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 61–75 of 88 in New Jersey · median 5.25% APR
- 5.54%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% reduction for automatic payments from an Affinity account.
Auto loan score 66 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 5.55%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
*As low as rates include all available discounts. Not all applicants qualify your rate may be different. Amount financed allowable on all Used Vehicles: Average Loan from Retail of NADA Retail Value Amount financed allowable on all New Vehicles: Total Purchase Price (includes MSRP, tax, title and tags)
Auto loan score 65 · Carrot Score 61
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 - 5.74%APRas low as
Terms
Model Year 2027, 7,500 miles or less. APR as low as. Rates based on evaluation of applicant credit.
Auto loan score 67 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Auto loan score 66
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 - 5.75%APRas low as
Terms
Rate starts at 5.75% APR for 60 months. Subject to credit approval and creditworthiness. Vehicle condition: New & Used. Stated fee: $99.00 auto loan processing fee.
Auto loan score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Starting APR; rates based on credit review.
Auto loan score 65 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Auto loan score 65 · Carrot Score 64
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 - 5.79%APRas low as · up to 8.04%
5.79% APR, up to 8.04%
Terms
2027, 2026, and 2025 Model Vehicles. Monthly payment $18.45 - $19.51 per $1,000. Stated APR depends on credit score.
Auto loan score 68 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.85%APRas low as
Terms
Rates shown are the as low as rates for qualified applicants based on creditworthiness. Rate discounts available.
Auto loan score 68 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.95%APRas low as
Terms
For model year 2026. Rate is reduced by 0.50% (to 5.45% APR) if Equifax credit score is 750 or above. Up to 84 months. 10 or 12 payments a year. Car must have less than 2,500 miles to be considered new.
Auto loan score 64 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
Rates are based on credit score.
Auto loan score 66 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low aswith conditions
This rate needs autopay.
Terms
Credit score 700 and above. Payment per $1,000 monthly is $16.57.
Auto loan score 63 · Carrot Score 61
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