Auto Loans

We'll put you in the driver's seat

Put yourself behind the wheel of a vehicle you can depend on.

New or used, sports car or family vehicle, XCEL can help you drive away in whatever kind of car you choose.  Have an existing auto loan?  We'll refinance for a lower rate with reduced payments.  Getting an auto loan or refinancing through us is as smooth as driving on a freshly paved road.

  • Competitive rates
  • Flexible terms of up to 84 months
  • Financing up to 120% of purchase price
  • Debt Protection and GAP Insurance available on new vehicles
  • Apply now or call us at 973-ASK-XCEL (973-275-9235) Option #2 to speak to a loan specialist


XCEL FCU is a credit union serving members in New Jersey, New York and across the country.