1. Step 1

    You’ll need to provide the following information

    • Contact information for applicant and co-applicant (phone number and email)
    • Current housing, employment and income information for applicant and co-applicant
    • Trade-in information (title or loan information, registration, etc.)
    • Amount you expect to finance (including vehicle purchase price, taxes, tags, title and warranty, less any down payment)
    • Length (term) of the loan you want

    If you’ve already picked out the vehicle you wish to buy, we’ll also need:

    • the 17-character Vehicle Identification Number (VIN)
    • the state where you’ll register the vehicle
    • the exact mileage
    • the dealer or seller's name

    Don’t have your vehicle picked out yet? No problem! Learn more about applying for pre-approval.

  2. Step 2

    After submitting your application, you’ll receive a text* or email letting you know if you were approved.1

    We understand that when shopping for a car, you can’t always wait around for a decision. That’s why we typically provide auto loan decisions in 5 minutes or less.

  3. Step 3

    Receive your funds

    You can choose to pick up a check at your nearest branch or have it mailed to your home.

  4. Step 4

    Send us the title

    Once you pay the seller, ensure the title is received by Navy Federal within 90 days of purchase.


1 Credit and collateral subject to approval.