Best Auto Loans in New Jersey

New and used auto purchase loans plus auto refinancing options from national and regional lenders. In New Jersey, personal loans are capped at 30% APR for licensed consumer lenders, overseen by the New Jersey Department of Banking and Insurance.

New Jersey Lending Overview

Personal Loan APR cap

30%

Median Home Price

$540,000

Median Household Income

$96,000

Avg Student Debt

$37,287

State Regulator

New Jersey Department of Banking and Insurance

Notable law: New Jersey bans payday lending outright under the Consumer Finance Licensing Act and caps consumer loan interest at 30% APR, enforced by the Division of Consumer Affairs.

8 Auto Loans Lenders serving New Jersey

Best Egg

Auto Loans

4.1

APR Range: 7.99% – 29.99%
Loan Amount: $2,000 – $50,000
Min Credit Score: 660

Available to residents of New Jersey

Apply at Best Egg

Better Mortgage

Auto Loans

4.0

APR Range: 6.30% – 7.50%
Loan Amount: $50,000 – $2,000,000
Min Credit Score: 620

Available to residents of New Jersey

Apply at Better Mortgage

Bluevine

Auto Loans

3.9

APR Range: 4.80% – 95.00%
Loan Amount: $1,000 – $500,000
Min Credit Score: 620

Available to residents of New Jersey

Apply at Bluevine

Capital One Auto

Auto Loans

4.1

APR Range: 5.09% – 19.99%
Loan Amount: $4,000 – $250,000
Min Credit Score: 600

Available to residents of New Jersey

Apply at Capital One Auto

Earnest

Auto Loans

4.2

APR Range: 3.95% – 9.99%
Loan Amount: $5,000 – $500,000
Min Credit Score: 670

Available to residents of New Jersey

Apply at Earnest

LightStream

Auto Loans

4.3

APR Range: 6.49% – 24.89%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of New Jersey

Apply at LightStream

LightStream Auto

Auto Loans

4.2

APR Range: 6.49% – 20.49%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of New Jersey

Apply at LightStream Auto

OnDeck

Auto Loans

3.5

APR Range: 10.99% – 99.00%
Loan Amount: $5,000 – $400,000
Min Credit Score: 625

Available to residents of New Jersey

Apply at OnDeck

New Jersey Lending Laws

New Jersey bans payday lending outright under the Consumer Finance Licensing Act and caps consumer loan interest at 30% APR, enforced by the Division of Consumer Affairs.

The primary regulator for consumer lending in New Jersey is the New Jersey Department of Banking and Insurance. Borrowers with complaints about a lender can file reports directly with that agency or with the federal Consumer Financial Protection Bureau (CFPB).

Frequently Asked Questions

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