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0% APR Loan During Government Shutdown

We’re monitoring the potential government shutdown. In the event of a shutdown, loan assistance will be available for eligible members.
Check this page for updates.

If Your Pay Is Impacted

To help members affected by the government shutdown, we’re again offering assistance. You may be eligible for this aid if you meet these 3 criteria:

  • Your pay is impacted by the shutdown
  • You've set up direct deposit of pay with Navy Federal
  • You're one of the following:
    • A federal government employee
    • An Active Duty servicemember 
    • A federal government contractor paid directly by the federal government

We’re monitoring the situation and will provide updates to this page as they become available.

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View Terms & Conditions 

Download FAQs 


Enrollment in the Government Shutdown Program

  1. Loan Amounts. Loan amounts are calculated based on the amount of the most recent direct deposit of pay that was made to your account prior to your pay interruption. The Loan Amount Eligibility Chart can help you determine how much you’re eligible to apply for.
    • Maximum loan amount: $6,000
    • 0% APR—no fees or interest charges associated with this loan
    • No credit check required
  2. Program Registration. For loan proceeds to be available on your scheduled pay date, you must register by the day before your scheduled pay date. We’ll continue accepting registrations until 3 days after your scheduled pay date.
  3. Disbursement. Loans will be available and disbursed only if the government fails to pay eligible members in connection with the government shutdown.
  4. Repayment. Once direct deposit of pay resumes, the amount credited to your account(s) will be deducted automatically as repayment.

Still Need Help? 

We’re here to help our members during periods of financial difficulty. If your pay is disrupted, but you don't meet the eligibility requirements, we recommend you visit a branch or contact us at 1-888-842-6328 to discuss your situation with one of our Member Service Representatives.

Loan Amount Eligibility

Last Eligible Direct Deposit of Pay

Loan Amount

$250 to $500


$501 to $1,000


$1,001 to $1,500


$1,501 to $2,000


$2,001 to $2,500


$2,501 to $3,000


$3,001 to $3,500


$3,501 to $4,000


$4,001 to $4,500


$4,501 to $5,000


$5,001 to $5,500


$5,501 to $6,000


Greater than $6,001