Please ensure Javascript is enabled for purposes of website accessibility

Used Cars

Shopping for a Used Auto Loan?

Rates as low as 6.10% 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 72 months
    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
*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.

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.

Autolink

Rates Effective as of June 1, 2024

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.

Used Auto Loan Rates

Term MonthsAPR*
12 mos.as low as6.35%
24 mos.as low as6.35%
36 mos.as low as6.35%
48 mos.as low as6.60%
60 mos.as low as6.60%
72 mos.as low as7.10%
84 mos.as low as7.35%

*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.

IRA2

Get Pre-Approved

For more information, contact our Loan Department
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.

Auto Loan Refinance

Auto Refinance

Refinancing is made easy at NJFCU with our low interest rates.

Auto Link

Auto Link™

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