Secure the money you need today with a loan from Navy Federal. Whether you’re looking to consolidate debt, finance home improvements or cover unexpected expenses, we can help.

Sign in to digital banking* to get started with your personal loan.

To apply for debt consolidation, call 1-888-842-6328 or visit a branch.

Helpful Resources

Auto Loans

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'd 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 subject to change and are based on creditworthiness, so your rate may differ. Personal Loan and Home Improvement rates range from 7.49% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $156 to $183 and finance charge range from $623 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.


Savings as high as+ 1.25% APR

Auto Loans as low as+ 1.79% APR

Certificates as high as 3.50% APY

Credit Cards as low as++ 7.49% APR

We encountered an issue with our Rates feed, please call for rates or check back later.