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I have been a member at this credit union for over 20 years. The staff there are FANTASTIC! Very personable and always happy to help.
— N. Falcon (Google)
Finding a Car Is Easy. Finding the Right Loan Is Harder.
Buying a car shouldn’t come with second-guessing.
But, for most people, the hesitation doesn’t come from the car; it comes from the financing.
- Am I getting a good rate?
- Can I really afford this right now?
- Am I rushing into a loan I’ll regret later?
- Can I trust the lender I’m working with?
A better loan changes everything.
Spring Into Action
We’ll Help You SAVE at Every Turn!
Members 1st keeps it simple. Whether you’re buying new, new-to-you, or refinancing, we want you to enjoy your car — not stress about the loan.
That’s why we give you a better rate, time before your first payment, and clear answers from the start.
Start With a Loan That Actually Works for You
- Rates as low as 4.55% APR So more of your money stays with you
- 60-day payment deferral Get settled first; then start payments
- Refinance & Save Lower your rate, reduce your payment, or both
- Local lending decisions Faster answers from people who are a part of your community
- Extra Protection Ask about GAP, extended warranties, and protection plans
Serving Vineland, Bridgeton, and communities across Cumberland & Salem counties.
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They are awesome! I had an account here for 2 years and my experience was great! Any time I need a loan they always help me out!
– D. Jones (Google)
Apply & Start Saving Today
Not Sure Where Your Credit Stands?
Let’s Walk Through it Together.
Whether you’re ready to move forward on a new or refinanced loan – or just thinking ahead – our Credit Tune-Up can set you up for success.
We’ll review your credit report and show you:
- What’s helping or holding your score back
- Where small changes can improve your options
- How to position yourself for better terms
No pressure. Just clarity.
Get a Credit Tune-Up⭐️⭐️⭐️⭐️⭐️
Not only [was Members 1st] incredibly understanding and accommodating, they worked with me to help manage my debt. It was really great to bank with someone who wasn’t trying to take all of my money, but instead help me save some!
— M. Vogel (Wallet Hub)
You Have Options.
Here’s Why People Choose Members 1st
Members 1st is built around the people it serves — not outside shareholders. That shows up in:
- Clear, honest communication from the start
- Competitive rates without the runaround
- Support that continues after you apply
- Member benefits you can really use
Not a member yet?
Joining is simple and gives you access to better borrowing options.
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The team at Members 1st is second to none. I cannot say enough how much I appreciate their responsiveness and willingness to tackle any situation with courtesy. The rates are also great on their loan products.
— B. Flaim (Google)
Wherever You’re Headed, Start Here
A better rate and a little breathing room can make all the difference.
Apply today and take the next step toward a car and a loan you feel good about.
It only takes a few minutes to get started.
*APR = Annual Percentage Rate. Rates are effective April 1, 2026 and are subject to change without notice. APR may vary based on creditworthiness, loan amount, security offered, and combined Loan-to-Value (LTV). Rates shown are for qualified borrowers and are subject to the age of collateral and term. APR requires auto payment.
**Payments can be made during the 60-day deferral period. During the 60-day deferral period, interest will accrue and may extend the loan’s original term. Offer does not apply to refinancing loans currently with Members 1st of NJ FCU. Contact credit union for complete details