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
- 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
- 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.
Garden Savings does not finance auto's purchased through a private seller.
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Larry Slavin
Always friendly, excellent service, and rates.
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Debra Gottsleben
I love dealing with Garden Savings FCU!
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Jasmine Norman
Everyone goes above and beyond to help!
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Olivia Soprano
Great experience and great help!
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Katharina Woelfl
"My experience was good."
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Oscar Romero
"Excellent service, very professional and polite."
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Rachid Laamal
"Honest and best rates in town."
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Moonika T
"Easy sign up,good rates."
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Eric Bogan
"Good customer service!"
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James Griffinn
"I recommend everyone I know there."
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Robert George Jr
"Great service. They care about their members."
