Atlantic Federal Credit Union2070 STATE ROUTE 66, NEPTUNE, NJ, 07753 4064A+5.0 ★Texas Ratio: 4.55% offering NEW AUTO at 4.74%, Baxter Credit UnionBaxter Credit Union1 Becton Dr, Franklin Lakes, NJ, 07417 1815A5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, Merck Employees Federal Credit UnionMerck Employees Federal Credit Union126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607A+5.0 ★Texas Ratio: 0.22% offering Auto Loan at 3.25%.
Auto loan rates in Neptune, New Jersey are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Neptune, New Jersey. Auto Loan Rates Last Updated and Verified: March 20, 2026
Compare Auto Loan Rates Today in Neptune, New Jersey & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
3636 State Route 33, NEPTUNE, NJ, 07753
Auto Loans (New Vehicles only)
4.24%
Up to 24 Months
▼
APR4.24%
TermUp to 24 Months
Last UpdatedMar 15, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
3636 State Route 33, NEPTUNE, NJ, 07753
Auto Loans (New Vehicles only)
4.38%
25 to 36 Months
▼
APR4.38%
Term25 to 36 Months
Last UpdatedMar 15, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
3636 State Route 33, NEPTUNE, NJ, 07753
Auto Loans (New Vehicles only)
4.63%
37 to 48 Months
▼
APR4.63%
Term37 to 48 Months
Last UpdatedMar 15, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ, 07753 4064
NEW AUTO
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 18, 2026
Details
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
3636 State Route 33, NEPTUNE, NJ, 07753
Auto Loans (New Vehicles only)
4.88%
49 to 66 Months
▼
APR4.88%
Term49 to 66 Months
Last UpdatedMar 15, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ, 07753 4064
NEW AUTO
4.99%
49 to 60 Months
▼
APR4.99%
Term49 to 60 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ, 07753 4064
USED AUTO
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
Auto Loans - Model Year 2021 and 2020*Up to 120,000 miles
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
3636 State Route 33, NEPTUNE, NJ, 07753
Auto Loans (New Vehicles only)
5.13%
67 to 72 Months
▼
APR5.13%
Term67 to 72 Months
Last UpdatedMar 15, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ, 07753 4064
NEW AUTO
5.24%
61 to 72 Months
▼
APR5.24%
Term61 to 72 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ, 07753 4064
USED AUTO
5.24%
49 to 60 Months
▼
APR5.24%
Term49 to 60 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
Auto Loans - Model Year 2021 and 2020*Up to 120,000 miles
5.24%
Up to 48 Months
▼
APR5.24%
TermUp to 48 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ, 07753 4064
USED AUTO
5.49%
61 to 72 Months
▼
APR5.49%
Term61 to 72 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
Auto Loans - Model Year 2021 and 2020*Up to 120,000 miles
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
3636 State Route 33, NEPTUNE, NJ, 07753
Auto Loans (New Vehicles only)
5.63%
73 to 84 Months
▼
APR5.63%
Term73 to 84 Months
Last UpdatedMar 15, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ, 07753 4064
NEW AUTO
5.74%
73 to 84 Months
▼
APR5.74%
Term73 to 84 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
Auto Loans - Model Year 2019 and Older*Up to 120,000 miles
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ, 07753 4064
USED AUTO
5.99%
73 to 84 Months
▼
APR5.99%
Term73 to 84 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 18, 2026
Details
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
Auto Loans - Model Year 2019 and Older*Up to 120,000 miles
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
Auto Loans - Model Year 2021 and 2020*Up to 120,000 miles
5.99%
Up to 72 Months
▼
APR5.99%
TermUp to 72 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
Auto Loans - Model Year 2019 and Older*Up to 120,000 miles
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
Auto Loans - Model Year 2019 and Older*Up to 120,000 miles
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Auto Loan
3.25%
12-60
▼
APR3.25%
Term12-60
Last UpdatedMar 20, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Used Auto Loan
3.25%
12-60
▼
APR3.25%
Term12-60
Last UpdatedMar 20, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
3.49%
Up to 36
▼
APR3.49%
TermUp to 36
Last UpdatedMar 17, 2026
Details
As Low As
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
667 Chestnut St, Union, NJ, 07083
Auto Loan
3.50%
5 years
▼
APR3.50%
Term5 years
Last UpdatedMar 15, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
225 E State St, Trenton, NJ, 08608 1800
New Auto Loans
3.59%
24 to 84
▼
APR3.59%
Term24 to 84
Last UpdatedMar 17, 2026
Details
As Low As; .25% discount if payroll deducted; Rate is determined by credit risk score.
