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).
Applying Is Fast & Easy…
If you need help applying for vehicle loans in New Jersey, call or stop by one of our branch location in Vineland, Woodstown, or Bridgeton ‒ or you can apply online when it’s convenient for you.
Save More with our Preferred Partners
What’s not to like about extra discounts? Purchase a vehicle from one of our preferred partners and receive an additional .50% APR rate discount*.
* APR = Annual Percentage Rate. APR may vary based on creditworthiness, loan amount, and security offered. Rate discount applies to vehicle purchased from Team Nissan or RK Auto Group only and for qualified borrowers. May not be combined with any other special offers or discounts.
Check Out Other Car Buying Options
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 Warranty is not Enough!
Most major repairs occur after the manufacturer’s warranty expires. Borrowers 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, it will increase the 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.
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.
New Vehicle Rates
| APR | Info 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+) New Vehicles Only |
| As low as 3.25%* | 75-84 months ($25,000+) New 80% LTV |
Used Vehicle Rates (Over 4 Years Old)
| APR | Info and/or Terms |
|---|---|
| As low as 3.75%* | 1-38 months |
| As low as 4.00%* | 39-50 months |
| As low as 4.25%* | 51-62 months |
Used Vehicle Rates (Up To 4 Years Old)
| APR | Info 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 |
Motorcycles
| APR | Info and/or Terms |
|---|---|
| As low as 1.75%* | Model Year 2016 - 2020 |
| As low as 3.75%* | Model Year 2012 - 2015 |
| As low as 5.75% | Model Year Older than 2012 |
Boats
| APR | Info and/or Terms |
|---|---|
| As low as 1.75%* | Model Year 2016 - 2020 |
| As low as 3.75%* | Model Year 2012 - 2015 |
| As low as 5.75% | Model Year Older than 2012 |
RV Loan Rates
| APR | Info and/or Terms |
|---|---|
| As low as 1.75%* | Model Year 2016 - 2020 - Up to 144 Months |
| As low as 3.75%* | Model Year 2012 - 2015- Up to 60 Months |
*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.
