*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.

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Looking to protect your car from unanticipated and expensive repair costs?  With Mechanical Breakdown Protection (MBP) you are protected from expensive vehicle repair bills, at a 30-50% savings from the cost of dealer’s plans for this type of protection. Our MBP plan can save you time and thousands of dollars on major automobile repairs. Through the MBP plan, you can take your vehicle to any licensed repair facility in the U.S. and Canada. Multiple deductible options available to you.