New Car Loan Rates
| APR | APY | Info and/or Terms |
|---|---|---|
| 2.74% | 3 years | |
| 2.74% | 4 years | |
| 2.99% | 5 years | |
| 3.24% | 6 years | |
| 3.49% | 7 years |
New & Used Vehicle Loans
When you’re ready to finance a new or used car, van, or truck, come to Garden State FCU. You’ll love our personal, friendly service, low rates, and terms that fit your budget. Up to 135% financing is available including tax, tags, Extended Warranties, and GAP Insurance. We can finance vehicles up to 7 years old.
Car Shopping Made Easy
If you want to find the New or Pre-Owned Vehicle of your dreams with less dealer hassle, start your shopping right here with Groove Car. You can search dealer inventories, check out reviews, get pricing and financing with Garden State FCU in a snap. It’s car buying the smart, easy way!
Used Car Loan Rates
| APR | APY | Info and/or Terms |
|---|---|---|
| 2.74% | 3 years | |
| 2.74% | 4 years | |
| 2.99% | 5 years | |
| 3.24% | 6 years | |
| 3.49% | 7 years |
Get Pre-Approved Before Shopping
It makes sense to get your loan Pre-Approved before you start car shopping. By doing this you’ll know the price of vehicles you should be shopping for and also the monthly payment you can afford. With your financing already in place, you can negotiate the best possible purchase price for the vehicle you want and also speed up the car buying process.
Less than Perfect Credit or No Down Payment?
We Can Help! Our Member Advantage Auto Loan Program is specifically designed for you. If you had past problems with your credit or if you have little or no down payment, we may be able to help. We’ll take time to learn more about you and your personal situation.
Applying Is
Fast & Easy
If you need help to apply for your loan, call or stop by any branch office, or you can apply online when it’s convenient for you.
GAP Insurance
GAP Insurance protects you in the event of an accident or theft that is a total loss. Gap will pay off the difference between your vehicle’s book value and the amount you owe. Our GAP Advantage program will also give you $1,000 toward the purchase or lease replacement of a vehicle financed with Garden State FCU. And, if you have an accident that’s not a total loss, it will also pay your deductible of up to $500 for the first 3 years.
Extended Warranties
We offer extended warranties that protect you from unexpected and often very costly vehicle repairs. Warranties can be added to both new and used vehicles for a variety of time periods or mileage. Best of all, our full-protection warranties are often considerably less expensive than what the dealer will offer you. Talk to us today and we will get you all the details.
Refinance and Save
When you refinance a loan you have elsewhere at Garden State, you could lower your payments and save money. Depending upon your vehicle, rate, and term the saving may be significant. Keep in mind that you can cancel most GAP Insurance Policies and Extended Warranties you purchased at a dealer and get a refund for the unused portion. Then, when you refinance with us we may be able to add our GAP and Extended Warranty to your loan at a lower cost. Call or visit the credit union for the details.