Auto Loans

Auto Loans
When you're ready to finance your next new or used vehicle, talk to us. We offer up to 100% financing with great rates and flexible terms!

New and Used Car Loans

Whether you're shopping new or used, get pre-approved for your credit union auto loan before you go for cash-in-hand bargaining power! The application process is fast and easy. We offer up to 100% financing and terms up to 60 months.

Move Your Auto Loan To Us And Lower Your Payment!

Already bought your new or used auto? Wish you got a better rate? You can refinance your loan from another lender to a low-rate Jersey Shore loan and lower your payment! The application process is the same. 

Looking For A Longer Term?

Contact us today to find out about terms longer than 60 months.

Auto Loan Rates

Effective Mar 3, 2023
Model Year Max Amount Financed Est. Term APR* as low as
2023 or Newer Under 75% LTV** Up to 60 Months 5.49%
2023 or Newer 75% to 100% LTV** Up to 60 Months 5.74%
2022, 2021, and 2020 Under 75% LTV** Up to 60 Months 5.74%
2022, 2021, and 2020 75% to 100% LTV** Up to 60 Months 5.99%

Ask about our longer terms, higher loan-to-value, and older car financing.
*APR = Annual Percentage Rate. Rates reflect .25% APR off for auto pay from a Jersey Shore checking account with direct deposit. High mileage on used vehicles may limit term and increase rate. **LTV = Loan To Value

Apply Today!

There are several convenient ways to apply for your Auto Loan:


Member Service Representatives are available to take your loan application by phone during business, evening and weekend hours. Check our Call Center Hours for availability.

Discounts & Resources

Jersey Shore Car Buying Service

Save an average of $3,402 off MSRP† on new cars! Access a nationwide network of 16,000+ Certified Dealers committed to price transparency and an exceptional car buying experience through our Car Buying Service, powered by TrueCar. Take advantage of this free member benefit — see what others paid for the new car you want, then get real pricing on in-stock vehicles. Or find great local deals on quality pre-owned inventory before going to the dealership. Try TrueCar today to save time and money. Opens in New Window

Car Buying Education

A lot goes into buying a car. Take full advantage of your credit union membership with free tips and tools to help you make a smart purchase. We offer helpful articles, videos, podcasts and booklets packed with information to guide you in your next auto purchase. Learn about buying a car.

Extended Vehicle Warranty

Most major car repairs occur after the factory warranty period ends. Extend your vehicle warranty to avoid paying for unexpected and expensive repairs down the road. Your Jersey Shore membership can save you up to 50% off dealer pricing for a Vehicle Service Agreement (VSA). Learn more about our Extended Vehicle Warranty.

GAP Protection

If your vehicle is declared a total loss, either in an accident or due to theft, your auto insurance should cover the replacement value, but you will still remain liable for any difference between the insurance settlement and the remaining loan balance. GAP insurance covers that gap for you so you don't end with a car payment but no car. Contact us for more information. If you're applying for an auto loan, your loan officer will provide pricing and the option to add GAP during the loan process.

Debt Protection with Life Plus

Jersey Shore Debt Protection with Life Plus is a voluntary loan-payment protection product designed to help you get relief from loan payments if a protected life event unexpectedly happens to you. Learn more about Debit Protection with Life Plus.

TruStage™ Auto & Home Insurance Program

Working with carefully selected insurance partners, the TruStage program can provide discounted insurance rates for credit union members, plus online services and 24/7 claims service. If you haven't compared auto or home insurance rates lately, it's a great time to take a look. Your credit union membership could result in some nice savings. Learn more about TruStage Auto & Home Insurance.

†Between 7/1/18 and 9/30/18, the average savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites based on users who received in-stock price offers and who TrueCar identified as purchasing a new vehicle of the same make and model as one of the in-stock price offers from a Certified Dealer as of 10/31/18, was $3,402. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The MSRP is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer’s trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing.