Hit the Road With a Great Low Rate
Whether you’re looking to buy a new or used car, or even want to refinance your auto loan from another lender, we’re here to help. We offer auto loans with great rates, 100% financing, exclusive military discounts1 often with decisions in seconds. Check out how much you can save—you’ll finally stop dreaming and start driving.
Auto Loan Options
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-Mary, Navy Federal Member
Car Buying Service
Shop, compare and save thousands off Manufacturer Suggested Retail Price (MSRP) on your next new or used car with our Car Buying Service, powered by TrueCar.Learn Moreabout Car Buying Service
Registration & Titling
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Auto Insurance & Asset Protection
We can help you get a great deal on auto insurance, as well as Guaranteed Asset Protection.Learn Moreabout Auto Insurance & Asset Protection
Auto Learning Center
The Car-Buying Process
Want to get a great deal on your next car? Put yourself in the driver's seat with these steps.Learn Moreabout The Car-Buying Process
How to Apply for an Auto Loan
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Auto Loan Preapproval Process
A pre-approval allows you to shop with confidence, knowing how much car you can afford.Learn Moreabout Auto Loan Preapproval Process
Direct deposit required. This military special may expire at any time. Applicants must contact Navy Federal by phone or visit a branch to receive the discount. Active duty rate discounts (which are also available for retired military members) can be applied, subject to certain restrictions.↵
Credit and collateral subject to approval. Rates subject to change and are based on creditworthiness, so your rate may differ. New Vehicles: 2020, 2021 and 2022 model years with 7,499 miles or less. Minimum loan amount is $30,000 for terms of 85-96 months.
Payment example: New auto loan of $20,000 for 36 months at 1.79% APR will have a monthly payment of $572.
Late Model Used Vehicles: 2020, 2021 and 2022 model years with 7,500-30,000 miles.
Used Vehicles: 2019 and older model years or any model year with over 30,000 miles.
If the vehicle is 20 years or older based on the model year, the vehicle is considered classic or antique and subject to collateral loan rates.
Credit and collateral subject to approval. Rates subject to change and are based on creditworthiness, so your rate may differ. Boat and recreational vehicles must be used for recreational purposes only.
Boats: New boat loan of $20,000 for 3 years at 5.95% APR will have a monthly payment of $611.
$25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed over 84 months.
New Motorcycles: 2020, 2021 and 2022 model years with less than 1,000 miles. New motorcycle loan of $15,000 for 3 years at 6.95% APR will have a monthly payment of $465.
$25,000 minimum amount financed for 61-72 months. $30,000 minimum amount financed for 73-84 months.
Used Motorcycles: 2019 and older model years, or more than 1,000 miles regardless of title history. $25,000 minimum amount financed for 61-72 months.
Other Collateral: Loan for other collateral of $15,000 for 3 years at 7.99% APR will have a monthly payment of $473.
$25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months. Collateral loans available for up to 180 months for home improvement on your primary residence.
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