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.
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The Car-Buying Process
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Estimate Your Monthly Payment
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1 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. ↵
Collateral subject to approval. Rates subject to change and are based on creditworthiness, so your rate may differ.
New Vehicles: Year models 2019, 2020 and 2021 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.
Used Vehicles: 2018 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.
Late Model Used Vehicles: Year models 2019, 2020 and 2021 with 7,500-30,000 miles. ↵
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 6.05% APR will have a monthly payment of $612.
$25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed over 84 months.
New Motorcycles: 2019, 2020 and 2021 model years with less than 1,000 miles. New motorcycle loan of $15,000 for 3 years at 7.05% APR will have a monthly payment of $466.
$25,000 minimum amount financed for 61-72 months. $30,000 minimum amount financed for 73-84 months.
Used Motorcycles: Model years 2018 and older, 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 8.09% APR will have a monthly payment of $474.
$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. ↵
4 This calculator is provided as a self-help tool for informational purposes only. It is only intended to estimate basic monthly payments based on your inputs. All examples are hypothetical and are for illustrative purposes only. Your payment amount will differ based on a variety of factors, including when your first payment is due. Accuracy is not guaranteed. ↵