Hear from Our Customers
Most dealers won’t touch you if your credit’s not perfect. They’ll approve you, sure—then hit you with interest rates that turn a $15,000 car into a $25,000 mistake.
Here’s what changes when you buy a used cop car from us. You’re looking at vehicles that were maintained on strict government schedules. Oil changes happened on time. Inspections were mandatory, not optional. These Ford police interceptor utility vehicles and patrol cars weren’t babied, but they were cared for properly.
You get 0% interest financing. Not a promotional rate that expires. Not a bait-and-switch that only applies if you have an 800 credit score. Actual zero percent interest for everyone who walks through our door in Newark, serving Brick and the surrounding areas. That’s hundreds, sometimes thousands, saved compared to what you’d pay elsewhere. You’re not just buying a vehicle—you’re keeping money in your pocket where it belongs.
State Surplus Auto Sales isn’t your typical used car lot. Our owner spent over 25 years in law enforcement before opening this dealership more than fifteen years ago. That background matters because he knows exactly how these vehicles were used, maintained, and what to look for.
We’re located at 833 Broadway in Newark and serve buyers throughout Ocean County, including Brick, Toms River, and Lakewood. People drive from across New Jersey because the financing terms are unheard of and the vehicle quality speaks for itself. We’re independently owned, which means we’re not answering to some corporate office about approval rates or interest margins.
Brick residents especially appreciate the straightforward approach. No pressure. No games with the numbers. You see the price, you understand the financing, and you decide if it works for you.
You start by browsing our current inventory of used cop cars for sale. We keep detailed photos and information on our website, so you can see what’s available before making the trip from Brick to Newark—about 40 minutes depending on traffic on Route 70 or the Parkway.
When you visit, you’ll talk with someone who actually knows these vehicles. We’ll walk you through what you’re looking at—whether it’s a Ford Crown Interceptor or a newer Ford police interceptor utility model. You’ll see the condition firsthand. You can ask questions about mileage, history, or what kind of duty the vehicle saw.
Then comes financing. This is where we’re different. You fill out a simple application, and you’re approved. Your credit score doesn’t determine your interest rate because everyone gets 0%. We’ll discuss your down payment options and monthly payment structure. Once you’re comfortable with the numbers, we handle the paperwork and you drive home in your vehicle. The whole process typically takes a few hours, not days.
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Every used patrol car for sale in our inventory went through government maintenance protocols. That’s not marketing language—it’s documentation you can verify. These vehicles had scheduled service requirements that weren’t optional. When something needed attention, it got attention, because departments can’t afford unreliable fleet vehicles.
In Brick and throughout Ocean County, people want vehicles that can handle New Jersey roads and weather. Police interceptors were built for exactly that. They’ve got heavy-duty cooling systems, reinforced suspension components, and powertrains designed for extended idle time and quick acceleration. You’re not getting a stripped-down economy car—you’re getting something built to perform under demanding conditions.
The 0% financing applies to every vehicle on our lot. You’re not limited to certain models or years to qualify. Whether you’re interested in a Ford police interceptor utility or another model, the financing terms stay the same. We also offer better trade-in values than most dealers because we’re not trying to maximize profit on every transaction. We’d rather earn your business and your referrals than squeeze every dollar out of one sale.
Mileage tells part of the story, but maintenance history tells you more. A police interceptor with 80,000 miles that received oil changes every 3,000 miles and regular inspections is often more reliable than a civilian vehicle with 50,000 miles and spotty maintenance.
Government fleet vehicles follow strict maintenance schedules because departments can’t have cars breaking down during shifts. These aren’t vehicles that got ignored until the check engine light came on. They were serviced preventatively, which is exactly what extends vehicle life.
The other factor is how the miles accumulated. Highway miles are easier on a vehicle than stop-and-go city driving. Many patrol vehicles spend significant time on highways or in parking lots with the engine running, which is actually less stressful than constant short trips. You’re getting a vehicle that was used hard in some ways but maintained properly throughout its service life.
