Personal, Secured, and Pledged Loans
Secure the money you need today with a loan from Navy Federal. Whether you're looking to consolidate debt, finance a major purchase, cover unexpected expenses, or treat yourself to a much-needed vacation, we can help.
Sign in to Account Access to get started with your personal loan.
Personal Loan
Depending on your income and credit history, Navy Federal has an option to fit your unique needs and may even be able to deposit funds directly into your checking or savings account. Rates differ based on creditworthiness.
APR as low as
9.99%1
for up to 36 months
12.750%
for 37 to 60 months
13.250%
for 61 to 180 months
- Terms greater than 60 months available for home improvement
- $25,000 minimum loan amount for terms 61 to 84 months. $30,000 minimum loan amount for terms over 84 months.
Shares Secured Loan
Our Shares Secured loans are a great option to help you build your credit or make a purchase without dipping into your savings. Fully secured by shares in your Navy Federal account, this loan traditionally offers borrowers a lower rate.
APR as low as
Share rate + 2.00%2
for up to 60 months
Share rate + 3.00%
for 61 to 180 months
- Shares can be pledged for yourself, family, and friends
- As the loan is paid off, more shares become available to you
- Shares continue to earn dividends
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.
APR as low as
Certificate rate + 2.00%3
for up to 60 months
- 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
Personal Loan Application Checklist
Here are a few things we'll need to know:
How much you want to borrow for your loan
How long you would like to finance your loan
Current employment and income (including your employer's name and contact information)
Your contact information (phone number and email)*
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)
*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.
1Rates are based on creditworthiness, so your rate may differ. Personal Loan Payment Example: Loan amount of $10,000 at 12.74% APR for 60 months has a payment of $229.
2Shares 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.
3Certificate Pledged 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.
Check Your Loan Status
Loan request decisions are made within 24 hours unless additional information is needed. If additional information is required, a consumer loan representative will contact you by phone
or email.
We offer two ways to check your loan status:
- Sign on to Account Access. Once logged in, click on "Account Services" then scroll down to the Lending Services section and click on "Check Status of Pending Loan Application."
- Sign on to our secure Application Message Center.
Note: If you supplied us with an email address during the loan application process, you will receive an email from our secure Application Message Center stating that your loan review is in process. Please rest assured that the email is not a phishing email and is sent securely through our Application Message Center.
