Compare Bank & Credit Union Rates
Best auto loan rates in West Orange, NJ
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–15 of 19 in Essex County, NJ · median 5.50% APR
- 3.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character.
Auto loan score 93 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.09%APRas low as · up to 13.14%with conditions
4.09% APR, up to 13.14%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes up to 0.90% discount. Rates based on creditworthiness and percentage down.
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Term 49 to 60 months. APR based on credit worthiness, loan type, loan to value and term of loan. Vehicle retail value must be $5,000 or greater.
Auto loan score 85 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 79 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low as
Terms
APR as low as based on creditworthiness and underwriting standards. Up to 0.50% rate discount for all-electric/plug-in electric vehicles and switching to eStatements.
Auto loan score 81 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - Advanced Financial Federal Credit UnionNew Vehicle/Motorcycle · up to 72 months
Credit union · 1 branch
5.25%APRas low asAuto loan score 72 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Up to 100% financing (including tax and tags). Rate based on borrower's creditworthiness and subject to change without notice. Terms up to 84 months.
Auto loan score 72 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - Division 819 Transit Employees Credit UnionNew Cars / M.C. Loan · up to 60 months
Credit union · 1 branch
5.50%APRas low as · up to 9.50%5.50% APR, up to 9.50%
Terms
Interest rate is based on credit score: 5.5% per annum for FICO 700 and above; 6% per annum for FICO 600-699; 6.5% per annum for FICO 500-599; 8.5%, 9%, or 9.5% per annum for No Score (dependent on debt-to-income ratio). FICO scores below 500 declined.
Auto loan score 67 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Auto loan score 67 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
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.
Auto loan score 65 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Auto loan score 68 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.77%APRas low as
Terms
As low as rate for a new Capital One auto loan in October for individuals with excellent credit characteristics.
Auto loan score 65 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Essex County, NJ
19 banks and credit unions · checked Oct 16–22
- Typical
- 5.50%
- Top 10% up to
- 4.61%
- Banks, typical
- 6.24%
- Credit unions, typical
- 5.38%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
New York, NY-NJ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union · 1 branch
- BTG Pactual Bank, National AssociationBank · 1 branch
- USALLIANCE FinancialCredit union · 3 branches