Car Buying Service
SHOP FOR YOUR NEXT CAR ONLINE
Members paid an average of $2,749 below MSRP on new vehicles in 2025!Footnote [1]
- search online and get upfront price offers from local TrueCar Certified DealersFootnote [3] Footnote [4]
- access special incentive offers from select manufacturersFootnote [5]
- get a trade-in offer in minutesFootnote [6]
With our Car Buying Service,Footnote [2] you can:
Discover Special Incentive Offers
In addition to receiving member pricing, you can get up to $5,000 special incentive offers on select vehicles.Footnote [5]
Get on the road with our great auto loan ratesFootnote [7]
| Loan Term | 12-36 Months | 37-60 Months | 61-72 Months | 73-84 Months | 85-96 Months |
|---|---|---|---|---|---|
| New Auto Loan APR as low as | 3.89% | 4.29% | 4.59% | 5.99% | 7.39% |
| Used Auto Loan APR as low as | 4.79% | 5.29% | 5.39% | N/A | N/A |
- Advertised “as low as” annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, loan type, model year, mileage, term, and loan amount. Rates subject to change.
- Loan terms greater than 72 months only available for vehicles with fewer than 7,500 miles.
- Minimum loan amount is $30,000 for terms of 85-96 months.
Definitions
New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles). NOTE: Vehicles with 7,500 or more miles are not eligible for loan terms greater than 72 months and may incur rates that differ from vehicles with fewer than 7,500 miles.
Used Vehicles: 2024 and older model years or any model year with over 30,000 miles. Vehicles 20 years or older (based on model year) are considered classic or antique and subject to Other Eligible Vehicle rates.
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Disclosures
Figure is based on reported 2025 sales data from dealers that subscribe to the TrueCar Analytics Service and represents the average amount paid below the Manufacturer Suggested Retail Price (“MSRP”) by members who purchased a new vehicle through the Navy Federal Car Buying Service, powered by TrueCar (arithmetic mean of MSRP minus actual transaction price across 3,093 reported sales; outliers and records with missing data were excluded). Actual results vary based on multiple factors, including vehicle selected, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change. The MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer's trade area, as many vehicles are sold below MSRP. Each dealer sets its own pricing. Navy Federal Credit Union receives compensation from TrueCar when members purchase vehicles through the Navy Federal Car Buying Service, powered by TrueCar.
↵TrueCar operates the Navy Federal Car Buying Service. Navy Federal is not responsible for any offer, purchase, lease, or service provided by or through the Navy Federal Car Buying Service.
↵TrueCar Certified Dealers are contractually obligated by TrueCar to meet certain customer service requirements and complete the TrueCar Dealer Certification Program.
↵TrueCar provides a market average for cars like the one you want, based on actual recent transactions by other buyers. Additional information regarding the calculation of TrueCar's Market Averages is available at navyfederal.truecar.com.
↵Availability and amount of bonus incentive offers are subject to change.
↵Terms and conditions apply and are available at the Car Buying Service website, hosted by TrueCar.
↵Credit and collateral subject to approval. Advertised “as low as” annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, loan type, model year, mileage, term, and loan amount. Rates subject to change.
New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles). NOTE: Vehicles with 7,500 or more miles are not eligible for loan terms greater than 72 months and may incur rates that differ from vehicles with fewer than 7,500 miles.
Payment example: New auto loan of $20,000 for 36 months at 3.89% APR will have a monthly payment of $591.
Used Vehicles: 2024 and older model years or any model year with over 30,000 miles. Vehicles 20 years or older (based on model year) are considered classic or antique and subject to Other Eligible Vehicle rates.
↵Navy Federal Credit Union and Military AutoSource are not affiliated companies. Navy Federal is not responsible for any offer, purchase, or service provided by or through Military AutoSource.
Benefits not available in all states. Additional terms, conditions, and limitations apply and are available at the linked Car Buying Service website, hosted by TrueCar.
↵Two CARFAX Vehicle History Reports™ may be accessed while your auto loan preapproval through Navy Federal remains open. If you do not obtain a preapproval, a CARFAX Vehicle History Report™ will be sent to you for the used vehicle you finance with Navy Federal. Offer may expire at any time. It is intended for personal use only and may not be used for commercial purposes. Navy Federal Credit Union is in no way responsible for the accuracy of the CARFAX Vehicle History Reports™. Access to CARFAX Vehicle History Reports™ is subject to CARFAX consumer Terms and Conditions. CARFAX reserves the right to take appropriate action for the misuse of this offer. CARFAX is a registered trademark of CARFAX, Inc. CARFAX Vehicle History products and services are based only on information supplied to CARFAX. CARFAX does not have the complete history of every vehicle. Use the CARFAX search as one important tool, along with a vehicle inspection and test drive, to make a better decision about your next used car.
↵Your purchase of Guaranteed Asset Protection (GAP) is optional. Whether or not you purchase GAP will not affect your application for credit or the terms of any existing credit agreement you have with Navy Federal. You may choose to pay the fee in a single lump sum or you may finance it into your loan, which would increase the cost (NOTE: California Active Duty and Active Reserve Duty Servicemembers cannot finance the fee). If you cancel your optional GAP coverage within 60 days of enrollment, you will receive a full refund of any fees. Additional information will be provided to you, which will include a copy of the GAP Agreement and Disclosure (NFCU23A) containing the terms of the plan. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under the plan. You should carefully review the additional information for a full explanation of terms.
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