New & Used Auto Loans
Shopping for a New or Used Car?
Shopping for a New or Used Car?
Get great benefits with our low-rate auto loans.
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
New & Used Car Loan Rates4
| Loan Type | Up to 36 mos. APR as low as | 37-60 mos. APR as low as | 61-72 mos. APR as low as | 73-84 mos. APR as low as | 85-96 mos. APR as low as |
|---|---|---|---|---|---|
| New Vehicle | 2.99% | 3.69% | 3.99% | 5.39% | 6.29% |
| Late Model Used Vehicle | 3.29% | 3.99% | 4.79% | N/A | N/A |
| Used Vehicle | 4.99% | 5.29% | 6.29% | N/A | N/A |
Rates as of July 19, 2019 ET.
Used Vehicles: 2017 and older model years or any model year with over 30,000 miles.
Late Model Used Vehicles: Year models 2018, 2019 and 2020 with 7,500-30,000 miles.
Auto Loan Resources
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Auto Buying Program
Enjoy exclusive savings on your next vehicle, motorcycle or powersport.
Learn More about Auto Buying Program -
Registration & Titling
Learn the ins and outs of the car registration process.
Learn More about Registration & Titling -
Auto Insurance & Asset Protection
We can help you get a great deal on auto insurance, as well as Guaranteed Asset Protection.
Learn More about Auto Insurance & Asset Protection
Auto Learning Center
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The Car-Buying Process
Want to get a great deal on your next car? Put yourself in the driver's seat with these tips.
Learn More about The Car-Buying Process -
Estimate Your Monthly Payment
Use our calculator to help you determine your monthly car loan payment.
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Applying for an Auto Loan
Get a great rate with an easy application process, plus decisions in 5 minutes or less.
Learn More about Applying for an Auto Loan -
Auto Loan Pre-approvals
A pre-approval allows you to shop with confidence, knowing how much car you can afford.
Learn More about Auto Loan Pre-approvals
Disclosures
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. ↵
2 Two CARFAX® Vehicle History Reports™ may be accessed while your auto loan pre-approval through Navy Federal remains open. If you do not obtain a pre-approval, a CARFAX Vehicle History Report will be sent to you for the used vehicle you finance with Navy Federal. Offer may expire at any time. It is intended for personal use only and may not be used for commercial purposes. Navy Federal Credit Union is in no way responsible for the accuracy of the CARFAX Vehicle History Report. Access to CARFAX Vehicle History Reports is subject to CARFAX® consumer Terms and Conditions. CARFAX reserves the right to take appropriate action for the misuse of this offer. CARFAX is a registered trademark of CARFAX, Inc. ↵
3 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. ↵
4
Credit and collateral subject to approval. Rates subject to change and are based on creditworthiness, so your rate may differ.
New Vehicles: Year models 2018, 2019 and 2020 with 7,499 miles or less. Minimum loan amount is $30,000 for terms of 85 to 96 months.
Payment example: New auto loan of $20,000 for 36 months at 2.99% APR will have a monthly payment of $583.
Used Vehicles: 2017 and older model years or any model year with over 30,000 miles.
Late Model Used Vehicles: Year models 2018, 2019 and 2020 with 7,500 to 30,000 miles. ↵
Rates
Savings as high as 1.35% APY
Auto Loans as low as+ 2.99% APR
Certificates as high as 3.50% APY
Credit Cards as low as++ 8.24% APR
We encountered an issue with our Rates feed, please call for rates or check back later.