Car Loans in NJ

Car loans in NJ provided by Members 1st FCU. Conctact us to learn more.New & Used Vehicle Loans

Come to Members 1st of NJ Federal Credit Union in Vineland, Bridgeton, or Woodstown 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).


Know Your Vehicle’s Value

Use our online links to determine what your current vehicle’s retail and trade-in values are, plus what the vehicle price should be.

CUDL®  Car Smart  Resources

Get the online research and resources you need to buy a new or used vehicle, including car buying tips, reviews, ratings, CarFax® used vehicle history reports, price quotes and more. There are also links to insurance providers and other car care products and services. The valuable information you need to make an informed car buying decision.

Protect Your Vehicle Investment With Gap Insurance

When your vehicle is stolen or damaged beyond repair, your insurance company may only pay what your new or used vehicle is worth, not your total loan balance. MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an insurance policy that helps cover the difference between your new or used vehicle’s value and your loan balance.

Help Preserve Your Standard of Living with  MEMBER’S CHOICE™ BORROWER SECURITY

Member’s Choice™ Borrower Security is a voluntary loan-payment protection product that helps preserve your family’s standard of living if a protected life event unexpectedly happens to you.

Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

Remember, A Factory Warrenty is not Enough!

Most major repairs occur after the manufacturer’s warrenty expires. Borrows are keeping their cars longer and repair costs keep rising. With an IWS Vehicle Service Agreement you can protect yourself from unexpected, high cost repairs. Not to mention, increase the resale value, if you choose to sell your vehicle.

The cost of top of the line coverage can be included in your loan payment for just pennies a day. For more information and to get a quote, simply call 1-800-333-3028 or click here for more information.

DrivingSense™…the smart choice in new and pre-owned vehicle financing!

How would you like a low payment car loan program that combines the best features of conventional financing along with the benefits of leasing! Sound too good to be true? Well, Members 1st of NJ FCU has the vehicle financing answer for you …. DrivingSense™!

Get low monthly NJ car loans with Members 1st FCU of NJ Driving Sense Program

DrivingSense™ gives you the best of both worlds. Like a lease, DrivingSense™ offers payments considerably lower than conventional financing. Yet, unlike leasing, with DrivingSense™ you own the vehicle and have all of the flexibility and benefits that come with vehicle ownership!

All new and up to four-year old cars, vans, and light trucks qualify for DrivingSense™ financing. Eligible vehicles can be financed for up to 72 months!  Other benefits of DrivingSense™ include:

  • No Capitalization Fees
  • No Application Fee
  • No Security Deposit
  • No Up Front First or Last Payment
  • Option to Sell, Trade, Finance Vehicle Anytime or
  • Return Vehicle at Loan Maturity and simply “Walk-away”.
  • No Early Payoff Penalty
  • 100% Financing with NO MONEY DOWN.
  • Mileage Options of 12,000, 15,000 and 18,000* Per Year Available

Want to find out how low your DrivingSense™ payment could be! Click here or on the DrivingSense™ Logo above to go to the DrivingSense™ CarBuilder calculator where you can build your car from the comfort of your own home.  For more information about DrivingSense™ call 856-696-0767 or visit a Members 1st Credit Union branch in South Jersey today!

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.

Applying Is Fast & Easy…

If you need help applying for NJ car loans, call or stop by a credit union branch location in Vineland, Woodstown, or Bridgeton ‒ or you can apply online when it’s convenient for you.

New Vehicle Rates

APRInfo and/or Terms
As low as 1.75%1-38 months
As low as 2.25%39-50 months
As low as 2.75%51-62 months
As low as 3.00%63-74 months ($15,000+)
As low as 3.25%75-84 months ($25,000+)

Used Vehicle Rates (Over 4 Years Old)

APRInfo and/or Terms
As low as 3.50%1-38 months
As low as 3.75%39-50 months
As low as 4.00%51-62 months

Used Vehicle Rates (Up To 4 Years Old)

APRInfo and/or Terms
As low as 1.75%1-38 Months
As low as 2.25%39-50 Months
As low as 2.75%51-62 Months


APRInfo and/or Terms
As low as 2.00%New
As low as 3.50%Used


APRInfo and/or Terms
As low as 2.00%New
As low as 3.50%Used

RV Loan Rates

APRInfo and/or Terms
As low as 1.75%New - Up to 144 Months
As low as 3.50%Used - Up to 60 Months


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