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
5100 Harding Hwy Ste 103, Mays Landing, NJ, 08330 2260
New Auto Loan
3.75%
72 Months
▼
APR3.75%
Term72 Months
Last UpdatedMar 17, 2026
Details
Up to 72 months*
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
3.89%
36 Months
▼
APR3.89%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Auto Loans -- New, Enterprise, or Used Under 3 years
3.99%
3 Months
▼
APR3.99%
Term3 Months
Last UpdatedMar 20, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 16, 2026
Details
With credit score of 700 and above
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
501 Baltimore St, Phillipsburg, NJ, 08865 1845
New Auto Loan Refinance Rate Special
3.99%
3 - 36
▼
APR3.99%
Term3 - 36
Last UpdatedMar 18, 2026
Details
As Low As; Model Years 2025 - 2027
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
501 Baltimore St, Phillipsburg, NJ, 08865 1845
Used Auto Loan Refinance Rate Special
3.99%
3 - 36
▼
APR3.99%
Term3 - 36
Last UpdatedMar 18, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
United Poles Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.86%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ, 08861
Vehicle Loan
3.99%
12 Months
▼
APR3.99%
Term12 Months
Last UpdatedMar 15, 2026
Details
new
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.00%
Up to 24 months
▼
APR4.00%
TermUp to 24 months
Last UpdatedMar 20, 2026
Details
As Low As
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ, 07018 1023
New Vehicles
4.00%
1 - 3
▼
APR4.00%
Term1 - 3
Last UpdatedMar 13, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.15%
Up to 36 months
▼
APR4.15%
TermUp to 36 months
Last UpdatedMar 20, 2026
Details
As Low As
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
667 Chestnut St, Union, NJ, 07083
Auto Loan
4.15%
4 years
▼
APR4.15%
Term4 years
Last UpdatedMar 15, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
1434 New Rd, Northfield, NJ, 08225
Auto Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedMar 20, 2026
Details
As Low As; 2026 or Newer, Under 75% LTV**
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.24%
6 - 35
▼
APR4.24%
Term6 - 35
Last UpdatedMar 20, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 16, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Auto Loan
4.25%
72-120
▼
APR4.25%
Term72-120
Last UpdatedMar 20, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Used Auto Loan
4.25%
72-120
▼
APR4.25%
Term72-120
Last UpdatedMar 20, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.25%
Up to 24 months
▼
APR4.25%
TermUp to 24 months
Last UpdatedMar 20, 2026
Details
As Low As
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
19 Fenwick St, Newark, NJ, 07114
New Auto Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.30%
Up to 48 months
▼
APR4.30%
TermUp to 48 months
Last UpdatedMar 20, 2026
Details
As Low As
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
225 E State St, Trenton, NJ, 08608 1800
Used Auto Loans
4.34%
24 to 84 Month
▼
APR4.34%
Term24 to 84 Month
Last UpdatedMar 17, 2026
Details
As Low As; .25% discount if payroll deducted; Rate is determined by credit risk score.
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
4.35%
Up to 2
▼
APR4.35%
TermUp to 2
Last UpdatedMar 20, 2026
Details
As Low As; Terms: 100% Purchase Price
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car
4.39%
60 Months
▼
APR4.39%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedMar 20, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.45%
Up to 60 months
▼
APR4.45%
TermUp to 60 months
Last UpdatedMar 20, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loan
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedMar 17, 2026
Details
As Low As
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
1434 New Rd, Northfield, NJ, 08225
Auto Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedMar 20, 2026
Details
As Low As; 2026 or Newer, 75% to 100% LTV**
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
Auto Refinance
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
Up to 48 Months
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
New Auto
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
Up to 48 Months
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto Loan
4.49%
Up to 36
▼
APR4.49%
TermUp to 36
Last UpdatedMar 20, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Used Auto Loan
4.49%
Up to 36
▼
APR4.49%
TermUp to 36
Last UpdatedMar 20, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.49%
36 - 47
▼
APR4.49%
Term36 - 47
Last UpdatedMar 20, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Used Cars and Trucks
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 17, 2026
Details
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ, 07018 1023
New Vehicles
4.50%
4 Months
▼
APR4.50%
Term4 Months
Last UpdatedMar 13, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
35 Main St, South Bound Brook, NJ, 08880
New Car Loans
4.50%
Up to 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedMar 15, 2026
Details
As Low As; 10% down payment
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.55%
Up to 48 months
▼
APR4.55%
TermUp to 48 months
Last UpdatedMar 20, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
4.60%
Up to 3
▼
APR4.60%
TermUp to 3
Last UpdatedMar 20, 2026
Details
As Low As; Terms: 100% Purchase Price
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
4.60%
Up to 2
▼
APR4.60%
TermUp to 2
Last UpdatedMar 20, 2026
Details
As Low As; Terms: 100% Purchase Price
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.60%
Up to 72 months
▼
APR4.60%
TermUp to 72 months
Last UpdatedMar 20, 2026
Details
As Low As
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
Pre-Owned
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.70%
Up to 60 months
▼
APR4.70%
TermUp to 60 months
Last UpdatedMar 20, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 17, 2026
Details
2013 & Newer
