Lending Done Right. With NJ Auto Lending, your credit score is only a small part of our decision process. Employment stability and your ability to make timely monthly payments are weighted very heavily. Your story is VERY important to NJ Auto Lending (what happened that created your credit difficulties). Are those difficulties behind you? Are you committed to improving your credit profile? Our plan puts you on the path to near-prime or prime credit. Which could save you several thousands of dollars.