The Car of Your Dreams Is Within Reach

Set your wheels in motion and buy the car you’ve been dreaming about with an auto loan from Navy Federal. All our new and used car loans come standard with competitive, low rates.

Auto Loan Features & Benefits

  • Easy application process
  • Decisions usually in 5 minutes or less
  • 100% financing
  • Discounts for military members 1

New & Used Car Loan Rates2

Loan TypeUp to 36 mos. APR as low as37-60 mos. APR as low as61-72 mos. APR as low as73-84 mos. APR as low as85-96 mos. APR as low as
New Vehicle2.89%3.29%3.59%4.99%5.89%
Late Model Used Vehicle2.89%3.59%4.39%N/AN/A
Used Vehicle4.59%4.89%5.89%N/AN/A

Rates as of October 19, 2018 ET.

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Auto Loan Resources

Calculate Your Monthly Payment

Use our calculator to determine how much your monthly payment will be.

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Auto Buying Program

Enjoy exclusive savings on your next vehicle, motorcycle or powersport.

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Registration & Titling

Learn the ins and outs of the car registration process.

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1Direct 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.

2Credit and collateral subject to approval. Rates subject to change and are based on creditworthiness, so your rate may differ. New Vehicles: Year models 2017, 2018 and 2019 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 2.89% APR will have a monthly payment of $582. Used Vehicles: 2016 and older model year or any model year with over 30,000 miles. Late Model Used Vehicles: Year models 2017, 2018 and 2019 with 7,500-30,000 miles.


Mortgages 5/5 ARM as low as+ 4.491% APR

Auto Loans as low as+ 2.89% APR

Certificates as high as 3.25% APY

Credit Cards as low as++ 7.74% APR

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