The Ford Crown Victoria Police Interceptor is the traditional body-on-frame sedan that was the standard patrol car for decades. It’s rear-wheel drive, has a V8 engine, and offers a smooth ride with proven reliability. These are typically older models since Ford stopped production in 2011, but they’re still solid vehicles with plenty of available parts.
The Ford Police Interceptor Utility is based on the Explorer platform. It’s all-wheel drive, offers more cargo space, and sits higher off the ground. The utility model became popular with departments because it handles better in bad weather and provides more versatility. It’s also more modern, with better fuel economy than the Crown Vic despite similar performance.
Your choice depends on what you value. If you want something simple, affordable to maintain, and proven over decades, the Crown Interceptor makes sense. If you prefer newer technology, all-wheel drive for New Jersey winters, and more interior space, the utility model is worth the typically higher price.
Yes. We don’t run your credit score to determine if you’re approved because approval isn’t the question. The question is structuring payments that work for your budget. Someone with a 500 credit score gets the same 0% interest rate as someone with a 750 score.
Traditional dealers use credit scores to justify higher interest rates. They’ll tell you that you’re “high risk” and charge you 18% or more. That’s how they make money—not on the vehicle sale but on the financing. We make money by selling quality vehicles at fair prices and earning repeat business and referrals.
The catch, if you want to call it that, is that you still need a down payment and verifiable income. We’re not a charity—we need to know you can make the monthly payments. But we’re not going to penalize you with inflated interest rates because you had financial problems in the past. That’s the difference between our approach and what you’ll find at most dealerships in Brick or anywhere else in New Jersey.
We provide whatever documentation we receive when we acquire vehicles. Government agencies typically keep detailed maintenance logs, and we pass those along when available. You’ll see records of oil changes, inspections, repairs, and any major work performed during the vehicle’s service life.
Some agencies are better than others about providing complete records. Larger departments often have more thorough documentation than smaller municipalities. We’re transparent about what we have—if records are limited, we’ll tell you that upfront.
You can also request a vehicle history report, which will show reported accidents, title status, and some service records if they were reported to tracking services. Between our documentation and independent reports, you get a clear picture of what you’re buying. That’s more transparency than you’ll find at most used car lots, where you’re lucky to get basic information about previous ownership.
Most people complete the entire process in two to three hours. That includes looking at vehicles, test driving, discussing financing, completing paperwork, and driving home. If you’re coming from Brick during a weekday, plan for about 40 minutes each way, so you’re looking at roughly a half-day commitment.
You can speed things up by browsing our inventory online first and calling ahead about specific vehicles you’re interested in. We’ll confirm availability and answer basic questions over the phone. That way, when you arrive, you’re focused on the vehicles that actually meet your needs rather than starting from scratch.
The financing application is straightforward—basic personal information, income verification, and down payment discussion. Since everyone’s approved at 0% interest, we’re not waiting on bank responses or negotiating rates. We structure the payment plan, you review the numbers, and if everything works, we move forward. No back-and-forth with a finance manager trying to sell you extended warranties or additional products you don’t need.
Check the interior condition first. Police vehicles see heavy use—officers getting in and out constantly, equipment mounted and removed, and general wear from daily shifts. Look for excessive wear on the driver’s seat, dashboard cracks, and the condition of door panels. Some wear is normal, but you want to see that the vehicle was reasonably cared for.
Under the hood, look for signs of fluid leaks, check the condition of belts and hoses, and note whether the engine bay looks maintained or neglected. Police vehicles idle a lot, which can be hard on cooling systems, so check the radiator and coolant condition. Ask about when major services were last performed—timing belts, transmission service, brake work.
Test drive the vehicle and pay attention to how it handles. The suspension on police interceptors is beefed up, but it still wears out. Listen for unusual noises, feel for vibrations, and test the brakes thoroughly. These vehicles were driven hard, so you want to confirm everything performs as it should. Our staff will walk you through what to look for because we’d rather you buy the right vehicle than just any vehicle.
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