Drive free and easy all season long!

With no payments for 90 days² you'll be able to cruise the highways and backroads without having to worry about a loan payment. That also gives you 90 days of extra funds for whatever the wind blows in. On top of that, you'll get great low rates, flexible terms and can close your loan with as little as $0 down—saving you money over the lifetime of your loan.

No payments for 90 days²
Rates as low as 4.49% APR¹

Should I refinance my auto loan?

If you’re still unsure of how a simple process like refinancing your auto loan with Credit Union of New Jersey can save you money, then sit back. Our experts break down auto refinancing in easy-to-understand facts, so you can determine if this money-saving move is right for you.

Learn more

Here's what we're talking about:

Financial Freedom: Auto Loans

Auto Loans and Refinancing

Interest rates are at historic lows and from the looks of it, they’re going to stay that way for a while. If you purchased your vehicle at a higher rate, it’s definitely worth your time to refinance to a lower rate and save yourself some money each and every month.

How can refinancing my auto loan save me money right now?
Is refinancing my auto loan complicated?
My job is secure. How would refinancing benefit me?

How can refinancing my auto loan save me money right now?

Refinancing your current auto loan from another lender with Credit Union of New Jersey will give you an immediate 90 days with no payments. That money can go towards paying other bills or for items that are high on your priority list.

Is refinancing my auto loan complicated?

Not at all. Refinancing your auto loan with Credit Union of New Jersey is fast, easy and can be done online in just a few easy steps, or over the phone with one of our loan officers.

My job is secure. How would refinancing benefit me?

If your employment is stable, you’re actually making more money now or your credit score is in better shape than it was when you took out your current auto loan, refinancing to a shorter term allows you to pay off your loan sooner. Your monthly payment may increase a little, but you will save hundreds, possibly several thousand, dollars in interest.

Car buying tools to make your journey a bit easier.

  • GrooveCar® A one stop shop for locating your dream vehicle
  • GAP Protection Guaranteed Asset Protection is more than piece of mind
  • MRC Protection Be prepared for
    the unexpected
  • Enterprise Car Sales Haggle-free buying and worry-free ownership


GrooveCar® is your one-stop resource when searching for a new car or truck. As our trusted partner, GrooveCar can help you find the vehicle you want and tell you where to find it. You can even find out what others have paid for that exact make and model. And, you can research both new and used vehicles to get your best deal.

Guaranteed Asset Protection

Guaranteed Asset Protection, or GAP insurance, protects you from financial loss if your vehicle is totaled in an accident. Simply put, this policy pays the difference between the actual cash value of your vehicle and what your insurance settlement covers.

Fill in the GAP

MRC Protection

A few dollars a month can save you thousands. Let's face it, nobody is really ever prepared to deal with unexpected vehicle repair expenses. You won't even have to worry about that possibility with Mechanical Repair Coverage Protection. MRC Protection pays for parts and labor for any covered repair. And it continues protecting you even after your vehicle warranty expires.

Get Peace of Mind

Enterprise Car Sales

Our partnership with Enterprise Car Sales gives you a host of benefits. They don't say, “Haggle-free buying. Worry-free ownership,” for nothing. Research cars and trucks for sale, sell or trade your existing auto, shop for your perfect next vehicle and receive special offers and bonuses through our partnership.

Explore Your Options


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 75-month terms and $20,000 for 84-month terms. Payment examples are per $1,000 borrowed for model years 2017 – 2022: 84 months = $14.25; 75 months = $15.67; 60 months = $18.98; 48 months = $23.14; 36 months = $30.08. Other rates and terms available. Member eligibility required. Refinancing available for financing from another lender.


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.

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