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Vehicle Loans


New & Used Vehicle Loans

When you’re ready to finance a new or used car, van, or truck, come to Garden State. You can finance up to 125% of the Black Book value, including tax, tags and extended warranties. We can finance vehicles up to nine model years old.

New Car Loan Rates

APRInfo and/or Terms
2.74%3 years
3.24%4 years
3.74%5 years
3.99%6 years
4.49%7 years

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Used Car Loan Rates

APRInfo and/or Terms
2.49%3 years
2.99%4 years
3.49%5 years
3.74%6 years
4.49%7 years

Apply Now Shop Now

Get Your Loan Pre-Approved

You’ll know what your monthly payment will be based on what you want to spend, not based on the dealer’s financing that can include a higher vehicle price. With your financing already in place, you can negotiate the best possible deal and speed up the car buying process.

Refinance And Save!

When you refinance a loan you have elsewhere at Garden State, you could save money instantly. Call or visit the credit union for the details.

Less than Perfect Credit? Don’t Have a 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 can possibly help.

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

Download GAP Insurance Information