Get access to the money you need, when you need it.
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.
Sign in to Online Banking to get started with your 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.
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.
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