Hamilton Horizons Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.20%
3535 Quakerbridge Rd Ste 600, Hamilton, NJ, 08619 1250
New Auto or Truck
4.74%
Up to 84 Months
▼
APR4.74%
TermUp to 84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
1434 New Rd, Northfield, NJ, 08225
Auto Loan
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedMar 20, 2026
Details
As Low As; 2025, 2024, and 2023, 75% to 100% LTV**
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
Auto Refinance
4.74%
49 to 60
▼
APR4.74%
Term49 to 60
Last UpdatedMar 17, 2026
Details
49 to 60 Months
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
New Auto
4.74%
49 to 60
▼
APR4.74%
Term49 to 60
Last UpdatedMar 17, 2026
Details
49 to 60 Months
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Leasing Alternative Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Used Auto Loan
4.74%
37-48
▼
APR4.74%
Term37-48
Last UpdatedMar 20, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.74%
48 - 59
▼
APR4.74%
Term48 - 59
Last UpdatedMar 20, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.75%
Up to 84 months
▼
APR4.75%
TermUp to 84 months
Last UpdatedMar 20, 2026
Details
As Low As
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ, 07018 1023
Used Vehicles
4.75%
1 - 3 Years
▼
APR4.75%
Term1 - 3 Years
Last UpdatedMar 13, 2026
Details
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
19 Fenwick St, Newark, NJ, 07114
New Auto Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 17, 2026
Details
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
392 Main St, Hackensack, NJ, 07601 5805
Vehicle Loans Model Year 2024-2026
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 17, 2026
Details
Up to $65,000
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
4.85%
Up to 4
▼
APR4.85%
TermUp to 4
Last UpdatedMar 20, 2026
Details
As Low As; Terms: 100% Purchase Price
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
4.85%
Up to 3
▼
APR4.85%
TermUp to 3
Last UpdatedMar 20, 2026
Details
As Low As; Terms: 100% Purchase Price
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.85%
Up to 72 months
▼
APR4.85%
TermUp to 72 months
Last UpdatedMar 20, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
477 Jeremiah Ave, Trenton, NJ, 08610
Used Auto Loan
4.89%
Up to 48 Months
▼
APR4.89%
TermUp to 48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
477 Jeremiah Ave, Trenton, NJ, 08610
Auto Loan
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
711 Union Blvd, Totowa, NJ, 07512 2207
New Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMar 17, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
711 Union Blvd, Totowa, NJ, 07512 2207
Used Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMar 17, 2026
Details
As Low As
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
227 Market St, Camden, NJ, 08102
New Auto Loans - Model Year 2024-2026 (less than 20,000 miles)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
477 Jeremiah Ave, Trenton, NJ, 08610
Used Auto Loan
4.99%
49 to 66 Months
▼
APR4.99%
Term49 to 66 Months
Last UpdatedMar 15, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ, 07446
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMar 15, 2026
Details
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
NEW CAR LOANS
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
USED CAR LOANS
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 16, 2026
Details
With credit score of 700 and above
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
Used Cars
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 16, 2026
Details
With credit score of 700 and above
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
2019 & Newer
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Auto Loan
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMar 17, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
477 Jeremiah Ave, Trenton, NJ, 08610
Auto Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
501 Baltimore St, Phillipsburg, NJ, 08865 1845
New Auto Loan Refinance Rate Special
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedMar 18, 2026
Details
As Low As; Model Years 2025 - 2027
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
501 Baltimore St, Phillipsburg, NJ, 08865 1845
Used Auto Loan Refinance Rate Special
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedMar 18, 2026
Details
As Low As
Garden State Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.16%
144 W ROUTE 38, MOORESTOWN, NJ, 08057 3223
New Car Loan
4.99%
5 years
▼
APR4.99%
Term5 years
Last UpdatedMar 16, 2026
Details
Garden State Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.16%
144 W ROUTE 38, MOORESTOWN, NJ, 08057 3223
Used Car Loan
4.99%
5 years
▼
APR4.99%
Term5 years
Last UpdatedMar 16, 2026
Details
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan amount $30,000
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
Auto Refinance
4.99%
61 to 72
▼
APR4.99%
Term61 to 72
Last UpdatedMar 17, 2026
Details
61 to 72 Months
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
New Auto
4.99%
61 to 72
▼
APR4.99%
Term61 to 72
Last UpdatedMar 17, 2026
Details
61 to 72 Months
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
Used Auto
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
Up to 48 Months
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
NEW AUTOS-2026 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; †Special limitations apply on all terms and rates, please contact the credit union for more information.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
NEW AUTOS-2026 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As; †Special limitations apply on all terms and rates, please contact the credit union for more information.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
NEW AUTOS-2026 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; †Special limitations apply on all terms and rates, please contact the credit union for more information.
