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Auto Refinance

Want to save money on the car you already own?

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

Auto Loan Refinance

Want a flexible option to save money on the vehicle you already own? With North Jersey Federal Credit Union you can switch your existing Auto loan and lower your payment by refinancing.


  • Competitive low rates
  • Low monthly payments
  • Extend the term of the loan that works best for you
  • Potential rate reduction when you open additional accounts
  • Up to 100% financing available

Specialty Vehicle Loan Options Available:

  • Classic Cars
  • Motorcycle
  • Recreational Vehicles
  • Boats (New Only)
*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 3-Year, Fixed-Rate New Car Loan for $15,000 would have 36 monthly payments of $455.35 each, at an Annual Percentage Rate (APR) of 5.85%. 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.

Set Up Auto Pay

Payment Options

Refinance Today! Get an idea what your payments could look like?

Take the Stress Out Making the Switch!

Allow our Team be the middle man between you and your current auto-loan financier. We’ll walk you through the process in refinancing with North Jersey FCU… All in an effort to lower your payment, alter your payment schedule, and get ahead of your current auto loan payments!


Refinance Your Car

Apply for a Loan, get a decision, become a North Jersey Federal CU Member. Click “Apply Today” to Start!

Call  973-785-9200 | email: [email protected]

Additional Loan Products & Services

New Car Loan

New Cars

New Auto Loans have the rates and terms you need to get a great deal on your next New Vehicle.

Used Car Loan

Used Cars

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

Auto Link

Auto Link™

Auto Link™ allows you to search for vehicles, find local dealers, take virtual test drives, and more.