Get competitive financing and even find a great deal before you buy. Afterwards, choose from our coverage options to keep you on the road, problem free.
Key Features
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Competitive Rates
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Free Pre-Approval
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Quick Decisions
Get a .50% Discount On Your Rate* When Your Refinance with us!
Keep the car you love and save some cash! Grab a .50% rate discount on new and used external auto refinances for terms 60 months or more. Your wallet will thank you!
AUTO LOAN SPECIAL: Promotional period - Applications accepted from April 13 to April 30 by 11:59 PM EST. Approval based on creditworthiness. Approved external refinanced loans with terms more than 60 months will receive a 0.50% rate discount. Not all applicants qualify; proof of income may be required. Promotion subject to change; restrictions may apply. For details, visit gardensavings.org or contact a CU Rep. Garden Savings is an Equal Opportunity Lender.
- Competitively low rates for new or used vehicles
- Up to 100% financing available
- Budget-friendly repayment terms up to 84 months
- Convenient automatic payment option available
- Free pre-approval for extra confidence upon negotiations
- Refinance your current vehicle to potentially lower your rate
- Loan-by-Mail program available for members who wish to get an auto loan from across the country DETAILS 2 Details NameDetails ContentParagraphTo open the popup, press Shift+EnterTo open the popup, press Shift+Enter Details Content is required. Delete
- Simple, hassle-free process supported by our local decision making and processing
- Detail-oriented lending specialists who answer your questions in a timely fashion
Additional Auto Resources
Beyond financing, we also offer a wide range of coverage options and auto buying discounts and helpful tools to our members. See Coverage Options and Auto Buying Help below for more information.
- Competitively low rates for new or used motorcycles
- Budget-friendly repayment terms up to 84 months
- Convenient automatic payment option available
- Free pre-approval for extra confidence upon negotiations
- Refinance your current vehicle to potentially lower your rate
- Includes members who financed a new vehicle up to 6 months ago
- Simple, hassle-free process supported by our local decision making and processing
- Detail-oriented lending specialists who answer your questions in a timely fashion
Auto Insurance
When it comes to securing your purchase, it's nice to have additional peace of mind. Learn about the convenient auto coverage options our partners at TruStage® Insurance can provide.
Mechanical Breakdown Coverage
Mechanical Breakdown Coverage provides protection against mechanical breakdowns above and beyond the original manufacturer's warranty. Learn more about what’s available to you as a Garden Savings member. Click here to learn more about MBP!
Guaranteed Asset Protection (GAP)
Did you know you in the event of a total loss, you could be liable for paying off the remaining loan balance on a vehicle that is no longer drivable? Bridge the gap between the difference in what you owe on your vehicle and how much the insurance company decides it is worth. Click here to learn more about GAP!
Debt Protection
Life is unpredictable. There are a wide range of unexpected events that could leave you and your family scrambling to pay monthly bills. In the event of death, disability or unemployment you wouldn't want your family to worry about making your loan payments. Click here to learn more about Debt Protection!
Verify Your Insurance
You will need to verify you have auto insurance coverage. You can provide your auto insurance information online or by calling 800-998-0763.
We've teamed up with dealers throughout Northern New Jersey to offer quality vehicles with guaranteed financing. For the full list of participating dealers click here.
We're here to help you make smart choices, not make snap judgments.
Ready to hit the road? Whether you're rebuilding your credit or starting fresh, we’ve got your back!
- Better Underwriting: We’re here to find more reasons to say YES than NO.
- Easy Loan Approval: Quick and simple, just how you like it.
- Local Lenders: Supporting your community while getting you on the road.
- Competitive Rates: Save cash on your rate and monthly payments!
Let’s get you driving. Just apply for an auto loan, and we'll handle the rest!
Garden Savings does not finance auto's purchased through a private seller.
