Compare Bank & Credit Union Rates
Best auto loan rates in New Jersey
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 31–45 of 88 in New Jersey · median 5.25% APR
- 5.00%APRas low as
Terms
Loan amounts of $14,999 or lower have a maximum term of 60 months. Loan of $15,000 or higher have a maximum term of 84 months. APR as low as 5.00%.
Auto loan score 82 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 100% Purchase Price. Rate includes 0.25% reduction for automatic payments from Motion account.
Auto loan score 76 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Final rates are determined based on credit score and other factors.
Auto loan score 75 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Auto Pay rate
Auto loan score 72 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as
Terms
Rates are subject to change & based on an individual’s credit history.
Auto loan score 77 · Carrot Score 73
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 - 5.19%APRas low as
Terms
APR as low as 5.19%. Monthly payment per $1,000 borrowed is $18.96. Rates, terms and conditions vary based on creditworthiness and qualifications.
Auto loan score 75 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Auto loan score 82 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rates as low as 5.24% APR quoted for the lowest tier, if qualified. Rates may vary and are subject to change. Up to 100% financing available.
Auto loan score 79 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Preferred APR for term of 5 years or less. Requires payment by Payroll Deduction with Automatic Payment for preferred rate.
Auto loan score 79 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as APR requires automatic monthly payment. 49 to 66 months.
Auto loan score 79 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Auto loan score 75 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
As low as rate for terms 61 to 72 months. Rates vary based on creditworthiness, LTV, terms, and other factors.
Auto loan score 75 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - Advanced Financial Federal Credit UnionNew Vehicle/Motorcycle · up to 72 months
Credit union · 4 branches
5.25%APRas low asAuto loan score 72 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Auto loan score 72 · Carrot Score 68
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 New Jersey
88 banks and credit unions · checked Oct 16–22
- Typical
- 5.25%
- Top 10% up to
- 4.35%
- Banks, typical
- 6.74%
- Credit unions, typical
- 5.24%
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 Jersey
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Altra Federal Credit UnionCredit union · 1 branch
- PenFed Credit UnionCredit union · 1 branch
- Bridgeton Onized Federal Credit UnionCredit union · 2 branches