Compare Bank & Credit Union Rates
Best auto loan rates, new and used
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 1–7 of 7 in Vineland, NJ metro · median 5.24% APR
- Bay Atlantic Federal Credit UnionAuto Loan (Model Year 2027 - 2024) · up to 72 months
Credit union · 2 branches
3.99%APRas low asTerms
Borrow up to 125% Loan to Value. 72 monthly payments of $15.64 when you borrow $1,000.00.
Auto loan score 94 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.55%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APR requires auto payment. 60-day first payment deferral. Does not apply to existing Members 1st of NJ FCU loan refinancing. Rates effective April 1, 2026.
Auto loan score 83 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% rate reduction for automatic payment from a First Harvest Checking Account.
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 75 · Carrot Score 95
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 - 5.64%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 - 7.34%APRas low as · up to 13.59%with conditions
7.34% APR, up to 13.59%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For new and used 1-3 year old automobiles not exceeding 125% LTV. Minimum loan amount $2,500.
Auto loan score 61 · Carrot Score 78
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 Vineland, NJ metro
7 banks and credit unions · checked Oct 16–22
- Typical
- 5.24%
- Top 10% up to
- 4.33%
- Banks, typical
- 5.64%
- Credit unions, typical
- 4.77%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Vineland, NJ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bridgeton Onized Federal Credit UnionCredit union · 2 branches
- First Harvest Credit UnionCredit union · 1 branch
- Bay Atlantic Federal Credit UnionCredit union · 2 branches