Auto Loans · Hoboken, New Jersey
3 credit unions in Hoboken report car loan rates to the NCUA. Rates range from 5.25% to 6.00%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
5.25%
Lowest New Car Rate
5.75%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ERIE LACKAWANNA RAILROAD CO EMP ★ 4.5 · 16 reviews | 5.25% | 7.30% |
| 2 | HOBOKEN SCHOOL EMPLOYEES ★ 5.0 · 12 reviews | 6.00% | 7.75% |
| 3 | HOBOKEN N J POLICE ★ 4.0 · 4 reviews | 6.00% | 6.00% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | HOBOKEN N J POLICE ★ 4.0 · 4 reviews | 6.00% | 6.00% |
| 2 | ERIE LACKAWANNA RAILROAD CO EMP ★ 4.5 · 16 reviews | 7.30% | 5.25% |
| 3 | HOBOKEN SCHOOL EMPLOYEES ★ 5.0 · 12 reviews | 7.75% | 6.00% |
A pre-approval from a Hoboken 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 Hoboken in the same window and take the best offer.
See member reviews, branch locations, and full rate details.