Financing the Road Ahead
Whether new or used, we help make your vehicle purchase simple, affordable, and stress-free.
New Vehicle Loans
Take advantage of our low rates, flexible terms, and up to 100% financing of the actual vehicle cost. You can use this loan to buy a new car, truck, van, or sport utility vehicle.
Used Vehicle Loans
If a pre-owned vehicle is the car you have in mind, we can offer great loan values. You can finance up to 100% of the Red Book value. Our fixed rates are competitive and our terms are, too. With the money our rates and terms will save you, you can buy more car! How used is that used car? We recommend Carfax Lemon Check to help you find out before you buy.
Boat Loans
Call us before you buy that boat. Our rates and terms will make your boat-buying decision easier and will save you money, too.
Recreational Vehicle Loans
Hit the open road, after you make a trip to the credit union. We even have loans for that RV you have been waiting to buy! Call for more information, then get out your map!
Motorcycles
Harley, Yamaha, Triumph - pick the one you want. Then call us for your loan. You'll be cruising Route 66 in no time.
Save More With Payroll Deduction With Automatic Payment
Make a NJ Community Federal Credit Union auto loan even easier with Payroll Deduction, plus save money! If you have your loan payments automatically deducted from your credit union Savings or Checking Account, you’ll receive a 1/2% discount!
Auto Loan Rates (New & Used)
| Term | Preferred APR |
|---|---|
| 5 years or less | 5.24% |
| Up to 6 years | 5.99% |
| Up to 7 years | 6.24% |
Effective date as of September 19th, 2025 and are subject to change without notice.
Motorcycle New & Used
| Term | Preferred APR |
|---|---|
| 4 years | 4.99% |
| 5 years | 5.24% |
Effective date as of March 1, 2023 and are subject to change without notice.
Boat/RV’s New & Used
| Term | Preferred APR |
|---|---|
| 5 years | 8.24% |
| 10 years | 9.99% |