Auto Loans · Phillipsburg, New Jersey
1 credit union in Phillipsburg report car loan rates to the NCUA. Lowest rate: 6.49%.
Updated Q1 2026 · NCUA Call Report data
1
CUs Reporting Rates
6.49%
Lowest New Car Rate
6.49%
City Average Rate
1 credit union sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | IRCO COMMUNITY ★ 3.5 · 37 reviews | 6.49% | 10.00% |
1 credit union sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | IRCO COMMUNITY ★ 3.5 · 37 reviews | 10.00% | 6.49% |
A pre-approval from a Phillipsburg 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 Phillipsburg in the same window and take the best offer.
See member reviews, branch locations, and full rate details.