Auto Loans · Trenton, New Jersey
2 credit unions in Trenton report car loan rates to the NCUA. Rates range from 3.50% to 4.14%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
3.50%
Lowest New Car Rate
3.82%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | TRENTON NJ FIREMEN ★ 5.0 · 2 reviews | 3.50% | 6.00% |
| 2 | NEW JERSEY LAW AND PUBLIC SAFETY ★ 4.0 · 18 reviews | 4.14% | 5.25% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | NEW JERSEY LAW AND PUBLIC SAFETY ★ 4.0 · 18 reviews | 5.25% | 4.14% |
| 2 | TRENTON NJ FIREMEN ★ 5.0 · 2 reviews | 6.00% | 3.50% |
A pre-approval from a Trenton 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 Trenton in the same window and take the best offer.
See member reviews, branch locations, and full rate details.