Credit union · NCUA insured
North Jersey Federal Credit Union Auto Loan Rates
North Jersey Federal Credit Union auto loans start at 5.50% APR for a new vehicle and 6.00% for a used one. Rates checked October 22, 2026.
How North Jersey Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where North Jersey Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
North Jersey Federal Credit Union
5.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loans
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
North Jersey Federal Credit Union auto loan score
65
Auto loan score
Higher than 15% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where North Jersey Federal 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.
New Auto Loans
Membership eligibility requirements apply. 100% financing available of full purchase price with terms up to 72 months (up to 84 months for luxury vehicles). Direct deposit of at least $250/mo into NJFCU checking gives 0.25% deduction (included in published APR). Rates apply to new vehicles. Document preparation fee of $159.00 applies. Rate increases for autos over $100K (+0.25%) and over $200K (+0.50%).
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 5.50% | As low as 5.50% APR. Rates apply to new vehicles. Includes 0.25% deduction for direct deposit of >=$250/mo into NJFCU checking. Autos >$100K +0.25%, >$200K +0.50%. Document preparation fee $159.00 applies. |
| up to 24 months | 5.50% | As low as 5.50% APR. Rates apply to new vehicles. Includes 0.25% deduction for direct deposit of >=$250/mo into NJFCU checking. Autos >$100K +0.25%, >$200K +0.50%. Document preparation fee $159.00 applies. |
| up to 36 months | 5.50% | As low as 5.50% APR. Rates apply to new vehicles. Includes 0.25% deduction for direct deposit of >=$250/mo into NJFCU checking. Autos >$100K +0.25%, >$200K +0.50%. Document preparation fee $159.00 applies. |
| up to 48 months | 5.50% | As low as 5.50% APR. Rates apply to new vehicles. Includes 0.25% deduction for direct deposit of >=$250/mo into NJFCU checking. Autos >$100K +0.25%, >$200K +0.50%. Document preparation fee $159.00 applies. |
| up to 60 months | 5.50% | As low as 5.50% APR. Rates apply to new vehicles. Includes 0.25% deduction for direct deposit of >=$250/mo into NJFCU checking. Autos >$100K +0.25%, >$200K +0.50%. Document preparation fee $159.00 applies. |
| up to 72 months | 7.10% | As low as 7.10% APR. Rates apply to new vehicles. Includes 0.25% deduction for direct deposit of >=$250/mo into NJFCU checking. Autos >$100K +0.25%, >$200K +0.50%. Document preparation fee $159.00 applies. |
| up to 84 months | 7.35% | As low as 7.35% APR for luxury vehicles. Rates apply to new vehicles. Includes 0.25% deduction for direct deposit of >=$250/mo into NJFCU checking. Autos >$100K +0.25%, >$200K +0.50%. Document preparation fee $159.00 applies. |
Used Auto Loans
Membership eligibility requirements apply. Flexible terms up to 60 months. Up to 100% financing available of full purchase price. Rates apply to used vehicle model years 2021-26. Rates may vary depending on creditworthiness, loan term and value of your vehicle. Direct deposit or payroll of at least $250 per month into an NJFCU checking account includes a 0.25% deduction. Document preparation fee of $159.00, DMV, and other fees may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 6.00% | As low as 6.00% APR. Rates apply to used vehicle model years 2021-26. Rate includes a 0.25% deduction if receiving direct deposit or payroll of at least $250 per month into an NJFCU checking account. Document preparation fee $159.00 applies. |
| up to 24 months | 6.00% | As low as 6.00% APR. Rates apply to used vehicle model years 2021-26. Rate includes a 0.25% deduction if receiving direct deposit or payroll of at least $250 per month into an NJFCU checking account. Document preparation fee $159.00 applies. |
| up to 36 months | 6.00% | As low as 6.00% APR. Rates apply to used vehicle model years 2021-26. Rate includes a 0.25% deduction if receiving direct deposit or payroll of at least $250 per month into an NJFCU checking account. Document preparation fee $159.00 applies. |
| up to 48 months | 6.00% | As low as 6.00% APR. Rates apply to used vehicle model years 2021-26. Rate includes a 0.25% deduction if receiving direct deposit or payroll of at least $250 per month into an NJFCU checking account. Document preparation fee $159.00 applies. |
| up to 60 months | 6.00% | As low as 6.00% APR. Rates apply to used vehicle model years 2021-26. Rate includes a 0.25% deduction if receiving direct deposit or payroll of at least $250 per month into an NJFCU checking account. Document preparation fee $159.00 applies. |
Who can join North Jersey Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons who live, work, regularly conduct business in, worship, or attend school in, as well as businesses and other legal entities located in Bergen County, Essex County, Hudson County, Passaic County, or specified municipalities in Morris County (Denville, Dover, Florham Park, Hanover, Morris, Morristown Town, Rockaway Borough, Rockaway Township) and Union County (Elizabeth, Linden, Roselle).
Family and household
- Membership is open to immediate family members, including spouse, parent, stepparent, child, stepchild, sibling, stepsibling, grandchild, grandparent, or great grandparent.
Membership information collected October 5, 2026.