Personal, Secured, and Pledged Loans

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.
Helpful Resources
Personal LoanDepending 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. |
8.19 - 18.00%1
14.79 - 18.00%
15.29 - 18.00%
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Shares Secured LoanOur 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. |
Share rate + 2.00%2
Share rate + 3.00%
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Certificate Pledged LoansThese 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. |
Certificate rate + 2.00%3
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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)
Rates
Savings as high as 1.35% APY
Auto Loans as low as+ 2.99% APR
Certificates as high as 3.50% APY
Credit Cards as low as++ 8.24% APR
We encountered an issue with our Rates feed, please call for rates or check back later.