When you’re prepared to finance a new or used vehicle, including ATVs, Boats, and RVs, visit Members 1st of NJ Federal Credit Union in Vineland, Bridgeton, or Woodstown. Including tax, tags, and extended warranties, you can finance up to 100% of the value, and you can also choose a repayment term of up to 84 months (144 months for RVs).
Applying Is Fast & Easy…
Call or visit one of our branch locations in Vineland, Woodstown, or Bridgeton if you need assistance applying for a car loan in New Jersey. You can also apply online whenever it’s convenient for you.
*APR = Annual Percentage Rate. Rates are subject to change without notice. APR may vary based on creditworthiness. Rates shown are discounted 0. 50% APR for payments made automatically via ACH, direct deposit, or payroll deduction
Save with Our Preferred Partners
Purchase a vehicle from one of our preferred partners and receive an additional discount; what’s not to like about extra discounts? 50% APR rate discount*.
Check Out Other Car Buying Options
You could immediately save money when you refinance a loan you already have at Members 1st. For more information, complete the online form or contact the credit union.
Current Auto Loan Rates
| APR | APY | Info 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 |
| APR | APY | Info and/or Terms |
|---|---|---|
| As low as 3.60%* | 1-38 months | |
| As low as 3.85%* | 39-50 months | |
| As low as 4.10%* | 51-62 months | |
| As low as 4.60%* | 63-74 months ($15,000+) New Vehicles Only | |
| As low as 4.85%* | 75-84 months ($25,000+) New 80% LTV |
Used Vehicle Rates (Models 2017-2014)
| APR | APY | Info and/or Terms |
|---|---|---|
| As low as 4.35%* | 1-38 months | |
| As low as 4.60%* | 39-50 months | |
| As low as 4.85%* | 51-62 months |
Used Vehicle Rates (Models older than 2014)
| APR | APY | Info and/or Terms |
|---|---|---|
| As low as 7.35%* | 1-38 Months | |
| As low as 7.60%* | 39-50 Months | |
| As low as 7.85%* | 51-62 Months |
| APR | APY | Info and/or Terms |
|---|---|---|
| As low as 5.50%* | Model Year 2018 – 2022 | |
| As low as 5.75%* | Model Year 2014 – 2017 | |
| As low as 7.00%* | Model Year Older than 2014 |
| APR | APY | Info and/or Terms |
|---|---|---|
| As low as 5.50%* | Model Year 2018-2022 | |
| As low as 5.75%* | Model Year 2014 – 2017 | |
| As low as 7.50%* | Model Year Older than 2014 |
| APR | APY | Info and/or Terms |
|---|---|---|
| As low as 5.50%* | Model Year 2018 – 2022 – Up to 144 Months | |
| As low as 5.75%* | Model Year 2014- 2017- Up to 144 Months |
FAQ
What is the interest rate on a 72 month car loan?
Auto Loan TermAverage Interest Rate36 Month4 Average Interest Rates by Term Length 21%48 Month4. 31%60 Month4. 37%72 Month4. 45%.
Which bank has lowest interest rate on auto loan?
Overall, PenFed Credit Union has the lowest annual percentage rates for auto loans. The best used car loan rates start at 2. 49% while the best new car loan rate is 2. 09%.
Is 2.99 a good car loan rate?
If the interest rate on a new car you’re purchasing is 2 9% APR, you may be getting a bad deal. However, whether or not this is the lowest rate available will depend on a number of variables, including the state of the market, your credit history, and the manufacturer’s incentives currently available on the vehicle you want.