Used Cars
Shopping for a Used Auto Loan?
Rates as low as 5.25% APR*
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*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.
Rates Effective as of May 1, 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.
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Used Auto Loan Rates
| Term Months | Interest | APR* |
|---|---|---|
| 12 mos. | as low as | 5.25% |
| 24 mos. | as low as | 5.25% |
| 36 mos. | as low as | 5.25% |
| 48 mos. | as low as | 5.25% |
| 60 mos. | as low as | 5.25% |
*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.
Additional Loan Products & Services
New Cars
New Auto Loans have the rates and terms you need to get a great deal on your next New Vehicle.
Auto Refinance
Refinancing is made easy at NJFCU with our low interest rates.
Auto Link™
Auto Link™ allows you to search for vehicles, find local dealers, take virtual test drives, and more.