Auto Loans · Jersey City, New Jersey
5 credit unions in Jersey City report car loan rates to the NCUA. Rates range from 4.87% to 7.87%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
4.87%
Lowest New Car Rate
6.63%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | JERSEY CITY POLICE ★ 5.0 · 4 reviews | 4.87% | 7.22% |
| 2 | OCNAC #1 ★ 4.8 · 24 reviews | 6.50% | 7.50% |
| 3 | PATH ★ 4.6 · 5 reviews | 6.90% | 7.90% |
| 4 | JERSEY CITY FIREMEN ★ 4.0 · 4 reviews | 7.00% | 9.00% |
| 5 | LIBERTY SAVINGS ★ 3.1 · 142 reviews | 7.87% | 9.73% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | JERSEY CITY POLICE ★ 5.0 · 4 reviews | 7.22% | 4.87% |
| 2 | OCNAC #1 ★ 4.8 · 24 reviews | 7.50% | 6.50% |
| 3 | PATH ★ 4.6 · 5 reviews | 7.90% | 6.90% |
| 4 | JERSEY CITY FIREMEN ★ 4.0 · 4 reviews | 9.00% | 7.00% |
| 5 | LIBERTY SAVINGS ★ 3.1 · 142 reviews | 9.73% | 7.87% |
A pre-approval from a Jersey City 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 Jersey City in the same window and take the best offer.
See member reviews, branch locations, and full rate details.