Auto Loans · Bloomfield, New Jersey
4 credit unions in Bloomfield report car loan rates to the NCUA. Rates range from 4.41% to 8.00%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.41%
Lowest New Car Rate
6.05%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | EAST ORANGE FIREMENS ★ 5.0 · 2 reviews | 4.41% | 10.11% |
| 2 | XCEL ★ 2.8 · 13 reviews | 4.89% | 5.14% |
| 3 | BLOOMFIELD FIRE AND POLICE ★ 5.0 · 2 reviews | 6.90% | 6.90% |
| 4 | ESSEX COUNTY TEACHERS ★ 4.2 · 180 reviews | 8.00% | 8.00% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | XCEL ★ 2.8 · 13 reviews | 5.14% | 4.89% |
| 2 | BLOOMFIELD FIRE AND POLICE ★ 5.0 · 2 reviews | 6.90% | 6.90% |
| 3 | ESSEX COUNTY TEACHERS ★ 4.2 · 180 reviews | 8.00% | 8.00% |
| 4 | EAST ORANGE FIREMENS ★ 5.0 · 2 reviews | 10.11% | 4.41% |
A pre-approval from a Bloomfield 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 Bloomfield in the same window and take the best offer.
See member reviews, branch locations, and full rate details.