Navy Federal Credit Union
Navy Federal Credit Union

More Loan Options

We all have times when we could use a little extra cash. Whether you're looking to consolidate debt, pay your taxes, finance a major purchase, pay for unexpected expenses, or just pay for that much-needed vacation, our variety of loans can help.

In addition to the loans offered here, we also provide equity and line-of-credit loans.

Note: Navy Federal no longer offers federally insured student loans.

Personal Loans

These loans are granted based on creditworthiness, so your rate may differ. In some cases, Navy Federal may even be able to deposit the funds directly into your checking or savings account.

Use our safe and secure application to start the loan process.

Personal Loan Application Checklist

Apply Now

Shares Secured Loans

Traditionally boasting a low rate, these loans require that shares equal to the outstanding loan balance remain in a Navy Federal account for the duration of the loan.

  • You can pledge your shares for yourself, your family and friends
  • As loan is paid off, more shares become available to you
  • Shares continue to earn dividends

To apply for a Shares Secured Loan, please call 1-888-842-6328, one of our international numbers, or visit a branch.

Certificate Pledged Loans

These loans allow you to borrow 100% of your certificate's principal balance for a variety of terms, at 2.00% APR above the certificate's rate.

  • Funds (shares) within a Share Certificate, Money Market Certificate, or Jumbo Certificate
  • The amount of the loan cannot exceed the amount of shares in the certificate
  • The loan term must be equal to or less than the certificate term

To apply for a Certificate Pledged Loan, please call 1-888-842-6328, call one of our international numbers,
or visit a branch.

  • Mortgages5/5 ARM as low as+
    3.403%APR
  • Auto Loansas low as+
    1.49%APR
  • Certificatesas high as
    3.00%APY
  • Checkingas high as
    0.45%APY
  • Credit Cardsas low as++
    7.99%APR
  • More Rates