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
667 Chestnut St, Union, NJ, 07083
Auto Loan
4.99%
6 years
▼
APR4.99%
Term6 years
Last UpdatedMar 15, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto Loan
4.99%
49-60
▼
APR4.99%
Term49-60
Last UpdatedMar 20, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Used Auto Loan
4.99%
49-60
▼
APR4.99%
Term49-60
Last UpdatedMar 20, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
FIRST POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
New Auto Loan
4.99%
4 years
▼
APR4.99%
Term4 years
Last UpdatedMar 18, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.99%
60 - 71
▼
APR4.99%
Term60 - 71
Last UpdatedMar 20, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
4.99%
6 - 35
▼
APR4.99%
Term6 - 35
Last UpdatedMar 20, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
5.00%
Up to 5
▼
APR5.00%
TermUp to 5
Last UpdatedMar 20, 2026
Details
As Low As; Terms: 100% Purchase Price
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.00%
Up to 4
▼
APR5.00%
TermUp to 4
Last UpdatedMar 20, 2026
Details
As Low As; Terms: 100% Purchase Price
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles
5.00%
Up to 60 months
▼
APR5.00%
TermUp to 60 months
Last UpdatedMar 16, 2026
Details
As Low As; Auto Pay
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Older or High Mileage Used Auto
5.00%
3 Months
▼
APR5.00%
Term3 Months
Last UpdatedMar 20, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Used Cars and Trucks
5.00%
42 Months
▼
APR5.00%
Term42 Months
Last UpdatedMar 17, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
5100 Harding Hwy Ste 103, Mays Landing, NJ, 08330 2260
Used Auto Loans Model years 2018 and older
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 17, 2026
Details
48 months max. term**
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
5100 Harding Hwy Ste 103, Mays Landing, NJ, 08330 2260
Used Auto Loans Model years 2019 - 2021
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 17, 2026
Details
Up to 60 months*
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
5100 Harding Hwy Ste 103, Mays Landing, NJ, 08330 2260
Used Auto Loans Model years 2022 - 2025
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 17, 2026
Details
Up to 72 months*
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
New Auto Loans
5.00%
Up to 36 months
▼
APR5.00%
TermUp to 36 months
Last UpdatedMar 17, 2026
Details
B M S Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
1 Squibb Dr, New Brunswick, NJ, 08901 1588
New Car Loans
5.00%
24 months
▼
APR5.00%
Term24 months
Last UpdatedMar 16, 2026
Details
As Low As
B M S Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
1 Squibb Dr, New Brunswick, NJ, 08901 1588
Pre-Owned Car Loans
5.00%
24 months
▼
APR5.00%
Term24 months
Last UpdatedMar 16, 2026
Details
As Low As
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
Pre-Owned
5.14%
72 Months
▼
APR5.14%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
477 Jeremiah Ave, Trenton, NJ, 08610
Used Auto Loan
5.19%
67 to 75 Months
▼
APR5.19%
Term67 to 75 Months
Last UpdatedMar 15, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
477 Jeremiah Ave, Trenton, NJ, 08610
Auto Loan
5.19%
75 Months
▼
APR5.19%
Term75 Months
Last UpdatedMar 15, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Auto Loan
5.19%
60 Months
▼
APR5.19%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.20%
Up to 5
▼
APR5.20%
TermUp to 5
Last UpdatedMar 20, 2026
Details
As Low As; Terms: 100% Purchase Price
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
227 Market St, Camden, NJ, 08102
New Auto Loans - Model Year 2024-2026 (less than 20,000 miles)
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
227 Market St, Camden, NJ, 08102
Used Auto Loans - Model Years 2024-2025 (more than 20,000 miles)
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 16, 2026
Details
With credit score of 700 and above
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Auto Loan
5.24%
64 to 75 Months
▼
APR5.24%
Term64 to 75 Months
Last UpdatedMar 17, 2026
Details
As Low As
New Jersey Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
144 W Route 38, Moorestown, NJ, 08057
Auto Loan
5.24%
5 years
▼
APR5.24%
Term5 years
Last UpdatedMar 17, 2026
Details
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
Auto Refinance
5.24%
73 to 84
▼
APR5.24%
Term73 to 84
Last UpdatedMar 17, 2026
Details
73 to 84 Months
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
New Auto
5.24%
73 to 84
▼
APR5.24%
Term73 to 84
Last UpdatedMar 17, 2026
Details
73 to 84 Months
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
Used Auto
5.24%
49 to 60
▼
APR5.24%
Term49 to 60
Last UpdatedMar 17, 2026
Details
49 to 60 Months
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Leasing Alternative Auto Loan
5.24%
37-48 Months
▼
APR5.24%
Term37-48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto Loan
5.24%
61-72
▼
APR5.24%
Term61-72
Last UpdatedMar 20, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
5.24%
72 - 84
▼
APR5.24%
Term72 - 84
Last UpdatedMar 20, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.24%
36 - 47
▼
APR5.24%
Term36 - 47
Last UpdatedMar 20, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ, 07446
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMar 15, 2026
Details
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
494 Route 38 E, Maple Shade, NJ, 08052 2036
New/Used Auto
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 18, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Older or High Mileage Used Auto
5.25%
4 Months
▼
APR5.25%
Term4 Months
Last UpdatedMar 20, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 17, 2026
Details
2022 & Newer
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
New Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; NJ vehicles only.
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
392 Main St, Hackensack, NJ, 07601 5805
Vehicle Loans Model Year 2024-2026
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 17, 2026
Details
Up to $65,000
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
5.30%
Up to 6
▼
APR5.30%
TermUp to 6
Last UpdatedMar 20, 2026
Details
As Low As; Terms: 100% Purchase Price
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Auto Loan
5.34%
Up to 63
▼
APR5.34%
TermUp to 63
Last UpdatedMar 17, 2026
Details
As Low As
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Vehicle Loan
5.35%
24 Months
▼
APR5.35%
Term24 Months
Last UpdatedMar 20, 2026
Details
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car
5.39%
84 Months
▼
APR5.39%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
501 Baltimore St, Phillipsburg, NJ, 08865 1845
New Auto Loan Refinance Rate Special
5.39%
61 - 66
▼
APR5.39%
Term61 - 66
Last UpdatedMar 18, 2026
Details
As Low As; Model Years 2025 - 2027
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
501 Baltimore St, Phillipsburg, NJ, 08865 1845
Used Auto Loan Refinance Rate Special
5.39%
61 - 66
▼
APR5.39%
Term61 - 66
Last UpdatedMar 18, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
5.42%
72 Months
▼
APR5.42%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
227 Market St, Camden, NJ, 08102
Used Auto Loans - Model Years 2021-2023
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
227 Market St, Camden, NJ, 08102
Used Auto Loans - Model Years 2024-2025 (more than 20,000 miles)
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
NEW CAR LOANS
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 16, 2026
Details
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
USED CAR LOANS
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 16, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 16, 2026
Details
With credit score of 700 and above
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
Used Auto Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; NJ vehicles only.
