Auto Loans · East Orange, New Jersey
2 credit unions in East Orange report car loan rates to the NCUA. Rates range from 4.99% to 5.18%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.99%
Lowest New Car Rate
5.09%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MESSIAH BAPTIST CHURCH ★ 4.7 · 61 reviews | 4.99% | 5.99% |
| 2 | EAST ORANGE VA HOSPITAL ★ 3.4 · 308 reviews | 5.18% | 6.56% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | MESSIAH BAPTIST CHURCH ★ 4.7 · 61 reviews | 5.99% | 4.99% |
| 2 | EAST ORANGE VA HOSPITAL ★ 3.4 · 308 reviews | 6.56% | 5.18% |
A pre-approval from a East Orange 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 East Orange in the same window and take the best offer.
See member reviews, branch locations, and full rate details.