New Cars

Get a Great Deal on a New Car

Rates as low as 4.50% APR*

We make it easier to buy the new car you want.
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Auto Loans For New Cars

At North Jersey Federal Credit Union our auto loans have the rates and terms you need to get a great deal on your next vehicle. Whether you’re looking to buy a new or used car, or want to refinance your car loan from another lender, we can help.

New Auto Loan Benefits:

Get pre-approved before you search for a vehicle
Low rates for new vehicles
Flexible terms up to 72 months for a wide variety of vehicles or 84 months (luxury vehicles)
Up to 100% financing available of the full purchase price
Potential rate reduction when you open additional accounts
Set up convenient Auto-Pay for payments

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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.

It’s Time to Upgrade to Your Dream Vehicle!

Upgrading to a new vehicle may seem like a large expense at first, but you’ll start to notice the savings instantly! Spend less time refueling and more time on the open-road. Avoid the surprise visits to the mechanic, and stick to a regular maintenance schedule.

Who doesn’t like rolling through their neighborhood in shiny-new wheels!?

Rates Effective as of February 15, 2025

North Jersey FCU reserves the right to change the rates without notice if necessary. There are times when this update may be experiencing technical difficulties and may not be able to be updated in a timely fashion. APR = Annual Percentage Rate. Restrictions may apply. Rate determined by credit score. Other rates may apply. We attempt to keep this page as updated as possible. However, from time to time system maintenance and other circumstances may prevent us from doing so. Therefore any rates quoted on this web page are subject to change. We are not financially responsible for typographical errors.

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.

New Auto Loan Rates

Term Months	Interest	APR* (Annual Percentage Rate)
12 mos.	as low as	4.50%
24 mos.	as low as	4.50%
36 mos.	as low as	4.50%
48 mos.	as low as	4.50%
60 mos.	as low as	4.50%
72 mos.	as low as	6.85%
84 mos.	as low as	7.10%

*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.

Enroll in Auto-Pay

You can have your vehicle loan payment automatically deducted from your NJFCU Savings or Checking Account, and save yourself the hassle of writing a check each month.

GAP Insurance

Gap insurance is an optional, add-on car insurance coverage that can help select drivers cover the “gap” between the amount they owe on their car and the car’s actual cash value in the event of an accident. A car’s actual cash value is the car’s monetary value at the time of the accident, not the car’s original price.

Major Mechanical Breakdown Protection (MBP)

Once your vehicle’s factory warranty expires, it is no longer covered if it experiences an unexpected mechanical breakdown. Mechanical Breakdown Protection can replace that protection.