Auto Loans


Let us get you behind the wheel of your dream auto today!

Before you begin looking for your next auto, come to us for your auto loan needs.  Get Pre-Approved today! Or apply and walk out with a check in as little as one day.  Our loan staff is will help you along the way step by step.  We will get you into a comfortable payment, reviewing payment protection plans, all the way through the closing.  The protection coverage plans that we offer are less expensive than the auto dealers, thus keeping more money in your wallet.   Our protection plans include a variety of options, see below for more information.  Ask us about these plans and their benefits at your time of application.  Now you will be ready to head to the dealers and shop for your auto.

New or used, we are your auto loan resource.

  • Up to 100% financing
  • Competitive auto loan rates
  • Flexible terms of up to 72 months
  • Payments that fit your budget
  • Set up convenient automatic payments
  • Protection options for your loans and vehicle at a lower cost than the dealers offer.  Click here for more information. The menu of options includes:
    • GAP Coverage (Guaranteed Asset Protection)
    • Depreciation Protection (DPW) with free Auto Deductible Reimbursement (ADR)
    • Auto Deductible Reimbursement (ADR)
    • Vehicle Protection Plan (VPP)
    • Mechanical Breakdown Protection (MBP)
    • Debt Protection Program (DPP)
    • Optional Disability and Life Coverage

Do you have a question about a car loan? We look forward to assisting you.  Just visit our office, give one of our Loan Officers a call at 973-947-1000 option 2, or email us at

Auto Rates

Effective Date 4/1/2021, Rates Subject to Change

New & Used VehiclesAPR
As Low As3.25%

APR = Annual Percentage Rate

Apply for an Auto Loan.

Click Here

Complete the application, sign it, and send back via FAX: 973-947-0999 or secure email: , drop by the branch or in our drive thru.

*All Loans are subject to Novartis FCU lending guidelines and credit worthiness.  Membership is required.

We are convenient. fast. friendly.