Auto Loans


Getting a Loan

Whether you’re looking to buy a new or used car, or even want to refinance your auto loan from another lender, we’re here to help. We provide auto loans with great rates, up to 100% financing, exclusive military discounts and decisions in 5 minutes or less.

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, up to 100% financing, great service, and decisions in 5 minutes or less. 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

or call 1-888-842-6328

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 1-888-842-6328

Rates subject to change and are based on creditworthiness, so your rate may differ. 2.89% rate available on 2017, 2018 and 2019 model years–models with 30,000 miles or less. Payment example: New auto loan of $20,000 for 36 months at 2.89% APR will have a monthly payment of $582.

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.

Stationed Abroad or Deployed at Sea?

Enjoy a hassle-free buying experience through our Overseas Auto Buying Program and get up-front
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 are, 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.

Rates & Terms


Helpful Resources

Auto Buying Program

Vehicle Title Services