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
501 Baltimore St, Phillipsburg, NJ, 08865 1845
New Auto Loan
5.49%
3 - 36
▼
APR5.49%
Term3 - 36
Last UpdatedMar 18, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 ADP Blvd, Roseland, NJ, 07068
New & Used Vehicles
5.49%
Up to 2 years
▼
APR5.49%
TermUp to 2 years
Last UpdatedMar 15, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.86%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ, 08861
Vehicle Loan
5.49%
12 Months
▼
APR5.49%
Term12 Months
Last UpdatedMar 15, 2026
Details
used
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
Used Auto
5.49%
61 to 72
▼
APR5.49%
Term61 to 72
Last UpdatedMar 17, 2026
Details
61 to 72 Months
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Used Auto 2025 & 2024
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 17, 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%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Used Auto Loan
5.49%
61-72
▼
APR5.49%
Term61-72
Last UpdatedMar 20, 2026
Details
As Low As
FIRST POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
New Auto Loan
5.49%
6 years
▼
APR5.49%
Term6 years
Last UpdatedMar 18, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.49%
48 - 59
▼
APR5.49%
Term48 - 59
Last UpdatedMar 20, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
3636 State Route 33, NEPTUNE, NJ, 07753
Auto Loans (New Vehicles only)
4.24%
Up to 24 Months
▼
APR4.24%
TermUp to 24 Months
Last UpdatedMar 15, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
3636 State Route 33, NEPTUNE, NJ, 07753
Auto Loans (New Vehicles only)
4.38%
25 to 36 Months
▼
APR4.38%
Term25 to 36 Months
Last UpdatedMar 15, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
3636 State Route 33, NEPTUNE, NJ, 07753
Auto Loans (New Vehicles only)
4.63%
37 to 48 Months
▼
APR4.63%
Term37 to 48 Months
Last UpdatedMar 15, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ, 07753 4064
NEW AUTO
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
3636 State Route 33, NEPTUNE, NJ, 07753
Auto Loans (New Vehicles only)
4.88%
49 to 66 Months
▼
APR4.88%
Term49 to 66 Months
Last UpdatedMar 15, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ, 07753 4064
NEW AUTO
4.99%
49 to 60 Months
▼
APR4.99%
Term49 to 60 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
3636 State Route 33, NEPTUNE, NJ, 07753
Auto Loans (New Vehicles only)
5.13%
67 to 72 Months
▼
APR5.13%
Term67 to 72 Months
Last UpdatedMar 15, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ, 07753 4064
NEW AUTO
5.24%
61 to 72 Months
▼
APR5.24%
Term61 to 72 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
3636 State Route 33, NEPTUNE, NJ, 07753
Auto Loans (New Vehicles only)
5.63%
73 to 84 Months
▼
APR5.63%
Term73 to 84 Months
Last UpdatedMar 15, 2026
Details
As Low As; Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases.
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ, 07753 4064
NEW AUTO
5.74%
73 to 84 Months
▼
APR5.74%
Term73 to 84 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
3.49%
Up to 36
▼
APR3.49%
TermUp to 36
Last UpdatedMar 17, 2026
Details
As Low As
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
225 E State St, Trenton, NJ, 08608 1800
New Auto Loans
3.59%
24 to 84
▼
APR3.59%
Term24 to 84
Last UpdatedMar 17, 2026
Details
As Low As; .25% discount if payroll deducted; Rate is determined by credit risk score.
