Free Up 90 days of cash right now.

Start your 90 days of no auto loan payments* today.

Make no payments for 90 days when you refinance your current auto loan from another lender or apply for a new one—that's 3 months of extra cash for medical bills, supplies for your family or anything else you need to help you get through these difficult times. Plus, you can choose from terms up to 84 months and qualified buyers pay as little as $0 down.

Refinancing your car or shopping for a new one is easy.

Your 90 days of no payments* starts with an instant decision online. If you’re shopping for a vehicle, take advantage of free access to GrooveCar®, an online tool that makes finding and purchasing your perfect car easy, so you can focus on what really matters.

Apply today

Here's what we're talking about:

Get pre-approved before you shop.

When you get pre-approved with us, you negotiate the best deal. You know how much you have to spend, which helps you stay within your target budget. And the seller knows you have "cash" in hand to make the deal that day. It really is a win-win.

Apply Now

Car buying tools to make your journey a bit easier.


GrooveCar® is your one-stop resource when searching for a new car or truck. As our trusted partner, GrooveCar can help you find the vehicle you want and tell you where to find it. You can even find out what others have paid for that exact make and model. And, you can research both new and used vehicles to get your best deal.

Guaranteed Asset Protection

Guaranteed Asset Protection, or GAP insurance, protects you from financial loss if your vehicle is totaled in an accident. Simply put, this policy pays the difference between the actual cash value of your vehicle and what your insurance settlement covers.

Fill in the GAP

MRC Protection

A few dollars a month can save you thousands. Let's face it, nobody is really ever prepared to deal with unexpected vehicle repair expenses. You won't even have to worry about that possibility with Mechanical Repair Coverage Protection. MRC Protection pays for parts and labor for any covered repair. And it continues protecting you even after your vehicle warranty expires.

Get Peace of Mind

Enterprise Car Sales

Our partnership with Enterprise Car Sales gives you a host of benefits. They don't say, “Haggle-free buying. Worry-free ownership,” for nothing. Research cars and trucks for sale, sell or trade your existing auto, shop for your perfect next vehicle and receive special offers and bonuses through our partnership.

Explore Your Options


Valid on new and used auto loans. Each auto loan closed during this promotion period will make no payments for 90 days. Accepting the terms of “no payment for 90 days offer” will extend the maturity of your loan for at least 90 days but less than 110 days. If accepting the delayed first payment, you will not be eligible for any other skipping/delaying of your payment during 2020. Interest will accrue during this period. Payments made through payroll deduction or automatic payment will be deposited into your account for the time you are skipping/delaying your payment. Refinances from existing CU of NJ loans do not qualify. All loans are subject to credit approval. Certain restrictions may apply. This offer can be discontinued at any time.

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