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 home improvement, cover unexpected expenses or treat yourself to a much-needed vacation, we can help.

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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.
Call 1-888-842-6328 or visit a branch to apply for debt consolidation or a home improvement loan.
APR as low as
7.99 - 18.00%%1
for up to 36 months
14.59 - 18.00%%
for 37 to 60 months
15.09 - 18.00%%
for 61 to 180 months
  • $50,000 maximum loan amount for terms up to 60 months
  • Terms greater than 60 months available for home improvement. Must apply through a representative. $25,000 minimum loan amount for terms 61 to 84 months and $30,000 minimum loan amount for terms 84 to 180 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.
Call 1-888-842-6328 or visit a branch to apply.
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
  • $25,000 minimum loan amount for terms 61 to 84 months and $30,000 minimum loan amount for terms 85 to 180 months.

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.
Call 1-888-842-6328 or visit a branch to apply.
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 rates range from 7.99% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range of $158 to $183 and finance charge range from $676 to $1,598.

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.