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
5100 Harding Hwy Ste 103, Mays Landing, NJ, 08330 2260
New Auto Loan
3.75%
72 Months
▼
APR3.75%
Term72 Months
Last UpdatedMar 17, 2026
Details
Up to 72 months*
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
3.89%
36 Months
▼
APR3.89%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Auto Loans -- New, Enterprise, or Used Under 3 years
3.99%
3 Months
▼
APR3.99%
Term3 Months
Last UpdatedMar 20, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 16, 2026
Details
With credit score of 700 and above
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
501 Baltimore St, Phillipsburg, NJ, 08865 1845
New Auto Loan Refinance Rate Special
3.99%
3 - 36
▼
APR3.99%
Term3 - 36
Last UpdatedMar 18, 2026
Details
As Low As; Model Years 2025 - 2027
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.00%
Up to 24 months
▼
APR4.00%
TermUp to 24 months
Last UpdatedMar 20, 2026
Details
As Low As
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ, 07018 1023
New Vehicles
4.00%
1 - 3
▼
APR4.00%
Term1 - 3
Last UpdatedMar 13, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.15%
Up to 36 months
▼
APR4.15%
TermUp to 36 months
Last UpdatedMar 20, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.24%
6 - 35
▼
APR4.24%
Term6 - 35
Last UpdatedMar 20, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 16, 2026
Details
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
19 Fenwick St, Newark, NJ, 07114
New Auto Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.30%
Up to 48 months
▼
APR4.30%
TermUp to 48 months
Last UpdatedMar 20, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
4.35%
Up to 2
▼
APR4.35%
TermUp to 2
Last UpdatedMar 20, 2026
Details
As Low As; Terms: 100% Purchase Price
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car
4.39%
60 Months
▼
APR4.39%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.45%
Up to 60 months
▼
APR4.45%
TermUp to 60 months
Last UpdatedMar 20, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
New Auto
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
Up to 48 Months
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto Loan
4.49%
Up to 36
▼
APR4.49%
TermUp to 36
Last UpdatedMar 20, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.49%
36 - 47
▼
APR4.49%
Term36 - 47
Last UpdatedMar 20, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 17, 2026
Details
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ, 07018 1023
New Vehicles
4.50%
4 Months
▼
APR4.50%
Term4 Months
Last UpdatedMar 13, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
35 Main St, South Bound Brook, NJ, 08880
New Car Loans
4.50%
Up to 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedMar 15, 2026
Details
As Low As; 10% down payment
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
4.60%
Up to 3
▼
APR4.60%
TermUp to 3
Last UpdatedMar 20, 2026
Details
As Low As; Terms: 100% Purchase Price
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.60%
Up to 72 months
▼
APR4.60%
TermUp to 72 months
Last UpdatedMar 20, 2026
Details
As Low As
Hamilton Horizons Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.20%
3535 Quakerbridge Rd Ste 600, Hamilton, NJ, 08619 1250
New Auto or Truck
4.74%
Up to 84 Months
▼
APR4.74%
TermUp to 84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
New Auto
4.74%
49 to 60
▼
APR4.74%
Term49 to 60
Last UpdatedMar 17, 2026
Details
49 to 60 Months
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.74%
48 - 59
▼
APR4.74%
Term48 - 59
Last UpdatedMar 20, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
New Auto
4.75%
Up to 84 months
▼
APR4.75%
TermUp to 84 months
Last UpdatedMar 20, 2026
Details
As Low As
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
19 Fenwick St, Newark, NJ, 07114
New Auto Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 17, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
4.85%
Up to 4
▼
APR4.85%
TermUp to 4
Last UpdatedMar 20, 2026
Details
As Low As; Terms: 100% Purchase Price
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
711 Union Blvd, Totowa, NJ, 07512 2207
New Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMar 17, 2026
Details
As Low As
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
227 Market St, Camden, NJ, 08102
New Auto Loans - Model Year 2024-2026 (less than 20,000 miles)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ, 07446
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMar 15, 2026
Details
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
NEW CAR LOANS
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 16, 2026
Details
With credit score of 700 and above
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
501 Baltimore St, Phillipsburg, NJ, 08865 1845
New Auto Loan Refinance Rate Special
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedMar 18, 2026
Details
As Low As; Model Years 2025 - 2027
Garden State Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.16%
144 W ROUTE 38, MOORESTOWN, NJ, 08057 3223
New Car Loan
4.99%
5 years
▼
APR4.99%
Term5 years
Last UpdatedMar 16, 2026
Details
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
New Car Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan amount $30,000
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
New Auto
4.99%
61 to 72
▼
APR4.99%
Term61 to 72
Last UpdatedMar 17, 2026
Details
61 to 72 Months
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
NEW AUTOS-2026 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; †Special limitations apply on all terms and rates, please contact the credit union for more information.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
NEW AUTOS-2026 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As; †Special limitations apply on all terms and rates, please contact the credit union for more information.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
NEW AUTOS-2026 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 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%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto Loan
4.99%
49-60
▼
APR4.99%
Term49-60
Last UpdatedMar 20, 2026
Details
As Low As
FIRST POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
New Auto Loan
4.99%
4 years
▼
APR4.99%
Term4 years
Last UpdatedMar 18, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
4.99%
60 - 71
▼
APR4.99%
Term60 - 71
Last UpdatedMar 20, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
5.00%
Up to 5
▼
APR5.00%
TermUp to 5
Last UpdatedMar 20, 2026
Details
As Low As; Terms: 100% Purchase Price
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
565 North Broadway, Deepwater, NJ, 08023
New Vehicles
5.00%
Up to 60 months
▼
APR5.00%
TermUp to 60 months
Last UpdatedMar 16, 2026
Details
As Low As; Auto Pay
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
New Cars and Trucks
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 17, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
New Auto Loans
5.00%
Up to 36 months
▼
APR5.00%
TermUp to 36 months
Last UpdatedMar 17, 2026
Details
B M S Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
1 Squibb Dr, New Brunswick, NJ, 08901 1588
New Car Loans
5.00%
24 months
▼
APR5.00%
Term24 months
Last UpdatedMar 16, 2026
Details
As Low As
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
227 Market St, Camden, NJ, 08102
New Auto Loans - Model Year 2024-2026 (less than 20,000 miles)
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 16, 2026
Details
With credit score of 700 and above
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
New Auto
5.24%
73 to 84
▼
APR5.24%
Term73 to 84
Last UpdatedMar 17, 2026
Details
73 to 84 Months
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
New Auto Loan
5.24%
61-72
▼
APR5.24%
Term61-72
Last UpdatedMar 20, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
New Vehicle Loans
5.24%
72 - 84
▼
APR5.24%
Term72 - 84
Last UpdatedMar 20, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ, 07446
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMar 15, 2026
Details
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
494 Route 38 E, Maple Shade, NJ, 08052 2036
New/Used Auto
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 18, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
New Vehicle (car, truck, van)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 100% of purchase price, including sales tax
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
New Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; NJ vehicles only.
