Navy Federal Credit Union

Auto Loans


Getting a Loan

You've done your research and you know what you want to buy. Now it's time to think about an auto loan.

Apply for a New or Used Auto Loan

When it comes to auto loans, we want our members to get an excellent deal. We provide low rates, 100% financing, and great service. With an auto loan from Navy Federal, you can upgrade your ride and save hundreds. So let our low rates put you in your next car!

View rates

Find out what you'll need to apply

Personalize your auto loan

or call 1-888-842-6328Phone Tree Icon

Refinance Your Current Auto Loan

Refinance your auto loan with Navy Federal for low rates and a great money-saving opportunity. Apply online, and in just a few minutes, you'll be on your way to lowering your monthly payments.

View rates

Find out what you'll need to apply

Calculate the savings

or call 1-888-842-6328Phone Tree Icon
Buy a Car in 3 Steps

Car Buying Tips

A car is a big investment. Before you make the plunge, check out these handy tips and guide to help you get a great deal.

Quick Tips

Found your dream car and ready to purchase? Use our quick and secure application to start the loan process.

or call 1-888-842-6328

Auto Buying Program

Our Auto Buying Program is an excellent place to get started. It provides a streamlined and hassle-free way to find, buy, and save on a new or used vehicle. You'll get access to automotive savings not available to the general public.

  • Simplified, no-stress buying experience
  • Low, established program pricing
  • Nationwide network of participating dealerships
  • Trained Dealer Specialists

Go to the Navy Federal Auto Buying Program

or call 1-888-842-6328

Already found your dream car? Estimate your payments and apply for a loan.

Overseas and Looking to Buy a Car?

Our Overseas Auto Buying Program is now available! Enjoy a hassle-free buying experience and get upfront guaranteed pricing.

  • Take advantage of great loan rates with 100% financing available
  • Custom order or choose from a wide selection of vehicles in stock
  • Arrange for delivery overseas or stateside
  • Enjoy 24/7 live member service

No matter where you're stationed, you can get a great set of wheels at a great price!

Safeguarding Your Loans

Optional Guaranteed Asset Protection

If your vehicle is totaled in an accident or stolen and not recovered, the insurance settlement is based on the actual cash value, not the outstanding loan balance. This could create a loan "gap"—money you owe on the loan after the insurance company pays its portion. GAP may cover the difference between the outstanding loan amount and the actual cash value and covers up to $1,000 of your deductible. Note: GAP cannot be transferred from one vehicle to another. GAP protects up to 150% of the actual cash value of the vehicle.

Note: For new loans: GAP can be added during the initial online loan application process, in person at a branch, or by phone.

For existing loans: Call us at 1-888-842-6328 or our international phone numbers.

Payment Protection Plan

Our optional Payment Protection Plan may cover you in the event you become disabled, involuntarily unemployed (including honorable discharge) or in the event of a loss of life. At times when you are not able to make your minimum credit card or auto loan payments, we may cancel your payments.

To purchase one of our protection plans, call 1-888-842-6328.

Your purchase of a Payment Protection Plan is optional. Refer to agreement for eligibility requirements, conditions and exclusions.

Rates & Terms


Helpful Resources

Auto Buying Program

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