Used Cars
Shopping for a Used Auto Loan?
Rates as low as 4.10% APR*
Get Pre-Approved Today, We make it easier to buy the new car you want
*APR = Annual Percentage Rate. Rates Are Subject To Change Without Notice And Restrictions May Apply. Rates Apply To Used Vehicles. Rates May Vary Depending On Credit, Loan Amount, Loan Term And Value Of Your Vehicle. The Year And Mileage Of A Used Car Will Affect Terms And Rates. DMV And Other Fees May Apply. A 3-Year, Fixed-Rate Used Car Loan For $15,000 Would Have 36 Monthly Payments Of $448.66 Each, At An Annual Percentage Rate (APR) Of 4.85%. Members with auto-pay, direct deposit, and a NJFCU MasterCard credit card may be eligible for an Annual Percentage Rate (APR) deduction of 0.75%.**Refinancing APR Rates Are Subject To Change Without Notice And Restrictions Apply
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 31st, 2023
All rates are subject to change at the Credit Union's Discretion
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Used Auto Loan Rates
| Term Months | APR* | |
|---|---|---|
| 12 mos. | as low as | 4.85% |
| 24 mos. | as low as | 4.85% |
| 36 mos. | as low as | 4.85% |
| 48 mos. | as low as | 5.25% |
| 60 mos. | as low as | 5.25% |
| 72 mos. | as low as | 6.00% |
| 84 mos. | as low as | 6.50% |
*APR = Annual Percentage Rate. Rates Are Subject To Change Without Notice And Restrictions May Apply. Rates Apply To Used Vehicles. Rates May Vary Depending On Credit, Loan Amount, Loan Term And Value Of Your Vehicle. The Year And Mileage Of A Used Car Will Affect Terms And Rates. DMV And Other Fees May Apply. A 3-Year, Fixed-Rate Used Car Loan For $15,000 Would Have 36 Monthly Payments Of $448.66 Each, At An Annual Percentage Rate (APR) Of 4.85%. Members with auto-pay, direct deposit, and a NJFCU MasterCard credit card may be eligible for an Annual Percentage Rate (APR) deduction up to 0.75%.**Refinancing APR Rates Are Subject To Change Without Notice And Restrictions Apply.
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.