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
New Auto
5.30%
Up to 6
▼
APR5.30%
TermUp to 6
Last UpdatedMar 20, 2026
Details
As Low As; Terms: 100% Purchase Price
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
New Car
5.39%
84 Months
▼
APR5.39%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
501 Baltimore St, Phillipsburg, NJ, 08865 1845
New Auto Loan Refinance Rate Special
5.39%
61 - 66
▼
APR5.39%
Term61 - 66
Last UpdatedMar 18, 2026
Details
As Low As; Model Years 2025 - 2027
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
New Auto Loan
5.42%
72 Months
▼
APR5.42%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
NEW CAR LOANS
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 16, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
New Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 16, 2026
Details
With credit score of 700 and above
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
501 Baltimore St, Phillipsburg, NJ, 08865 1845
New Auto Loan
5.49%
3 - 36
▼
APR5.49%
Term3 - 36
Last UpdatedMar 18, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 ADP Blvd, Roseland, NJ, 07068
New & Used Vehicles
5.49%
Up to 2 years
▼
APR5.49%
TermUp to 2 years
Last UpdatedMar 15, 2026
Details
FIRST POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
New Auto Loan
5.49%
6 years
▼
APR5.49%
Term6 years
Last UpdatedMar 18, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ, 07753 4064
USED AUTO
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ, 07753 4064
USED AUTO
5.24%
49 to 60 Months
▼
APR5.24%
Term49 to 60 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ, 07753 4064
USED AUTO
5.49%
61 to 72 Months
▼
APR5.49%
Term61 to 72 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ, 07753 4064
USED AUTO
5.99%
73 to 84 Months
▼
APR5.99%
Term73 to 84 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.12%
783 Wayside Rd, Neptune, NJ, 07753
New & Used Auto Loans - Model Year 2022 and Newer*Less than 75,000 miles
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Used Auto Loan
3.25%
12-60
▼
APR3.25%
Term12-60
Last UpdatedMar 20, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Auto Loans -- New, Enterprise, or Used Under 3 years
3.99%
3 Months
▼
APR3.99%
Term3 Months
Last UpdatedMar 20, 2026
Details
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
501 Baltimore St, Phillipsburg, NJ, 08865 1845
Used Auto Loan Refinance Rate Special
3.99%
3 - 36
▼
APR3.99%
Term3 - 36
Last UpdatedMar 18, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 16, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Used Auto Loan
4.25%
72-120
▼
APR4.25%
Term72-120
Last UpdatedMar 20, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.25%
Up to 24 months
▼
APR4.25%
TermUp to 24 months
Last UpdatedMar 20, 2026
Details
As Low As
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
225 E State St, Trenton, NJ, 08608 1800
Used Auto Loans
4.34%
24 to 84 Month
▼
APR4.34%
Term24 to 84 Month
Last UpdatedMar 17, 2026
Details
As Low As; .25% discount if payroll deducted; Rate is determined by credit risk score.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedMar 20, 2026
Details
As Low As
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loan
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedMar 17, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Used Auto Loan
4.49%
Up to 36
▼
APR4.49%
TermUp to 36
Last UpdatedMar 20, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Used Cars and Trucks
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.55%
Up to 48 months
▼
APR4.55%
TermUp to 48 months
Last UpdatedMar 20, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
4.60%
Up to 2
▼
APR4.60%
TermUp to 2
Last UpdatedMar 20, 2026
Details
As Low As; Terms: 100% Purchase Price
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
Pre-Owned
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.70%
Up to 60 months
▼
APR4.70%
TermUp to 60 months
Last UpdatedMar 20, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 17, 2026
Details
2013 & Newer
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Used Auto Loan
4.74%
37-48
▼
APR4.74%
Term37-48
Last UpdatedMar 20, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ, 08085
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ, 07018 1023
Used Vehicles
4.75%
1 - 3 Years
▼
APR4.75%
Term1 - 3 Years
Last UpdatedMar 13, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
4.85%
Up to 3
▼
APR4.85%
TermUp to 3
Last UpdatedMar 20, 2026
Details
As Low As; Terms: 100% Purchase Price
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Used Autos
4.85%
Up to 72 months
▼
APR4.85%
TermUp to 72 months
Last UpdatedMar 20, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
477 Jeremiah Ave, Trenton, NJ, 08610
Used Auto Loan
4.89%
Up to 48 Months
▼
APR4.89%
TermUp to 48 Months
Last UpdatedMar 15, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
711 Union Blvd, Totowa, NJ, 07512 2207
Used Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMar 17, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
477 Jeremiah Ave, Trenton, NJ, 08610
Used Auto Loan
4.99%
49 to 66 Months
▼
APR4.99%
Term49 to 66 Months
Last UpdatedMar 15, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
USED CAR LOANS
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
Used Cars
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 16, 2026
Details
With credit score of 700 and above
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
2019 & Newer
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
501 Baltimore St, Phillipsburg, NJ, 08865 1845
Used Auto Loan Refinance Rate Special
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedMar 18, 2026
Details
As Low As
