Auto loan rates in Paramus, NJ, are low. The average national 48-month new-car loan rate is now at 4.09 percent.And there are five lenders in this survey offering rates lower than that average. You will find one lender in this survey offering 1.99 percent.But before you settle on a lender, make sure to check out the conditions and fees for each loan.ere are the auto loan rates in Paramus, NJ, as of 11 a.m. on Thursday. The 48-month new-car loan rates vary from 1.99 percent to 4.04 percent.