Credit union · NCUA insured
Central Jersey Police & Fire FCU Auto Loan Rates
Central Jersey Police & Fire FCU auto loans start at 4.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.
How Central Jersey Police & Fire FCU’s auto loan rates compare
Compared with banks and credit unions near Trenton, NJ, where Central Jersey Police & Fire FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Central Jersey Police & Fire FCU
4.99%APR
- Terms
- up to 60 months
- Up to
- 10.99% APR
- Discount
- None included
New Cars
Lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
New Jersey Law & Public Safety Credit Union
3.59%APR
- Terms
- 24–84 months
- Up to
- 14.69% APR
- Discount
- None included
Central Jersey Police & Fire FCU auto loan score
78
Auto loan score
Higher than 47% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Central Jersey Police & Fire FCU ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Cars
All loan applications must be accompanied by proof of income (2 pay stubs).
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.24%–11.24% | Best rate requires credit score of 700 and above; rates up to 11.24% for credit score 499 and below with Board Approval and Co Applicant. |
| up to 60 months | 4.99%–10.99% | Best rate requires credit score of 700 and above; rates up to 10.99% for credit score 499 and below with Board Approval and Co Applicant. |
| up to 48 months | 3.99%–9.99% | Best rate requires credit score of 700 and above; rates up to 9.99% for credit score 499 and below with Board Approval and Co Applicant. 48 Months or less. |
Sources (1)
- cjpolicefirefcu.org/rates · captured Oct 4, 2026
Used Cars
100% financing on cars less than 5 years old; 80% on cars older than 5 years based on current CARFAX retail value. All loan applications must be accompanied by proof of income (2 pay stubs).
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.24%–12.24% | Best rate requires credit score of 700 and above; rates up to 12.24% for credit score 499 and below with Board Approval and Co Applicant. |
| up to 60 months | 5.99%–11.99% | Best rate requires credit score of 700 and above; rates up to 11.99% for credit score 499 and below with Board Approval and Co Applicant. |
| up to 48 months | 4.99%–10.99% | Best rate requires credit score of 700 and above; rates up to 10.99% for credit score 499 and below with Board Approval and Co Applicant. 48 Months or less. |
Sources (1)
- cjpolicefirefcu.org/rates · captured Oct 4, 2026
Who can join Central Jersey Police & Fire FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.