Garden State Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.16%
144 W ROUTE 38, MOORESTOWN, NJ, 08057 3223
Used Car Loan
4.99%
5 years
▼
APR4.99%
Term5 years
Last UpdatedMar 16, 2026
Details
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
Used Auto
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
Up to 48 Months
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Used Auto Loan
4.99%
49-60
▼
APR4.99%
Term49-60
Last UpdatedMar 20, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
4.99%
6 - 35
▼
APR4.99%
Term6 - 35
Last UpdatedMar 20, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.00%
Up to 4
▼
APR5.00%
TermUp to 4
Last UpdatedMar 20, 2026
Details
As Low As; Terms: 100% Purchase Price
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Older or High Mileage Used Auto
5.00%
3 Months
▼
APR5.00%
Term3 Months
Last UpdatedMar 20, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Used Cars and Trucks
5.00%
42 Months
▼
APR5.00%
Term42 Months
Last UpdatedMar 17, 2026
Details
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
5100 Harding Hwy Ste 103, Mays Landing, NJ, 08330 2260
Used Auto Loans Model years 2018 and older
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 17, 2026
Details
48 months max. term**
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
5100 Harding Hwy Ste 103, Mays Landing, NJ, 08330 2260
Used Auto Loans Model years 2019 - 2021
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 17, 2026
Details
Up to 60 months*
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
5100 Harding Hwy Ste 103, Mays Landing, NJ, 08330 2260
Used Auto Loans Model years 2022 - 2025
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 17, 2026
Details
Up to 72 months*
B M S Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
1 Squibb Dr, New Brunswick, NJ, 08901 1588
Pre-Owned Car Loans
5.00%
24 months
▼
APR5.00%
Term24 months
Last UpdatedMar 16, 2026
Details
As Low As
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
Pre-Owned
5.14%
72 Months
▼
APR5.14%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
477 Jeremiah Ave, Trenton, NJ, 08610
Used Auto Loan
5.19%
67 to 75 Months
▼
APR5.19%
Term67 to 75 Months
Last UpdatedMar 15, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Used Auto
5.20%
Up to 5
▼
APR5.20%
TermUp to 5
Last UpdatedMar 20, 2026
Details
As Low As; Terms: 100% Purchase Price
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
227 Market St, Camden, NJ, 08102
Used Auto Loans - Model Years 2024-2025 (more than 20,000 miles)
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
Used Auto
5.24%
49 to 60
▼
APR5.24%
Term49 to 60
Last UpdatedMar 17, 2026
Details
49 to 60 Months
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.24%
36 - 47
▼
APR5.24%
Term36 - 47
Last UpdatedMar 20, 2026
Details
As Low As
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
494 Route 38 E, Maple Shade, NJ, 08052 2036
New/Used Auto
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 18, 2026
Details
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Older or High Mileage Used Auto
5.25%
4 Months
▼
APR5.25%
Term4 Months
Last UpdatedMar 20, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
Used Auto Loans
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 17, 2026
Details
2022 & Newer
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
501 Baltimore St, Phillipsburg, NJ, 08865 1845
Used Auto Loan Refinance Rate Special
5.39%
61 - 66
▼
APR5.39%
Term61 - 66
Last UpdatedMar 18, 2026
Details
As Low As
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
227 Market St, Camden, NJ, 08102
Used Auto Loans - Model Years 2021-2023
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
227 Market St, Camden, NJ, 08102
Used Auto Loans - Model Years 2024-2025 (more than 20,000 miles)
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
USED CAR LOANS
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 16, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
Used Auto Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; NJ vehicles only.
Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ, 07201
Used Car Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 ADP Blvd, Roseland, NJ, 07068
New & Used Vehicles
5.49%
Up to 2 years
▼
APR5.49%
TermUp to 2 years
Last UpdatedMar 15, 2026
Details
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
Used Auto
5.49%
61 to 72
▼
APR5.49%
Term61 to 72
Last UpdatedMar 17, 2026
Details
61 to 72 Months
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Used Auto 2025 & 2024
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 17, 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%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Used Auto Loan
5.49%
61-72
▼
APR5.49%
Term61-72
Last UpdatedMar 20, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Used Vehicle Loans
5.49%
48 - 59
▼
APR5.49%
Term48 - 59
Last UpdatedMar 20, 2026
Details
As Low As
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Frequently Asked Questions about Auto Loans in Neptune, 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 Neptune, 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 Neptune, 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 Neptune, New Jersey?
Based on our current data, some of the lowest auto loan rates available in Neptune, New Jersey include:
- United Teletech Financial Federal Credit Union: 4.24% (Auto Loans (New Vehicles only))
- First Financial Federal Credit Union: 4.49% (Auto Loan)
- First Atlantic Federal Credit Union: 4.74% (NEW AUTO)
- Baxter Credit Union: 3.24% (Auto Loans)
- Merck Employees Federal Credit Union: 3.25% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Neptune, New Jersey. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 20, 2026
