WALL, N.J.-Taking a beating from manufacturer leasing deals, First Financial FCU fought back with a 2% cash-back offer that it expects will help return its auto lending to positive growth this year.

CEO Issa Stephan explained that in 2012 there was little the credit union could do to move car loans, and as a result experienced negative auto loan growth due to the abundance of lowball leasing deals in the New Jersey area siphoning away large chunks of car buyers.

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