Auto Loans
Auto Loan Rates as Low as 3.89% APR for New CarsFootnote 1
Applying is easy, and you could get a decision in seconds. Plus, we offer a discount for Active Duty and retired military.Footnote 2
Our Great Auto Loan Rates Pass Inspection. Hit the Road With the Right Rate!
Whether you’re looking to buy or refinance, we’re here to help.
Today's Auto Purchase and Refinance Loan RatesFootnote 1
| 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% | 6.49% | 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: 2024 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: 2023 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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See What Our Members Have to Say
NFCU is the best place to get an auto loan. It took me less than 2 minutes for approval. Go to nearest branch pick up the check and go buy the car. I love it.Footnote 4
- Navy Federal Member Richard
Car Buying Service
Shop for your next new or used car with our Car Buying Service, powered by TrueCar®.Footnote 5 You can search online for the car you want, see upfront price offers from TrueCar Certified Dealers,Footnote 6 get a trade-in offerFootnote 7 and see bonus incentives on select vehicles.
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Whether you're a first-time car buyer or you've been down this road before, learn how to take the next steps toward your next car.
Auto Loan FAQs
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Get 24/7 support from our US-based member service team. You can reach us online, over the phone or at a branch. Contact us.
If you're ready to apply for an auto loan or want to check the status of your loan, please call us at 1-888-842-6328.
Disclosures
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: 2024 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: 2023 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.
↵Direct deposit is 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. Existing Navy Federal loans are not eligible for this offer. Auto refinance loan must be at least $5,000. Loan must be open for at least 60 days with first scheduled payment made to be eligible for the $200, which will be credited to the primary applicant’s savings account between 61 and 65 days of the loan origination date. Offer may end at any time. Recipient is solely responsible for any personal tax liability arising out of this incentive.
↵The views expressed in the reviews are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information. Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer.
↵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.
↵Terms and conditions apply and are available at the Car Buying Service website, hosted by TrueCar.
↵We offer this service free of charge. Your mobile carrier will apply standard text messaging rates. Message and data rates may apply. Terms and Conditions are available.
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