1
Editor's pick
Reviewed today
- APR
- 4.99–17.99%
- Min. credit
- 560+
- Loan amount
- $5K–$100K
- Term
- 24–96 mo
Free · Soft pull · No obligation
Refinance · NJ
Refinance your auto loan in New Jersey.
New Jersey drivers with prime credit see refi APRs around 7.3% right now. Refinancing a typical $22,000 balance from 9.2% to 7.3% saves about $925 over the life of the loan.
7.3%
New Jersey refi APR
↑ 0.0 pts above national avg (7.3%)
720+ FICO, 60-mo term. Experian Q4 2025.
$925
Typical lifetime savings
$22,000 balance · 48 months remaining · 9.2% → 7.3% APR.
Soft pull
No credit impact
Pre-qualify with every refi lender on this page without a hard inquiry. Hard pull only if you accept the final offer.
Updated Jun 2See methodology
Free refi calculator · 30 seconds
Already financed? See what refinancing saves.
Drop in your current balance, APR, and what you'd qualify for today. We'll show the new monthly payment and your lifetime savings — then match you to lenders that quote those rates.
$22,000
9.50%
Selecting a band auto-seeds the target APR below — you can still drag the slider to override.
6.50%
48 mo
Your refinance estimate
$31/mo
≈ $1,487 lifetime savings · 48 months remaining
Old payment
$553
New payment
$522
Free · 60 seconds · Soft credit pull · No spam
Estimate only. Real refinance offers depend on credit, vehicle age, mileage, and lender minimums (most require a $5,000+ balance and a vehicle under 10 years old). Closing costs and any prepayment penalty on your current loan should be subtracted from the lifetime-savings number above.
Advertiser disclosure: Offers below are from partners that compensate us when you click or apply. Compensation does not determine our rankings. How we make money.
Rates as of Jun 2, 2026
950+ compared this weekRefinance lenders for New Jersey drivers.
National refi lenders, soft pull, no spam. Compare side-by-side and pick the one that beats your current rate.
Comparing 7 lenders· Rates verified Jun 2
Data last reviewed . Source: CarSavr editorial methodology.
Free to compare · No obligationHow we score
| Lender | APR | Min. credit | Loan amount | Term | Rated | |
|---|---|---|---|---|---|---|
1 | 4.99–17.99% Total int. ~$3,300 · $25k · 60mo | 560+ | $5K–$100K | 24–96 mo | Reviewed today | Free · Soft pull · No obligation NewStack 2–4 lenders side-by-side to compare APR, terms, and scores at once. |
2  Best for subprime refi | 5.49–17.99% Total int. ~$3,645 · $25k · 60mo | 580+ | $8K–$80K | 24–84 mo | Reviewed today | Free · Soft pull · No obligation |
3  Soft-pull · subprime-friendly · luxury ceiling | 5.49–19.99% Total int. ~$3,645 · $25k · 60mo | 580+ | $8K–$250K | 24–96 mo | Reviewed today | Free · Soft pull · No obligation |
 Best for prime refi | 6.49–13.74% Total int. ~$4,342 · $25k · 60mo | 660+ | $5K–$100K | 24–84 mo | Reviewed today | Free · Soft pull · No obligation |
 150+ partner lenders · 25 years in market | 5.39–17.99% Total int. ~$3,576 · $25k · 60mo | 580+ | $10K–$100K | 12–72 mo | Reviewed today | Free · Soft pull · No obligation |
 Best credit union refi | 5.24–17.99% Total int. ~$3,472 · $25k · 60mo | 610+ | $500–$150K | 36–84 mo | Reviewed today | Free · Soft pull · No obligation |
 No prepayment penalty · 660+ FICO refi | 5.74–24.99% Total int. ~$3,818 · $25k · 60mo | 660+ | $5K–$55K | 24–72 mo | Reviewed today | Free · Soft pull · No obligation |
2
Best for subprime refi
Reviewed today
- APR
- 5.49–17.99%
- Min. credit
- 580+
- Loan amount
- $8K–$80K
- Term
- 24–84 mo
Free · Soft pull · No obligation
3
Soft-pull · subprime-friendly · luxury ceiling
Reviewed today
- APR
- 5.49–19.99%
- Min. credit
- 580+
- Loan amount
- $8K–$250K
- Term
- 24–96 mo
Free · Soft pull · No obligation
Best for prime refi
Reviewed today
- APR
- 6.49–13.74%
- Min. credit
- 660+
- Loan amount
- $5K–$100K
- Term
- 24–84 mo
Free · Soft pull · No obligation
150+ partner lenders · 25 years in market
Reviewed today
- APR
- 5.39–17.99%
- Min. credit
- 580+
- Loan amount
- $10K–$100K
- Term
- 12–72 mo
Free · Soft pull · No obligation
Best credit union refi
Reviewed today
- APR
- 5.24–17.99%
- Min. credit
- 610+
- Loan amount
- $500–$150K
- Term
- 36–84 mo
Free · Soft pull · No obligation
No prepayment penalty · 660+ FICO refi
Reviewed today
- APR
- 5.74–24.99%
- Min. credit
- 660+
- Loan amount
- $5K–$55K
- Term
- 24–72 mo
Free · Soft pull · No obligation
APR ranges are sourced from each lender's public site and are updated regularly. Your actual rate depends on credit history, loan amount, vehicle, and state. CarSavr may earn a commission when you apply through our links — it never affects how we rank lenders.
Provider logos and trademarks belong to their respective owners and are used for identification purposes only. Providers shown for comparison and educational purposes — display does not imply partnership unless an active affiliate relationship is stated separately.
How rows are ranked: Editor's pick first, then by overall rating. Promoted placements are flagged with a Sponsored badge. Read the full methodology →
Rate alerts
Notify me when refi rates drop.
Refi rates move with the 5-year treasury — sometimes 0.5+ points in 6 weeks. Set your target and we'll email you the moment a vetted lender beats it.
New Jersey refinance FAQ
What's the average auto refinance APR in New Jersey?+
New Jersey drivers with 720+ FICO see refinance APRs around 7.3% on 60-month new-car loans (Experian Q4 2025). Subprime borrowers (sub-660 FICO) typically see 2–4 points higher. Your actual rate depends on credit, loan-to-value, and term selected.
How much could I save refinancing in New Jersey?+
If your current auto loan is at the U.S. median pre-refi APR of 9.2% on a $22,000 balance with 48 months remaining, refinancing at the New Jersey average of 7.3% saves about $20/month and roughly $925 over the life of the loan. Use the estimator above with your actual numbers for a personalized projection.
Are out-of-state refi lenders licensed in New Jersey?+
Yes — every refinance lender we list is licensed nationally and serves New Jersey borrowers. Local New Jersey credit unions sometimes beat national APRs by 0.3–0.7 points for members; worth checking after running the national comparison.
Does New Jersey charge tax on a refinanced auto loan?+
New Jersey sales tax (6.625%) was paid when you originally purchased the car — refinancing replaces the loan, not the title transfer, so there's no additional state sales tax. New Jersey applies the rate to the full price including dealer doc fees.