Secure the Money You Need

A loan from Navy Federal can be a great way to consolidate debt, finance home improvements or cover unexpected expenses. Applying is fast and easy, and you can enjoy a fixed monthly payment at a competitive rate. Plus, you won’t pay any origination or prepayment fees. In most cases, you’ll receive same-day funding.

Personal Loan Options

Personal Expense Loan

Navy Federal has an option to fit your unique needs—and we may even be able to deposit funds directly into your checking or savings account.

Features:

  • Simplified financing for unplanned and planned expenses such as auto repairs, vacations and other major purchases 

  • $250 to $50,000 loan amounts

Tiered Rates
Terms APR1
Up to 36 mos. 7.49-18.00%
37 to 60 mos. 14.79-18.00%

Home Improvement Loan

Get quick cash to finance your home improvement or repair projects. 

Features:

  • Great for home repairs, remodeling or efficiency upgrades

  • No collateral required

  • $25,000 minimum loan amount for 61 to 84 months and $30,000 minimum loan amount for 85 to 180 months

Tiered Rates
Terms APR2
Up to 36 mos. 7.49-18.00%
37 to 60 mos. 14.79-18.00%
61 to 180 mos 15.29-18.00%

Call 1-888-842-6328 or visit a branch to apply.


Debt Consolidation

Simplify your finances by consolidating high interest debt at a competitive, fixed rate.

Features:

  • Affordable monthly payments

  • $250 to $50,000 loan amounts

Tiered Rates
Terms APR1
Up to 36 mos. 7.49-18.00%
37 to 60 mos. 14.79-18.00%

Call 1-888-842-6328 or visit a branch to apply.


Shares Secured Loan

Secure financing without dipping into your savings, and at a lower rate. 

Features:

  • Fully secured by your Navy Federal savings account

  • Savings continue to earn dividends and become available to you as the loan is paid off

  • $25,000 minimum loan amount for 61 to 84 months and $30,000 minimum loan amount for 85 to 180 months

Tiered Rates
Terms APR3
Up to 60 months Share rate + 2.00%
61 to 180 months Share rate + 3.00%

Call 1-888-842-6328 or visit a branch to apply.


Certificate Secured Loan

Borrow 100% of your certificate's principal balance for a variety of terms at 2.00% APR above the certificate's rate.

Features:

  • Loan amount cannot exceed the certificate balance

  • Loan term must be equal to or less than the certificate term

Tiered Rates
Terms APR4
Up to 60 months Certificate rate + 2.00%

Call 1-888-842-6328 or visit a branch to apply.

Application Checklist

Here are a few things we'll need to know:

  • How much you want to borrow for your loan
  • How long you'd like to finance your loan 
  • Current employment and income (including your employer's name and contact information) 
  • Your contact information, including phone number and email. (If you'd like your loan documents sent to an address other than your address of record or to a Navy Federal branch, please call 1-888-842-6328.) 
  • Information about your co-applicant, if applicable (date of birth, address, phone number, email, income, employer's name and phone number, Social Security Number, NFCU Access Number)

Disclosures

1 Rates are based on creditworthiness, so your rate may change. Personal Loan rates range from 7.49% to 18.00% APR.
Payment Example: A loan amount of $5,000 for 36 months has a payment range from $156 to $183 and finance charge range from $623 to $1,598.

2 Rates are based on creditworthiness, so your rate may change. Home Improvement Loan rates range from 7.49% to 18.00% APR.
Payment Example: A loan amount of $5,000 for 36 months has a payment range from $156 to $183 and finance charge range from $623 to $1,598.

3 Savings Secured Loan Payment Example: Share rate plus 2.00%. Loan amount of $3,000 at 2.25% APR for 60 months has a payment of $53.

4 Certificate Secured Loan Payment Example: Certificate rate plus 2.00%. Loan amount of $3,000 at 4.05% APR for 60 months has a payment of $56.