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New Jersey Law & Public Safety Credit Union auto loan rates compared

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New Jersey · Headquarters New Jersey

Open to New Jersey law enforcement and public safety members

Rate page on njlpscu.org

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

NewNew car rates · 1 rate

As low asMembers onlyMembers only: Eligibility limit: only open to law enforcement and public safety. Other borrowers can’t get this rate.

3.84%and upNew24–84 months

NJChecked Nov 11, 2026

What the lender published

Advertised as 24-84 months; APR range 3.84%-14.94%. Rate is determined by credit risk score; the lowest rate needs 30% down. An extra 0.25% discount is available with payroll deduction.

Checked Nov 11, 2026Source njlpscu.org

Calculate payment at 3.84% from New Jersey Law & Public Safety Credit UnionVisit lender ↗

UsedUsed car rates · 1 rate

As low asMembers onlyMembers only: Eligibility limit: only open to law enforcement and public safety. Other borrowers can’t get this rate.

4.59%and upUsed24–84 months

NJChecked Nov 11, 2026

What the lender published

Advertised as 24-84 months; APR range 4.59%-16.89%. Term depends on vehicle age, up to 7 years old. Rate is determined by credit risk score; the lowest rate needs 30% down. An extra 0.25% discount is available with payroll deduction.

Checked Nov 11, 2026Source njlpscu.org

Calculate payment at 4.59% from New Jersey Law & Public Safety Credit UnionVisit lender ↗