Credit union · NCUA insured
New Jersey Law & Public Safety Credit Union Auto Loan Rates
Top CarrotNew Jersey Law & Public Safety Credit Union auto loans start at 3.59% APR for a new vehicle and 4.34% for a used one. Rates checked October 22, 2026.
How New Jersey Law & Public Safety Credit Union’s auto loan rates compare
Compared with banks and credit unions near Trenton, NJ, where New Jersey Law & Public Safety Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
New Jersey Law & Public Safety Credit Union
3.59%APR
- Terms
- 24–84 months
- Up to
- 14.69% APR
- Discount
- None included
New Auto Loans
Lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
3rd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New Jersey Law & Public Safety Credit Union auto loan score
96
Auto loan score
Higher than 98% of U.S. banks and credit unions
- New vehicleNew3.59%
- Used vehicleUsed4.34%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where New Jersey Law & Public Safety Credit Union 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.
2026 Promotion New Auto Loans
Promotion running February 2nd to April 30th. Refer a new member to receive a 0.25% APR discount on new and used auto loans rates alongside a $50.00 one-time deposit to new member savings account; must open checking account to qualify. Lending up to 100% of Kelley Blue Book New and Used Car Guide. Approval based on underwriting.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.59%–13.74% | 30% Down; Credit score 499 to 800+ (best credit 700-800+ for minimum APR). |
| — | 3.34%–13.49% | 30% Down w/payroll; Credit score 499 to 800+ (best credit 700-800+ for minimum APR). |
| — | 4.04%–14.19% | 15% Down; Credit score 499 to 800+ (best credit 700-800+ for minimum APR). |
| — | 3.79%–13.94% | 15% Down w/payroll; Credit score 499 to 800+ (best credit 700-800+ for minimum APR). |
| — | 4.54%–14.69% | 100% Financing; Credit score 499 to 800+ (best credit 700-800+ for minimum APR). |
| — | 4.29%–14.44% | 100% w/payroll; Credit score 499 to 800+ (best credit 700-800+ for minimum APR). |
Sources (1)
- njlpscu.org/friends-family-auto-loan-sale · captured Oct 4, 2026
2026 Promotion Used Auto Loans
Promotion running February 2nd to April 30th. Refer a new member to receive a 0.25% APR discount on new and used auto loans rates alongside a $50.00 one-time deposit to new member savings account; must open checking account to qualify. Lending up to 100% of Kelley Blue Book New and Used Car Guide. Approval based on underwriting.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.34%–15.69% | 30% Down; Credit score 499 to 800+ (best credit 700-800+ for minimum APR). |
| — | 4.09%–15.44% | 30% Down w/payroll; Credit score 499 to 800+ (best credit 700-800+ for minimum APR). |
| — | 4.79%–16.14% | 15% Down; Credit score 499 to 800+ (best credit 700-800+ for minimum APR). |
| — | 4.54%–15.89% | 15% Down w/payroll; Credit score 499 to 800+ (best credit 700-800+ for minimum APR). |
| — | 5.29%–16.64% | 100% Financing; Credit score 499 to 800+ (best credit 700-800+ for minimum APR). |
| — | 5.04%–16.39% | 100% w/payroll; Credit score 499 to 800+ (best credit 700-800+ for minimum APR). |
Sources (1)
- njlpscu.org/friends-family-auto-loan-sale · captured Oct 4, 2026
New Auto Loans
Must be an existing member to apply for a loan. We lend 100% of Kelly Blue Book - New Car Guide. Rate is determined by credit risk score. Additional savings of .25% if payroll deducted. 30% down for lowest rate. Rate match offered from another lender if it beats credit union rates.
| Terms | APR | Conditions |
|---|---|---|
| 24–84 months | 3.59%–14.69% | Rate is determined by credit risk score; 30% down for lowest rate; additional .25% discount if payroll deducted. |
Sources (3)
All captured Oct 4, 2026
Title Loan
Must be an existing member to apply for a loan. Uses automobile title as collateral. We lend 100% of Kelly Blue Book. Rate is determined by credit risk score.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.75%–14.75% | Rate is determined by credit risk score. We lend 100% of Kelly Blue Book. |
Used Auto Loans
Must be an existing member to apply for a loan. We lend 100% of Kelly Blue Book - Used Car Guide. Terms determined by age of car (up to 7 years). Rate is determined by credit risk score. Additional savings of .25% if payroll deducted. 30% down for lowest rate. Rate match offered from another lender if it beats credit union rates.
| Terms | APR | Conditions |
|---|---|---|
| 24–84 months | 4.34%–16.64% | Rate is determined by credit risk score; terms determined by age of car - up to 7 years; 30% down for lowest rate; additional .25% discount if payroll deducted. |
Sources (3)
All captured Oct 4, 2026
Who can join New Jersey Law & Public Safety Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Membership is open to employees and retirees of the Office of Law and Public Safety (inclusive of the Division of Motor Vehicles), employees of the New Jersey Judiciary, employees of the Office of the Public Defender, and Credit Union employees.
Family and household
- Membership is open to immediate families of eligible employees and retirees.
Membership information collected October 5, 2026.