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Upgrade your ride — or just your rate. We’ve got you covered with an affordable loan for purchasing or refinancing.

Key Features

  • Competitive Rates
  • Customized Terms
  • Local Decisions
  • Awesome Service
  • Get the vehicle you really want — at rates as low as 2.24% APR 
  • Competitive rates for new or pre-owned vehicles
  • Up to 125% financing and 84-month terms available
  • Purchases up to ten (10) model years
  • Refinances up to five (5) model years
  • Get pre-approved for extra bargaining power upon auto shopping
  • Refinance your current vehicle to potentially lower your payment
  • No waiting period after joining — apply upon membership
  • SJFCU requests that you maintain a minimum $25 Regular Savings balance when you have a loan
  • Prompt decision-making and processing based in South Jersey
  • Attentive service from our experienced staff every step of the way

Add an extra layer of protection

Our Member's Choice™ Borrower Security offers payment protection that can cancel or reduce repayment of the principal and interest owed, in the event of disability, loss of life and even involuntary unemployment. We have also partnered with TruStage to bring you additional coverage options. Learn more about our Auto Insurance and GAP Insurance coverage options. 

Mechanical Breakdown Protection is available for both new and used cars and extends the warranty on all mechanical and electrical components of your vehicle.

Pack on the perks — just for being a member

Just by virtue of your membership at SJFCU, you automatically qualify for additional rewards and discounts. Learn more about the benefits offered through the Love My Credit Union Rewards Program.

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