Auto Loans

Loan Rates

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A great auto loan can make all the difference.

Whether you’re buying a new or used car, boat or recreational vehicle, we make it easy for you to navigate your way to finding the right loan – no GPS required!

Why we’re a better choice

As a credit union, we’re not driven by profit. Our auto loan specialists are motivated by their passion to serve our members by providing a personalized loan package.

For new and used vehicle loans we offer:

  • Financing
    • New vehicles up to 100% of MSRP
    • Used vehicles up to 100% NADA retail value*
    • Terms up to 6 years
  • The R Team Auto Plan, that allows for a lower monthly payment with 100% financing on new and used autos with no money down.

For a low mileage & late model used vehicle we offer:

       Protect yourself and your family with: Extended warranty programs, Enhanced Guaranteed Asset Protection (GAP) and Life, Disability and Involuntary Unemployment protection available.

Use one of our auto loan calculators to estimate monthly payments on your next vehicle.

Use our R Team Auto Plan Calculator that allows for a lower monthly payment!

At Rutgers Federal Credit Union you get:

  • Personalized Financing. To us, you’re more than just a credit score. Our dedicated specialists will discuss your loan concerns and review your financial situation on an individual basis, creating a unique financing package just for you.
  • Lower rates and extended terms. Don’t let high payments stand between you and your new or used vehicle. We offer our members flexible repayment options, competitive rates, and a variety of repayment terms.
  • Loan pre-approvals. Before negotiating your next car deal, let our pre-approval process give you greater bargaining power at the dealership. Get pre-approved today, and walk out with a check!
  • Personalized service. Whether you’re looking for a second family vehicle or are a first-time car buyer, we’re here to help. Look to us for things such as checking your trade-in value, vehicle research and market reports – and much more.
  • Competitive insurance rates. Save big on car insurance with the TruStage Auto & Home Insurance Program – exclusive to RFCU members .
  • Loan Protection Products

More than just auto loans, we offer financing for your motorhome, ATV, snowmobile, boat, and jet ski at competitive rates.

All loans are subject to credit union lending guidelines and credit worthiness.

*Subject to credit and collateral approval. Model years 2014-newer, maximum term 72 months, maximum mileage 50,000 miles. Model years 2010-2013, maximum term 60 months, maximum mileage 84,000 miles. Model years 2009 or older, or Classic/Exotic vehicles maximum term 36 months, maximum mileage 100,000 miles. The vehicles listed are considered Classic, Exotic and or Speciality vehicles. This list is subject to change without notice: Aston Martin, Austin Healey, Avanti, Bertone, Bentley, Consulier, Daimler, Delorean, Ferrari, Fisker, Lamborghini, Lotus, McLaren, Merkur, MG, Pinifarina, Rolls-Royce, Triumph, and Zenn.