Used Cars

Shopping for a Used Auto Loan?

Apply Today

Rates as low as 6.25% APR*

Get Pre-Approved Today, We make it easier to buy the new car you want

Used Cars

NJFCU Used Auto Loans have the rates and terms you need to get behind the wheel.

Benefits:

Get pre-approved before you search for a vehicle;
Low rates for used vehicles and flexible terms;
Flexible terms up to 60 months
Up to 100% financing available of the full purchase price

Apply Today

How much will my payments be?

*APR = Annual Percentage Rate. Rates are subject to change without notice and restrictions may apply. Rates apply to new vehicles. Rates may vary depending on credit, loan amount, loan term and value of your vehicle. DMV and other fees may apply. A document preparation fee of $149.00 applies. A 3-Year, Fixed-Rate New Car Loan for $15,000 would have 36 monthly payments of $457.99 each, at an Annual Percentage Rate (APR) of 6.25%. This rate includes a .25% deduction if using direct deposit of at least $250 into an NJFCU checking account. If direct deposit is not selected, the APR is .25% higher than the published APR. Autos over $100K, rate increases by 0.25%; over $200K, rate increases by 0.50%. Additional discounts may not be applied.

Can’t Find the Right Car within Your Budget?

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™.

The New Way to Buy a Car.

Quickly find your next vehicle with Auto Link™, your Car Buying Tool. Auto Link™ allows you to search for vehicles, find local dealers, take virtual test drives, and more.

5/1 Adjustable-rate mortgage (ARM)
Finance rates and APRs are valid as of 08/25/2025 and are subject to change without notice. As of 08/25/2025, a sample $100,000, 5/1 ARM conforming mortgage APR is subject to change daily, with a monthly payment of $8.58 per thousand. APRs are subject to change. Estimated monthly payment does not include taxes and insurance premiums, and the actual monthly payment will be greater. Program is available in New Jersey only for single-family, owner occupied 1-4 units , owner-occupied homes with a minimum loan amount of $100,000 and a maximum equal to conforming loan limits. Mortgage must be in first lien position. First adjusted interest rate cap 2.00%, Subsequent adjusted interest rate cap 2.00%, rate adjustment frequency of 12 months. Fees Apply.

The information in the rate table below may not fully be viewable on certain smaller resolution devices. Please scroll the table contents or you can rotate your device to landscape orientation to ensure you are viewing the entire table contents.

Used Auto Loan Rates

Term Months	Interest	APR*
12 mos.	as low as	6.25%
24 mos.	as low as	6.25%
36 mos.	as low as	6.25%
48 mos.	as low as	6.25%
60 mos.	as low as	6.25%

*APR = Annual Percentage Rate. Rates are subject to change without notice and restrictions may apply. Rates apply to new vehicles. Rates may vary depending on credit, loan amount, loan term and value of your vehicle. DMV and other fees may apply. A document preparation fee of $149.00 applies. A 3-Year, Fixed-Rate New Car Loan for $15,000 would have 36 monthly payments of $457.99 each, at an Annual Percentage Rate (APR) of 6.25%. This rate includes a .25% deduction if using direct deposit of at least $250 into a NJFCU checking account. If direct deposit is not selected, the APR is .25% higher than the published APR. Autos over $100K, rate increases by 0.25%; over $200K, rate increases by 0.50%. Additional discounts may not be applied.