Our 75th anniversary present to you.

Get an auto loan with us (either new purchase or refi of existing loan from another lender), and we’ll give you a 0.75% APR* discount off of your qualifying rate. Plus, you can skip your first payment for 75 days*.

And the gifts keep coming:

  • Borrow up to 115% of the vehicle's value
  • Put as little as $0 down
  • Get super competitive rates with terms up to 84 months
  • Take advantage of our partnership with Enterprise Car Sales
  • Apply online for an instant decision
  • Buy our Guaranteed Asset Protection (GAP) and Mechanical Repair Coverage (MRC) at a fraction of what dealerships charge

Get pre-approved before you shop.

When you get pre-approved with us, you negotiate your best deal. You know how much you have to spend (so the temptation to overspend is gone). And the seller knows you have “cash” in hand to make the deal that day. It really is a win-win.

Apply right now
  • GrooveCar
    Start Your Search
  • GAP Insurance
    Fill in the GAP
  • MRC Insurance
    Get Peace of Mind
  • Enterprise Car Sales
    Explore your Options


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.

Start Your Search Here

GAP Insurance

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

Mechanical Repair Coverage

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 insurance. MRC pays for parts and labor for any covered repair. And it continues protecting you even after your vehicle warranty expries.

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

Annual Percentage Rate (APR) effective April 1, 2018 and subject to change without notice. Auto loan rate discount of 0.75% APR is a limited time offer. Rates range from 1.99% to 18.24% APR for new autos and from 2.49% to 19.24% for used autos. Final rate determined by credit history and may be adjusted based on model year and loan to value. Rates indicated are for a 24-month term. The loan payment is $42.54 per $1,000 borrowed at 1.99% APR for 24 months. The loan payment is $42.76 per $1,000 borrowed at 2.49% APR for 24 months. Certain restrictions may apply. This offer is subject to credit approval. Rate discount cannot be combined with additional offers. Minimum loan amount is $2,500. CUNJ membership in good standing is required. Refinances from existing CUNJ loans do not qualify. All applications must be received by the offer expiration date as determined by the credit union.


Accepting the terms of “no payment for 75 days offer” will extend the maturity of your loan for at least 75 days but less than 110 days. This offer of “no payment for 75 days” is valid on new or used vehicle loans only. Offer excludes recreational and boat loans. There is no fee involved for this delayed first payment offer. If accepting the delayed first payment, you will not be eligible for any other Skip-A-Payment Promotions during 2018. Payments made through Payroll Deduction or Automatic Payment will be deposited into your account for the time you are skipping/delaying your payment.