loans

Loans

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Auto Loans

Drive off the lot with not only the right ride, but also the right rate and terms for you. At SJFCU, beyond accommodating financing options, we offer a wide range of auto loan resources that make the process easy, budget-friendly, and secure for both new and used vehicles. Plus, we process everything just around the corner, taking you from dealership to driveway in no time flat. 

Summary
  • Competitive rates for new or pre-owned vehicles
  • Up to 100% financing and 84-month terms available for new and previous model year vehicles (less than 15,000 miles)
  • Up to 100% financing for all vehicles and 72-month terms available for pre-owned vehicles 1-3 years old
  • Get pre-approved for extra bargaining power upon auto shopping
  • Refinance your current vehicle to potentially lower your payment
  • Make payments by automatic payment to qualify for a quarter percent loan rate reduction
  • 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 related to buying, owning, and caring for your vehicle. Learn more about the benefits offered through the Credit Union Auto Club available through the Love My Credit Union Rewards Program