Auto Loans · Clifton, New Jersey
2 credit unions in Clifton report car loan rates to the NCUA. Rates range from 4.50% to 4.75%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.50%
Lowest New Car Rate
4.63%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | NOVA UA ★ 4.5 · 17 reviews | 4.50% | 5.00% |
| 2 | CLIFTON NJ POSTAL EMPLOYEES ★ 4.0 · 4 reviews | 4.75% | 4.50% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CLIFTON NJ POSTAL EMPLOYEES ★ 4.0 · 4 reviews | 4.50% | 4.75% |
| 2 | NOVA UA ★ 4.5 · 17 reviews | 5.00% | 4.50% |
A pre-approval from a Clifton credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Clifton in the same window and take the best offer.
See member reviews, branch locations, and full rate details.