Members 1st of NJ FCU offers low auto loan rates on new and used vehicles for members across South Jersey. As a not-for-profit credit union, Members 1st of NJ FCU often prices below dealer and bank financing. Get pre-approved and apply online in minutes to compare our current rates below.
Ready to Finance a New or Used Vehicle?
Come to Members 1st of NJ Federal Credit Union in Vineland or Bridgeton when you’re ready to finance a new or used vehicle, including ATVs, Boats, and RVs. You can finance up to 100% of the value, including tax, tags, and extended warranties, plus choose a repayment term up to 84 months (144 months for RVs).
Applying Is Fast & Easy…
If you need help applying for vehicle loans in New Jersey, call or stop by one of our branch locations in Vineland or Bridgeton ‒ or you can apply online when it’s convenient for you.
*APR = Annual Percentage Rate. Rates are subject to change without notice. APR may vary based on creditworthiness. Rates shown are discounted 0.25% APR for automatic payments through payroll deduction, direct deposit, or ACH payments.
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Save with Our Preferred Partners
What’s not to like about extra discounts? Purchase a vehicle from our preferred partner and receive an additional .50% APR rate discount*.
Check Out Other Car Buying Options
Refinance and Save
When you refinance a loan you have elsewhere at Members 1st, you could save money instantly. Fill out the online application or call the credit union for details.
Apply Online Today
Go Green
Go Green with Members 1st Loans for Energy Efficient Upgrades!
Take advantage of a Members 1st energy efficiency loan program to purchase a fuel-efficient vehicle. You’ll enjoy a special 1.00% Rate Discount and get the terms you need to go green. You’ll save money with lower fuel and energy costs plus help preserve the environment.
Call or stop by one of our branch locations for the details or apply online today.
Current Auto Loan Rates
New and Used Vehicle Rates (up to 4 years old)
| APR | APY | Info and/or Terms |
|---|---|---|
| As low as 4.80%* | 1-38 months | |
| As low as 5.05%* | 39-50 months | |
| As low as 5.30%* | 51-62 months | |
| As low as 5.80%* | 63-74 months ($15,000+) New Vehicles Only | |
| As low as 6.05%* | 75-84 months ($25,000+) |
Boats
| APR | APY | Info and/or Terms |
|---|---|---|
| As low as 6.50%* | Model Year 2022-2026 | |
| As low as 7.45%* | Model Year 2018 - 2021 | |
| As low as 8.00%* | Model Year Up to 2017 |
Motorcycles
| APR | APY | Info and/or Terms |
|---|---|---|
| As low as 6.65%* | Model Year 2022 - 2026 | |
| As low as 7.70%* | Model Year 2018 - 2021 |
RV Loan Rates
| APR | APY | Info and/or Terms |
|---|---|---|
| As low as 6.50%* | Model Year 2022 - 2026- Up to 144 Months | |
| As low as 7.45%* | Model Year 2018- 2021- Up to 144 Months |
Auto Loan FAQs
What is the current interest rate for car loans in NJ?
Auto loan rates in NJ depend on the vehicle’s age, your loan term, and your credit. Members 1st of NJ FCU publishes current new and used auto loan rates on this page, and credit-union rates are often lower than dealer or bank financing.
What is a good APR for a 72-month car loan?
A good APR depends on your credit tier and the market, but longer terms like 72 months usually carry higher rates than shorter ones. Compare the APR and total interest, not just the monthly payment, and check our current rates for your term.
Is it better to get a car loan from a credit union?
Credit unions like Members 1st of NJ FCU are not-for-profit and often return value to members through lower auto loan rates and flexible terms. Getting pre-approved before you shop also gives you negotiating power at the dealership.
Can I refinance my car loan in NJ?
Yes. If rates have dropped or your credit has improved since you financed, refinancing can lower your rate or monthly payment. Members 1st of NJ FCU offers auto refinancing; check current rates to see if it makes sense for you.
How do I apply for an auto loan with Members 1st of NJ FCU?
You can apply online in minutes through our secure online application, by phone, or at a branch. Having your income, vehicle, and trade-in details ready helps speed up approval.