More Freedom to Drive Your Way!
The ride of your dreams isn't just a fantasy.
Our auto loans are like a turbo injector for your finances. With flexible terms, rates as low as 4.24% APR¹ and no payments for 90 days², you can turn your auto aspirations into financial acceleration. You’ll get the ride of your dreams and free up money for life's other adventures.
- Borrow up to 115% of the vehicle’s value
- Put as little as $0 down with no payments for 90 days²
- Super competitive rates with terms up to 84 months
Apply when and where it's most convenient for you with our quick and easy online car loan application.
What you get with a Credit Union of New Jersey auto loan:
- Borrow up to 115% of the vehicle's value
- Start your loan off with no payments for 90 days²
- Put as little as $0 down
- Get super competitive rates with terms up to 84 months
- Easily find your dream car through our partnership with Auto Smart
- Plus, even more benefits through our partnership with Enterprise Car Sales
- Apply online for an instant decision
- Buy our Guaranteed Asset Protection (GAP) and Mechanical Repair Coverage (MRC) at a fraction of what dealerships charge.
Need help finding something?
Financing a car should be fast and painless. That’s why we offer Auto Smart, a convenient lending platform that connects our credit union to over 15,000 of the nation’s top auto dealers.
- Spend less time at the auto dealership - Our Auto Smart partners can access your pre-approved loan, expediting the car-buying process.
- Tap into a nationwide network of auto dealers - Choose from one of our thousands of connected auto dealerships.
- Maximize convenience - Streamline your financing and eliminate extra steps.
- Find your perfect car - Shop your preferred make and model, and save.
Don’t forget to ask the dealership about Auto Smart financing!
Should I refinance my auto loan?
While interest rates aren't necessarily at historic lows anymore, other factors like car values, paired with your current financial situation, might make this a good time to refinance your car.
If your improved credit situation can get you a lower interest rate than what you currently have, then it's a great time to refinance with Credit Union of New Jersey.
Car buying tools to make your journey a bit easier.
Auto Smart
GAP Protection
MRC Protection
Enterprise Car Sales
Ready to get started?
Members now have the convenience of getting their loans approved right at our partner dealerships. Simply mention that you are a Credit Union of New Jersey member while shopping at any of these dealerships and receive a loan decision right on the spot.
| Name | Address | State |
|---|---|---|
| Acura of Turnersville | 3400 NJ-42, Turnersville, NJ 08012 | |
| Audi Turnersville | 3751 NJ-42, Blackwood, NJ 08012 | |
| AutoBay | 4436 Route 130 North, Burlington, NJ 08016 | |
| Auto Lenders Egg Harbor Township | 6201 Black Horse Pike, Egg Harbor Township, NJ 08234 | |
| Auto Lenders Lakewood | 1165 NJ-88, Lakewood, NJ 08701 | |
| Auto Lenders Liquidation Center | 104 NJ-73, Voorhees Township, NJ 08043 | |
| Auto Lenders Toms River | 1518 NJ-37, Toms River, NJ 08753 | |
| Auto Lenders Williamstown | 1051 N Black Horse Pike, Williamstown, NJ 08094 | |
| BMW of Mt Laurel | 1220 Route 73 South, Mount Laurel, NJ 08054 | |
| BMW of Turnersville | 3400 NJ-42, Turnersville, NJ 08012 | |
| Burns Honda | 325 Route 73, Marlton, NJ 08053 | |
| Carshop – Mount Holly | 1971 Burlington-Mount Holly Road, Mount Holly, NJ 08060 | |
| Cherry Hill Imports Corp | 2261 Marlton Pike W, Cherry Hill Township, NJ 08002 | |
| Chevrolet of Turnersville | 3400 NJ-42, Turnersville, NJ 08012 | |
| Chrysler Dodge Jeep Ram of Princeton | 1045 State Road, Princeton, NJ 08540 | |
| FC Kerbeck Sons, Inc. | 100 NJ-73, Palmyra, NJ 08065 | |
| Hamilton Honda | 655 US-130, Hamilton Township, NJ 08691 | |
| Hessert Chevrolet of Cherry Hill | 75 Haddonfield Rd, Cherry Hill Township, NJ 08002 | |
| Holman Cadillac | 1200 Route 73, Mount Laurel Township, NJ 08054 | |
| Holman Ford Lincoln Maple Shade | 571 Route 38, Maple Shade, NJ 08052 | |
| Holman Ford Lincoln Turnersville | 3641 Route 42 South, Turnersville, NJ 08012 | |
| Holman Infiniti | 577 Route 38, Maple Shade, NJ 08052 | |
| Holman Toyota | 1301 Route 73, Mount Laurel Township, NJ 08054 | |
| Hyundai of Turnersville | 3400 NJ-42, Turnersville, NJ 08012 | |
| Mercedes-Benz Van Center-Maple Shade | 573 Route 38, Maple Shade, NJ 08052 | |
| MINI of Mt Laurel | 1220 Route 73, Mount Laurel Township, NJ 08054 | |
| Mount Holly Nissan | 1513 NJ-38, Hainesport, NJ 08036 | |
| Nissan of Turnersville | 3400 NJ-42, Turnersville, NJ 08012 | |
| Princeton BMW | 3630 Quaker Bridge Road, Hamilton Township, NJ 08619 | |
| Richard Lucas Chevrolet | 1077 US-1, Woodbridge Township, NJ 07001 | |
| Route 1 Chrysler Jeep Dodge Ram | 2700 Brunswick Pike, Lawrence Township, NJ 08648 | |
| Route 33 Nissan | 951 NJ-33, Hamilton Square, NJ 08960 | |
| Subaru of Cherry Hill LLC | 1800 Marlton Pike W, Cherry Hill Township, NJ 08002 | |
| Team Toyota of Princeton | 2871 US-1, Lawrenceville, NJ 08648 | |
| Toyota of Turnersville | 3400 NJ-42, Turnersville, NJ 08012 | |
| Turnersville Mazda | 3000 NJ-42, Sicklerville, NJ 08081 | |
| Woodbury Nissan | 439 Mantua Pike, Woodbury, NJ 08096 |
APR = Annual Percentage Rate. All rates are subject to change without notice and based on credit history. Minimum loan amount of $8,000 required for 60-month terms, $15,000 for 72-month terms and $20,000 for 84-month terms. Payment examples are per $1,000 borrowed for model years 2020 – 2025: Rates as low as 5.49% for 84 months = $14.37; as low as 5.24% for 72 months = $16.22; as low as 4.99% for 60 months = $18.87; As low as 4.74% for 48 months = $22.92; as low as 4.49% for 36 months = $29.75; as low as 4.24% for 24 months = $43.54. Other rates and terms available. Member eligibility required. Refinancing available for financing from another lender. Rates are effective May 1, 2025.
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 this calendar year. 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.