Auto Loans in Edison, NJ

Find the best auto loan at a low-rate with Pinnacle FCU in New Jersey.

Looking to establish credit?
Trouble with your credit?
Experienced borrower?
Current rate too high?

Our Simple Choice Auto Loan Program has something for everyone! Enjoy a budget-friendly payment options with flexible repayment terms. Plus, our paperless loan process make it convenient and easier than ever.

Ask Auto App

Buying a car? The AskAuto® app can help.

Find the perfect car and perfect loan with the new AskAuto app for your smartphone or tablet.

Whether you’re buying a vehicle now or in the future, we’ve got a powerful new shopping tool that can help make your shopping experience easier.

With the AskAuto app, you can:

  • Scan VINs to get average retail cost and EPA mileage estimates on cars you like.
  • Compare, rank and save notes on vehicles you want to buy.
  • Learn which loans might be best for you.
  • Apply for a loan anytime, anywhere using your smartphone or mobile device. Just scan your driver’s license* and the AskAuto app prefills the loan application with your personal information and vehicle info for the car you’re interested in. Saves you time and key strokes.

Want to take AskAuto for a test drive? Download your free app today: Be sure to select Pinnacle FCU on the app’s startup screen.

*Driver’s license scan not available in all states.

Credit Disability and Credit Life

Choosing the insurance that helps give you peace of mind.

While you can’t predict an accident, you can plan how you’ll be able to financially handle one should it occur. MEMBER’S CHOICE® Credit Life Insurance and Credit Disability Insurance plans offer loan-specific coverage.

MEMBER’S CHOICE® Credit Life Insurance is a voluntary coverage that can help reduce or pay off your loan balance, up to the maximum limit, if you or your covered co-borrower pass away.

MEMBER’S CHOICE® Credit Disability Insurance is a voluntary coverage plan that helps make monthly loan payments, up to the maximum limit, should you become totally disabled, until you are no longer disabled.

*CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusion may apply. Please contact your loan representative or refer to the Group Policy for a full explanation of the terms.

Guaranteed Asset Protection (GAP)

Choosing the insurance that helps give you peace of mind.

Guaranteed Asset Protection (GAP)
It’s like an airbag for your vehicle loan.

If your vehicle is totaled or stolen, GAP could help fill the gap between what your car insurance will pay and what you owe on your loan, to cushion your against sudden out-of-pocket expenses. These expenses could cost you thousands of dollars.

Fair market value doesn’t seem fair if your car is totaled, because you could end up owing more on your loan than the insurance company says your vehicle is worth. Don’t’ let a wrecked car wreck your finances!

Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the GAP Waiver Agreement for a full explanation of the terms of GAP. If your choose GAP, adding the product fee to your loan amount will increase the cost of GAP. You may cancel the protection at any time, If you cancel protection within 90 days you will receive a full refund of any fee paid. You will receive additional information before you are required to pay the fee for this product.

Mechanical Repair Coverage

The miles can add up, but the repair costs don’t have to.

What is MEMBER’S CHOICE® Mechanical Repair Coverage?
It’s hard to anticipate vehicle repair and maintenance. Budgeting for this can be difficult and can tie up funds earmarked for other needs. MEMBER’S CHOICE® Mechanical Repair Coverage (MRC) is a voluntary product that may help pay for repairs on your vehicle, giving your more control to help you keep your car on the road where it should be.

How Does it Work?
If your vehicle breaks down, Mechanical Repair Coverage pays for the cost of covered repair, less any deductible, at any authorized repair facility in the U.S. or Canada. Your loan officer can show you how a few simple steps will help you take more responsibility for your financial future. You can cancel within 60 days for a full refund if the agreement has not been used. Or you can cancel anytime after that for a pro-rated refund less an administrative fee. If at any time you have questions, simply contact us.

Why is it Valuable?
Typically, as the age of your vehicle increases so does the average cost of repairs. That’s why Mechanical Repair Coverage is so valuable. MRC provides rental reimbursement, 24-hour emergency roadside assistance and travel expense reimbursement; in addition, if you sell your vehicle privately, the coverage can be transferred (for a fee).

Be sure to read the Vehicle Service Contract or Insurance Policy which will explain the exact terms, conditions, and exclusions of this voluntary product. Coverage will vary by state. MEMBER’S CHOICE® Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except AK and CA, where coverage is administered by Virginia Surety Company, Inc., in WA, where coverage is administered by Automotive Warranty Services, Inc., in FL, LA, OK and WI, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023) and in AZ, where the Obligor and Administrator is Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In those states where MEMBER’S CHOICE® Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI) it is underwritten by Virginia Surety Company, Inc.

Auto Insurance

Exclusively for credit union members

You could save up to $343.90* on car insurance.

Call for your FREE, no obligation quote:
Visit TruStage at
Toll-free 1-888-380-9287
Monday – Friday 7am – 1am; Saturday 7am – 11:30pm; Sunday 9am – 10pm ET

Discounts on car insurance
A wide variety of discounts are available and include:
• Multi-car discount
• Anti-lock brakes
• Air bags, automatic seat belts
• Anit-theft device
• Good student discounts

Benefits for car insurance
• 24-hour claims service (even on holidays)
• Fast appraisals (typically within 24 hours)
• Guaranteed auto repairs (for as long as you own the vehicle)

Combine car and home coverage and save even more
Your car and home are major investments and you want to make sure that they are well protected. Pinnacle FCU has carefully chosen the TruStage™ Auto & Home Insurance Programs and is making it available to you as a member of Pinnacle. This TruStage program works closely with leading insurance companies to provide the quality protection you need – at the prices you can afford.

TruStage products and programs are made available through the companies of the CUNA Mutual Group. They have been providing insurance and financial services designed for credit unions and their members for more than 75 years, serving more than 13 million credit union members.
TruStage is the marketing brand for the Auto & Home Insurance Program made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverage and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Your credit union enables this insurance program to be offered and is entitled to compensation from CMFG Life Insurance Company.
*Figure based on a February 2011 national sample of auto policyholder savings when comparing their former premium with those of the TruStage Auto & Home Insurance Program. Individual premiums and savings will vary depending on your insurance carrier and coverage and limits purchased.

helpful tools to put you in the drivers seat.

*APR=Annual Percentage Rate. Rates shown are base rates. The actual rate will be based on term and individual credit worthiness. Rates effective as of February 24, 2015. Terms available up to 84 months. Please contact for full terms and conditions.  Pinnacle FCU is an Equal Opportunity Lender.