Refinance Your Car Loan
Refinancing your car loan from another lender with Navy Federal could save you money and allow you to set the term that works best for you.
- Easy application process online or via our mobile app*
- Competitive, low rates
- Low monthly payments
- 24/7 access to a stateside member rep
Auto Refinance Loan Rates3
|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|
|Late Model Used Vehicle||3.29%||3.99%||4.79%||N/A||N/A|
Rates as of February 23, 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.Apply Now for an auto refinance loan
Auto Loan Resources
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
Find out how to lower your monthly car payments and get a great rate.Learn More about Refinancing Process
Should You Refinance?
By refinancing your auto loan, you can allocate funds to other parts of your life.Learn More about Should You Refinance?
1Existing Navy Federal loans are not eligible for this offer. You must make your first scheduled payment in order to receive this offer. $200 will be credited to the primary applicant’s savings account between 61 and 65 days of the loan origination date. If the auto refinance loan is canceled or paid off in the first 60 days, the $200 offer will become invalid. Offer may end at any time. Recipient is solely responsible for any personal tax liability arising out of this incentive.↵
2This 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.↵
3Credit 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.↵