Best Auto Loans 4-Year for New Jersey, NJ

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April 18, 2024

Average Rate: 6.96%

Advertiser Disclosure

  • Lender APR(%) Monthly Payment Learn More
  • Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.

  • Apco Employees

    		2.450 % $1,094.60 Credit Union with nearby branch - View

  • Pentagon

    		2.740 % $1,100.98 Credit Union with nearby branch - View

  • Melrose

    		2.990 % $1,106.50 Credit Union with nearby branch - View

  • Virginia Credit Union, Inc.,

    		2.990 % $1,106.50 Credit Union with nearby branch - View

  • Atlanta Postal

    		2.990 % $1,106.50 Credit Union with nearby branch - View

  • Merck Employees

    		3.000 % $1,106.72 Credit Union with nearby branch - View

  • State Employees Cu Of Maryland, Inc

    		3.240 % $1,112.03 Credit Union with nearby branch - View

  • Eastman

    		3.300 % $1,113.36 Credit Union with nearby branch - View

  • Affinity

    		3.360 % $1,114.69 Credit Union with nearby branch - View

    Disclosure: New and used auto loan rates in effect for loans applied for. Rates include 0.25% reduction for automatic payments made from your Affinity account. Loan decision, APR, terms of loan, year, make, model and loan to value of vehicle and/or amount borrowed are all subject to applicant credit worthiness. Must be a member in good standing and meet all lending requirements. Loan amounts of $9,999 or lower have a maximum term of 54 months, $10,000 to $14,999 have a maximum term of 71 months, $15,000 or higher have a maximum term of 96 months. Vehicles eligible for new auto loan rates are current or previous model year or newer, with fewer than 5,000 miles. Vehicles eligible for used auto loan or refinance rates are 9 years old or newer. Vehicles eligible for older model used auto loan or refinance rates are between 10 and 15 years old. Interest accrues from the date the loan is finalized. All loans are subject to credit review and approval.

  • Lakeland Bank

    		3.500 % $1,117.80 Bank with nearby branch - View

  • Jpmorgan Chase Bank, National Association

    		3.590 % $1,119.80 Bank with nearby branch - View

  • Navy Federal Credit Union

    		3.690 % $1,122.03 Credit Union with nearby branch - View

  • Westfield Bank

    		4.126 % $1,131.77 Bank with nearby branch - View

  • Capital One, National Association

    		5.120 % $1,154.18 Bank with nearby branch - View

  • Peoplesbank, A Codorus Valley Company

    		5.240 % $1,156.91 Bank with nearby branch - View

  • Pnc Bank, National Association

    		5.340 % $1,159.18 Bank with nearby branch - View

    Disclosure: Annual Percentage Rates: Annual Percentage Rate (APR) shown available to well-qualified applicants for auto loans in amounts of $7500.00 to $14999.00 with a repayment term of 12-48 months and secured by a 2014-2023 model year non-commercial vehicle with up to 100,000 miles (certain additional restrictions apply for vehicles with mileage from 80,000 to 100,000). The lowest rates are available to well-qualified applicants. Your actual APR may be higher than the lowest available rate and will be based upon multiple factors such as credit qualifications, loan amount, repayment term, model year, automated payment from a PNC checking account and number of days to first payment. APRs for a loan amount of $7500.00 to $14999.00 with a 12-48 month repayment term and secured by a 2014-2023 model year auto range from 5.34% to 16.64%. Other rates may be applicable for different loan amounts, repayment terms and model years. APRs include a 0.25% discount for automated payment from a PNC checking account. Automated payment must be set up at loan closing to qualify for the 0.25% discount. If automated payment is discontinued, you may no longer receive an automated payment discount and your rate will increase 0.25%. Loan Payment Example: The monthly payment per $1,000 borrowed at 5.34% APR for a term of 48 months would require 48 monthly payments of $23.18 based on 30 days to first payment. The monthly payment per $1,000 borrowed at 16.64% APR for a term of 12 months would require 12 monthly payments of $91.03 based on 30 days to first payment. Credit is subject to approval. Certain restrictions and conditions apply. Rates, terms and conditions are as of Tue Oct 04 16:44:49 EDT 2022 and subject to change at any time. Based on $7500.00 to $14999.00 for 12-48 months. Payments are estimated. Your actual payment may vary based on loan amount, APR and term.

  • Wilmington Savings Fund Society, Fsb

    		5.490 % $1,162.60 Bank with nearby branch - View

    Disclosure: New auto loan rates apply to 2023 Model Year vehicles. New 2022 vehicles not pre-owned also qualify for these rates. For example, with a 36 month New Auto Loan, your monthly payment on each $1,000 borrowed will be $30.19 for payments from a WSFS checking account, and $30.30 for loans without automatic deduction.

  • First Community

    		5.490 % $1,162.60 Credit Union with nearby branch - View

  • United Nations

    		5.500 % $1,162.82 Credit Union with nearby branch - View

    Disclosure: Rates for new cars may be discounted by 0.25% for every 5.00% down payment, up to a maximum discount of 1.00%. Term will determine actual APR.

  • Jovia Financial

    		5.790 % $1,169.44 Credit Union with nearby branch - View

  • Athol Savings Bank

    		6.740 % $1,191.29 Bank with nearby branch - View

  • Fall River Five Cents Savings Bank

    		7.000 % $1,197.31 Bank with nearby branch - View

    Disclosure: Rates posted for automobile loans reflect a reduction of .25% by having the loan payment automatically deducted from a BankFive checking account. Relationship Checking account customers qualify for an additional .25% rate reduction for a total of .50% rate reduction. Subject to credit approval. Fees may apply.

  • Parke Bank

    		7.000 % $1,197.31 Bank with nearby branch - View

    Disclosure: Add .50% to the interest rate if payments are not deducted from a ParkeBank Deposit Account. New autos are 90% financing. Used autos are 80% financing for vehicles 2012 or newer. Full insurance required on all types of auto loans, collision, comprehensive, etc. Example: A new auto loan, of $10,000 with a terms of 36 months with an interest rate of 6.75% and APR of 6.75% would require 36 monthly payments of $307.58. A used car auto loan, of $10,000 with a term of 36 months with an interest rate of 7.25% and APR of 7.25% would require 36 monthly payments of $309.86. Loan information is provided to assist in evaluating alternatives only and does not constitute an offer to extend credit. Rates are subject to change without notice. . Loans subject to credit approval. Payments do not include the amounts for taxes and insurance premiums. The actual payment will be greater.

  • Unity Bank

    		7.500 % $1,208.95 Bank with nearby branch - View

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