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 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 Vehicle2.99%3.69%3.99%5.39%6.29%
Late Model Used Vehicle3.29%3.99%4.79%N/AN/A
Used Vehicle4.99%5.29%6.29%N/AN/A

Rates as of December 16, 2018 ET.

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.

Apply Now for an auto refinance loan

Auto Loan Resources

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Auto Learning Center

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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 2017, 2018 and 2019 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: 2016 and older model years or any model year with over 30,000 miles. Late Model Used Vehicles: Year models 2017, 2018 and 2019 with 7,500 to 30,000 miles.


Student Loans as low as+ 4.29% APR

Auto Loans as low as+ 2.99% APR

Certificates as high as 3.50% APY

Credit Cards as low as++ 7.99% APR

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