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
  • Discounts for military members 1
  • Free CARFAX® Report with approval2

New & Used Car Loan Rates4

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 Vehicle2.49%2.89%2.99%5.39%6.29%
Late Model Used Vehicle2.99%3.09%4.59%N/AN/A
Used Vehicle3.89%4.29%4.99%N/AN/A

Rates as of December 15, 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.

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Auto Loan Resources

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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.

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 2.49% APR will have a monthly payment of $577.
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.


Savings as high as 1.35% APY

Auto Loans as low as+ 2.49% APR

Certificates as high as 3.50% APY

Credit Cards as low as++ 7.49% APR

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