Auto Loans · Newark, New Jersey
5 credit unions in Newark report car loan rates to the NCUA. Rates range from 3.99% to 6.21%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
3.99%
Lowest New Car Rate
5.34%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | NEWARK POLICE | 3.99% | 6.00% |
| 2 | PUBLIC SERVICE PLAZA ★ 4.3 · 4 reviews | 5.00% | 5.50% |
| 3 | FEDERAL EMPLOYEES NEWARK ★ 4.4 · 14 reviews | 5.75% | 7.75% |
| 4 | LOCAL 1233 ★ 5.0 · 2 reviews | 5.75% | 5.75% |
| 5 | I.L.A. LOCAL 1235 ★ 5.0 · 1 reviews | 6.21% | 5.97% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | PUBLIC SERVICE PLAZA ★ 4.3 · 4 reviews | 5.50% | 5.00% |
| 2 | LOCAL 1233 ★ 5.0 · 2 reviews | 5.75% | 5.75% |
| 3 | I.L.A. LOCAL 1235 ★ 5.0 · 1 reviews | 5.97% | 6.21% |
| 4 | NEWARK POLICE | 6.00% | 3.99% |
| 5 | FEDERAL EMPLOYEES NEWARK ★ 4.4 · 14 reviews | 7.75% | 5.75% |
| 6 | ISRAEL MEMORIAL A M E ★ 5.0 · 1 reviews | 10.67% | — |
A pre-approval from a Newark 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 Newark in the same window and take the best offer.
See member reviews, branch locations, and full rate details.