Loan Products

Car Loans

Car Loan Brochure

Looking to buy a car? Our competitive low interest car loans make owning the car or SUV of your dreams more affordable.

  • Low, fixed interest rates—same starting rates for new and used cars!
  • Repayment terms up to 72 months (for loans over $30,000)
  • Financing up to 100% (new cars only with GAP Plus protection purchased from the Credit Union)
  • Loan payments can be automatically withdrawn from your UPFCU savings or checking account
  • Prepayment option - you can always make a larger payment with no prepayment penalties
  • Research, compare prices, search dealer inventories and find the perfect vehicle through our partnership with GrooveCar — now with Kelly Blue Book pricing

We’re excited to provide you with access to a free CARFAX Vehicle History Report for any used car you are considering purchasing. Vehicle history reports include information about a vehicle’s odometer readings, service history, number of owners and most importantly any previous damage, including flood damage. Knowing a vehicles history before you buy will help protect you from salvage, total loss, structural damage, lemon and flood vehicles.

Click on the link below to request your CARFAX report today!

CarFax

Apply today

Personal Loans

Working hard for your money does not always guarantee that you will have the extra cash on-hand to pay for large personal purchases or sudden emergencies. Rely on a personal loan to meet those cash needs.

  • Secured and unsecured loans available
  • Use for anything you wish, including high-rate debt consolidation
  • Low, fixed interest rates
  • Repayment terms up to 60 months
  • Loan payments can be automatically withdrawn from your UPFCU savings or checking account
  • Prepayment option - you can always make a larger payment with no prepayment penalties

Apply today

Holiday / Vacation Loans

Prepare for the holidays or take that dream vacation with a great, low-rate loan solution, that is much cheaper than charging it to most credit cards.

  • Amounts up to $3,000
  • Terms up to 9 months

Apply today

Business Vehicles

Do you own and operate a small business? Do you need to finance a small truck? a limo? semi-truck and trailer? or other vehicles to be used in your business? Look no further! We are your partner!

  • Borrow up to $50,000, but not more than 80% of the book value
  • Maximum term 60 months on used equipment, but not older than 5 years
  • Maximum term 72 months on new equipment
  • Rates as low as 5.99% APR (on approved credit)

United Poles Federal Credit Union is a member of njBIZloan Connection, a statewide collaboration of credit unions that process business and commercial loans

Apply today

Small Recreational Vehicle Loans

Have you been dreaming of buying a boat? A jet ski? Maybe it's the motorcycle or an ATV or even a snowmobile? Not sure how to finance such purchase? Look no further! We can help you with that.

  • Borrow up to $30,000 for max 5 years
  • Put only 10% down (financing over 80% requires GAP insurance)
  • Rates as low as 4.99% APR
Apply today