Kick back in your flip-flops, you’re covered with our loan suite. From sipping piña coladas in paradise to upgrading your kitchen to a chef's utopia, we have everything you need to turn your biggest dreams into your warm-weather plans.
Dream outside the highway lines.
Drive free and easy with no payments for 90 days¹ on your auto loan, giving you extra funds for whatever the wind blows in. And with great rates and flexible terms, you’ll save money over the lifetime of your loan.
Plenty of time to pay off your loan.
With available terms up to 84 months, you can pay off your Auto Loan at the pace that works best for you.
Not a penny needed to secure your loan.
Credit Union of New Jersey lets you drive free and easy with as little as $0 down.
90 days¹ until your first loan payment is due.
After you close on your Auto Loan, take 90 payment-free days¹ on us. That’s 2,160 hours before your first loan payment is due¹.
How complicated is it to refinance my auto loan?
It’s a common assumption that refinancing any loan is time consuming and complicated. With Credit Union of New Jersey, refinancing your auto loan from another lender is fast, easy and can be done 100% online in just a few easy steps. If you prefer to speak with a helpful credit union team member, one of our local loan officers can walk you through the process and get your refinance started today.
Open your own doors to exciting new flavors.
With a Home Equity Line of Credit, borrow up to 90% of your home’s equity (up to $500,000) for whatever you need. Renovations, debt repayment, emergencies—the sky is truly the limit. And only accrue interest and make payments on the amount you’ve drawn from your line.
Understanding a Home Equity Line of Credit
Your home holds value—likely the most it’s held for some time. Use the equity in it to secure up to $500,000 worth of credit to use whenever and however you need it!
With that line of credit secured, you only pay back the amount you actually use, including interest. Your home provides the funding, what you do next is up to you!
Our Home Equity Line of Credit comes with lower rates than most credit cards and far better repayment terms. It’s the loan that gets the job done without even leaving the house.
What’s right here can take you anywhere.
With a Lifestyle Loan up to $25,000, can you fund anything your boundless imagination desires. Dreaming of a primary bedroom oasis (spa ensuite included)? Aspiring to finally take the entire family on that Disney Cruise? Get the money to make it happen, along with 90 days of no payments³, right here.
Auto Loans & Refinancing
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.
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.
Lifestyle Loans
Each lifestyle loan closed during this promotional 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 your payment during this calendar year. Interest will accrue during this period. Loan amounts of up to $25,000 are available. Processing fee of $35 will apply. All loans are subject to credit approval.
Annual Percentage Rate (APR) effective as of October 1, 2018. Subject to credit approval. Financing available up to 60 months. Rates as low as 7.24% for 36 months, 8.24% for 48 months, and 9.24% for 60 months. Rates are based on credit worthiness. Payment amount is determined by APR and term. The loan payment is $30.99 per $1,000 borrowed at 7.24% for 36 months. The loan payment is $24.53 per $1,000 borrowed at 8.24% for 48 months. The loan payment is $20.88 per $1,000 borrowed at 9.24% for 60 months. Rates subject to change at any time. A five-dollar ($5.00) donation to the CU of NJ Foundation qualifies you for membership if you’re not already eligible through an employer group.