Vehicle Loans

New & Used Vehicle Loans

NJFCU vehicle loans have the rates and terms you need to get a great deal on your next vehicle. We offer 100% financing of the full purchase price (including taxes and title fees, etc.) with terms up to 72 months on a wide variety of vehicles. Luxury vehicles may be financed up to 84 months. Check out all that our Vehicle Loans have to offer, then click below to apply for one!

(Vehicles of higher mileage or over 5 years old
are subject to different terms and pricing and to contact us or visit a branch for additional details.)

Apply Today!
  • Automobiles
  • Classic Cars
  • Motorcycles
  • Recreational Vehicles
  • Boats (new only)

We provide the following services to help make your vehicle shopping convenient and hassle-free:

  • 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.


The New Way to Buy a Car.

Quickly find your next vehicle with Auto Link™, powered by TrueCar®. Auto Link™ allows you to research vehicles, find local dealers, take virtual test drives, and more.

Click here

Allied Solutions

NJFCU offers Guaranteed Asset Protection (GAP) when you finance a new or used vehicle with NJFCU. GAP is a voluntary program to protect you if your car is totaled or stolen and not recovered. GAP is not an offer of insurance and does not replace your standard Comprehensive, Collision and Liability – it only enhances them.

Mechanical Breakdown Protection (MBP) you are protected from expensive car repair bills, at a 30-50% savings from the cost of dealer’s plans for this type of protection. Our MBP plan can save you time and thousands of dollars on major automobile repairs. Through the MBP plan, you can take your vehicle to any licensed repair facility in the U.S. and Canada for a low, per-visit deductible.

*An application fee may apply. Please see your Membership Service Representative (MSR) for more details.