Searching for new or USED cars has never been easier! Our team can work with you to find the right vehicle with our Car search tool called Auto Link™.

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Used Auto Loan Rates

*APR = Annual Percentage Rate. Rates are subject to change without notice and restrictions may apply. Rates apply to new and used vehicle model years 2021-26. Rates may vary depending on creditworthiness, loan term and value of your vehicle. DMV and other fees may apply. A document preparation fee of $159.00 applies. A 5-Year, Fixed-Rate New Car Loan for $20,000 would have 60 monthly payments of $379.50 each, at an APR of 4.90%. This rate includes a 0.25% deduction if receiving direct deposit or payroll of at least $250 per month into an NJFCU checking account. This rate includes a 0.60% deduction if monthly automatic loan payments are elected from an NJFCU draft account. A 10% minimum downpayment on the purchase price of the vehicle is required for this rate to apply. The maximum term to qualify is 60 months. The promotional rate does not apply to refinanced NJFCU loans. Loans from other financial institutions qualify for refinancing. All applications must be submitted between February 1st and April 30th, 2026 at 11:59 pm EST. See a Representative for more details. Offer may be discontinued at any time.

Additional Loan Products & Services