Choose Your Path to Auto Loan Savings: Refinance or Start Fresh!
At Princeton Federal Credit Union, we strive to make your auto loan work better for you—whether you're refinancing an existing loan or financing a new vehicle. Proudly serving our members everywhere, especially our neighbors in Princeton and Trenton, we know how vital reliable transportation is for work, school and fun. Choose one of our two exclusive, limited-time offers to save money and reduce stress.
Option 1: Lower Your Monthly Payment
Up to 2% OFF Your Auto Loan APR
Ideal for those with an existing auto loan from a dealer or another financial institution. If your credit has improved since you first financed your vehicle, refinancing with us could significantly reduce your monthly payments and overall interest. Bring your current loan details to us, and let's see how much you can save!
Option 2: Ease Into Payments
Enjoy no payments for the first 2 months of your loan (penalty free!)
Perfect for anyone starting a new auto loan with Princeton FCU, especially if you're in the market for a car and planning to purchase within the next 3 months. Enjoy a smooth start without immediate payments, giving you time to settle into your new ride.
Why Choose Princeton Federal Credit Union for Your Auto Loan?
Competitive Rates and Terms: We offer flexible options tailored to your financial situation, with no hidden fees.
Local Expertise: As a community-focused credit union, we're dedicated to serving our members, understanding those who need reliable vehicles for commuting.
Quick and Easy Process: Apply online, over the phone, or in person—pre-approvals available to make your next car purchase stress-free.
Personalized Support: Our team will help you explore financing options that make sense given your individual circumstances.
Apply Today (No Application Fee!)
Stop by our friendly branch at 774 Alexander Road in Princeton or call 800-456-5036 and Select Option 3 to get started. We're here to help you drive forward with confidence!
TERMS AND CONDITIONS
*APR= Annual Percentage Rate. APR, terms, and/or loan to value of vehicle vary based on model year of vehicle and applicant creditworthiness. Must be a PFCU member in good standing (becoming a member is fast and easy!) and meet all lending requirements. Auto loan rates are accurate as of October 1, 2025, and are subject to change at any time without notice. PFCU reserves the right to terminate this promotion at any time. Limited time offer. Includes refinance of 2015 and newer model year vehicles. Minimum loan amount of $5,000 with a floor rate of 5.99% APR (payment per $1,000 borrowed for 60 months is $19.33). Existing auto loans at PFCU are not eligible for refinance. **Savings of $1,148.40 is based on a $20,000 loan for 60 months at 8.99% APR (payment per $1,000 is $20.75) that is refinanced with PFCU at $20,000 for 60 months at 6.99% APR (payment per $1,000 is $19.80). Please contact the credit union for complete details. Cannot be combined with any other promotions. This credit union is federally insured by the National Credit Union Administration (NCUA). Equal Housing Lender.
New Auto Loans
As Low As % APR*
We offer financing as follows:
model year or newer
Up to 140% of the vehicle cost (including taxes, tags and/or extended warranty purchased)
Up to an 84-month term
Get Pre-Approved Today
Give yourself that cash-in-hand negotiating advantage at the car dealership. Loan applications may be submitted for a loan pre-approval before you make a vehicle selection.
Stop by our friendly branch or apply for an auto loan
Apply by phone by dialing (609) 945-6200 Option 3.
Used Auto Loans
As Low As % APR*
We offer financing as follows:
or newer
Minimum loan amount of $1,000
Up to an 84-month term
Additional Details
Your auto loan may include:
No penalty for an early payoff
Automatic loan payment option via direct deposit or payroll deduction
New Auto Loan Rates
Applicable to New Motorcycles and Recreational Vehicles
Last Updated: September 1, 2025
**Add .50% APR if payment is not auto-deducted from the checking account with full direct deposit into the checking account with PFCU.
Not a member of PFCU yet? You are welcome to get started by applying for a loan.
Note: PFCU membership in good standing is required for all PFCU loans, and becoming a member is fast and easy.
| Type | Min. Amt. to Borrow | Max. Amt. to Borrow | APR* as low as | Max. Term (months) | Payment per $1,000 |
|---|---|---|---|---|---|
| (new) | $1,000.00 | $100,000.00 | %** | 60 | $ |
| (new) | $1,000.00 | $100,000.00 | %** | 72 | $ |
| (new) | $1,000.00 | $100,000.00 | %** | 84 | $ |
Used Auto Loan Rates
Applicable to Used Motorcycles and Recreational Vehicles
Last Updated: September 1, 2025
**Add 0.50% APR if payment is not auto-deducted from a PFCU checking account monthly with full direct deposit.
Apply by phone by dialing (609) 945-6200 Option 3
Note: PFCU membership in good standing is required for all PFCU loans, and becoming a member is fast and easy.
| Type | Min. Amt. to Borrow | Max. Amt. to Borrow | APR* as low as | Max. Term (months) | Payment per $1,000 |
|---|---|---|---|---|---|
| or newer | $1,000.00 | $100,000.00 | %** | 60 | $ |
| or newer | $15,000.00 | $100,000.00 | %** | 72 | $ |
| or newer | $20,000.00 | $100,000.00 | %** | 84 | $ |
| to | $1,000.00 | $100,000.00 | %** | 60 | $ |
| to | $1,000.00 | $100,000.00 | %** | 72 | $ |
TERMS AND CONDITIONS
*APR= Annual Percentage Rate. APR, terms, and/or loan to value of vehicle vary based on model year of vehicle and applicant creditworthiness. Must be a PFCU member in good standing (becoming a member is fast and easy!) and meet all lending requirements. Auto loan rates are accurate as of October 1, 2025, and are subject to change at any time without notice. PFCU reserves the right to terminate this promotion at any time. Limited time offer. Includes refinance of 2015 and newer model year vehicles. Minimum loan amount of $5,000 with a floor rate of 5.99% APR (payment per $1,000 borrowed for 60 months is $19.33). Existing auto loans at PFCU are not eligible for refinance. **Savings of $1,148.40 is based on a $20,000 loan for 60 months at 8.99% APR (payment per $1,000 is $20.75) that is refinanced with PFCU at $20,000 for 60 months at 6.99% APR (payment per $1,000 is $19.80). Please contact the credit union for complete details. Cannot be combined with any other promotions. This credit union is federally insured by the National Credit Union Administration (NCUA). Equal Housing Lender.