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This calculator is for general education purposes only and is not an illustration of current Navy Federal products and offers.

Ready to refinance your auto loan today? Apply Now

How This Auto Refinance  Calculator Works

Enter the remaining balance, loan term and interest rate for your current loan and what you expect your refinance loan to be, so you can see how different loan terms, interest rates, or down payments could impact your finance charges and monthly payments.  

Explanation of Terms

Remaining Balance: Enter the amount you still owe on your existing auto loan. 

Loan Terms: A loan term is the amount of time you will be paying your monthly auto loan payments—basically, how long your car loan payoff will take. While longer term loans allow for a smaller monthly payment, they’ll add up to larger amounts of interest paid on a car by the end of the term.

Interest Rate: A car loan’s interest rate will depend on a few factors—including credit score, term length and lender. The lowest interest rates will be available for buyers with high credit scores, short term lengths and those who take out loans with credit unions like Navy Federal, rather than a bank or other alternative lender.

Additional Resources

Already Have an Auto Loan With Another Lender?

If you didn't finance your auto loan at Navy Federal, now's your chance! Refinance with us and get $200!1

Learn more about car refinancing rates

Registration & Titling

Learn the ins and outs of the car registration process.

Learn More

Auto Insurance & Asset Protection

You could enjoy exclusive member savings on auto insurance as well as Guaranteed Asset Protection.

Learn more about car refinancing rates

Not a Member? Join today. 



Credit and collateral subject to approval. Existing Navy Federal loans are not eligible for this offer. Auto refinance loan must be at least $5,000. Loan must be open for at least 60 days with first scheduled payment made to be eligible for the $200, which will be credited to the primary applicant’s savings account between 61 and 65 days of the loan origination date. Offer may end at any time. Recipient is solely responsible for any personal tax liability arising out of this incentive.

This content is intended to provide general information and shouldn't be considered legal, tax or financial advice. It's always a good idea to consult a tax or financial advisor for specific information on how certain laws apply to your situation and about your individual financial situation.