Loans
For When You Need A Boost.
Auto Loans
Auto Loans
A great auto loan can make all the difference.
Whether you’re buying a new or used car, boat or recreational vehicle, we make it easy for you to navigate your way to finding the right loan – no GPS required!
Why we’re a better choice
As a credit union, we’re not driven by profit. Our auto loan specialists are motivated by their passion to serve our members by providing a personalized loan package.
For new and used vehicle loans we offer:
- Financing
- New vehicles up to 100% of MSRP
- Used vehicles up to 100% NADA retail value*
- Terms up to 6 years
- First Time Auto Buyer Program
- A vehicle loan for higher education graduates that do not have a credit score with a verifiable consistent 2-year job history. Contact us to learn more!
Protect yourself and your family with: Extended warranty programs, Enhanced Guaranteed Asset Protection (GAP) and Life, Disability and Involuntary Unemployment protection available.
Use one of our auto loan calculators to estimate monthly payments on your next vehicle.
At Rutgers Federal Credit Union you get:
- Personalized Financing. To us, you’re more than just a credit score. Our dedicated specialists will discuss your loan concerns and review your financial situation on an individual basis, creating a unique financing package just for you.
- Lower rates and extended terms. Don’t let high payments stand between you and your new or used vehicle. We offer our members flexible repayment options, competitive rates, and a variety of repayment terms.
- Loan pre-approvals. Before negotiating your next car deal, let our pre-approval process give you greater bargaining power at the dealership. Get pre-approved today, and walk out with a check!
- Personalized service. Whether you’re looking for a second family vehicle or are a first-time car buyer, we’re here to help. Look to us for things such as checking your trade-in value, vehicle research and market reports – and much more.
- Competitive insurance rates. Save big on car insurance with the TruStage Auto & Home Insurance Program – exclusive to RFCU members .
- Loan Protection Products
More than just auto loans, we offer financing for your motorhome, ATV, snowmobile, boat, and jet ski at competitive rates.
All loans are subject to credit union lending guidelines and credit worthiness.
*Subject to credit and collateral approval. Model years 2019-newer, maxvimum term 72 months, maximum mileage 60,000 miles. Model years 2015-2018, maximum term 60 months, maximum mileage 90,000 miles. Model years 2014 or older, or Classic/Exotic vehicles maximum term 36 months, maximum mileage 100,000 miles. The vehicles listed are considered Classic, Exotic and or Speciality vehicles. This list is subject to change without notice: Aston Martin, Austin Healey, Avanti, Bertone, Bentley, Consulier, Daimler, Delorean, Ferrari, Fisker, Lamborghini, Lotus, McLaren, Merkur, MG, Pinifarina, Rolls-Royce, Triumph, and Zenn.
Rutgers FCU’s Auto Shop!
Rutgers Federal Credit Union (FCU) offers a comprehensive Auto Shop designed to simplify the vehicle purchasing process for its members. This program provides access to a variety of tools and resources to streamline buying a new or used car, ensuring a stress-free experience. Members benefit from features such as:
- An online vehicle search tool where members can browse thousands of cars.
- Compare prices of vehicles.
- Find the best options to fit their needs and budget.
Rutgers FCU’s Auto Shop includes the convenience of:
- Pre-approval for auto loans, allowing members to understand their financing options before visiting a dealership.
- Trade-in evaluations.
- Guidance on selecting the right vehicle.
For those looking to maximize their purchasing power, the program offers various financing options with competitive rates, making it easier to manage monthly payments. The inclusion of extended warranties and protection plans further adds value, providing peace of mind with the vehicle purchase.
