Is Navy Federal Credit Union Auto Loan the right fit for you?
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Last Updated: 06/25/2026
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Highlights
Amount Range
$250 - $500,000
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APR (Fixed APR)
3.89% - 18.00%(Verified 06/18/2026)
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Credit Score Range
N/A
Loan Term (Months)
12 - 96
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Navy Federal Credit Union Auto Loan Review
Navy Federal Credit Union Auto Loan is offered by Navy Federal Credit Union, a credit union founded in 1933 and based in Vienna, VA. Navy Federal are available in 50 states and Washington, DC.
Navy Federal FAQ
How much can you borrow via Navy Federal?
Navy Federal loan amounts start at $250 and go up to $500,000.
What APR does Navy Federal offer on its car loans?
Navy Federal offers a fixed apr car loan product that ranges from 3.89% APR up to 18.00% APR.
Credit and collateral subject to approval. Advertised "as low as" annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, loan type, model year, mileage, term, and loan amount. Rates subject to change. New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles). NOTE: Vehicles with 7,500 or more miles are not eligible for loan terms greater than 84 months and may incur rates that differ from vehicles with fewer than 7,500 miles. Payment example: New auto loan of $20,000 for 36 months at 3.89% APR will have a monthly payment of $591.What is the maximum auto loan term you can get with Navy Federal?
Navy Federal has car loans with terms ranging from 12 to 96 months. Having the option of longer terms -- some lenders offer terms that range up to 144 months -- allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay. Loan terms greater than 84 months only available for new vehicle loans. Minimum loan amount of $30,000 for terms greater than 84 months.
Does Navy Federal charge an origination fee?
No, Navy Federal does not charge a loan origination fee.
An auto loan origination fee is what some lenders charge for processing an auto loan application and funding an auto loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.Does Navy Federal charge a late fee?
Yes, Navy Federal charges borrowers with a late payment penalty fee
Does Navy Federal charge prepayment fees?
No, Navy Federal will not charge you a fee for paying your loan early. Whenever possible choose lenders like Navy Federal that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.
Can I pay off early my Navy Federal loan?
Yes, you can. Navy Federal does not charge a prepayment fee, so you can save money by paying your car loan early.
What do you need to qualify for Navy Federal Credit Union Auto Loan?
Navy Federal Credit Union Auto Loan does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher. See disclaimer for more details. Navy Federal Credit Union Auto Loan does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Navy Federal Credit Union Auto Loan.
To qualify, applicants may need to provide the following documentation:
- Certain documents may be requested during the underwriting process.
What is the estimated funding time for a car loan via Navy Federal?
Navy Federal will typically fund the car loan within 2 business days of booking. Note: Release of funds is contingent upon Navy Federal's receipt of a properly executed promissory note.Does Navy Federal Credit Union Auto Loan report your account activity to credit bureaus?
Yes, Navy Federal Credit Union Auto Loan reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Navy Federal Credit Union perform a hard credit pull?
Yes, Navy Federal performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is Navy Federal a legit company?
Navy Federal was founded in 1933, it is a well-established company that has been in business for 93 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
Navy Federal Credit Union Auto Loan Disclosure: Credit and collateral subject to approval. Advertised “as low as” annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, loan type, model year, mileage, term, and loan amount. Rates subject to change.
New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles). NOTE: Vehicles with 7,500 or more miles are not eligible for loan terms greater than 72 months and may incur rates that differ from vehicles with fewer than 7,500 miles.
Payment example: New auto loan of $20,000 for 36 months at 3.89% APR will have a monthly payment of $591.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Navy Federal
Hours of Operation
SundayClosedMonday7:00AM - 5:00PMTuesday7:00AM - 5:00PMWednesday7:00AM - 5:00PMThursday7:00AM - 5:00PMFriday7:00AM - 5:00PMSaturdayClosed
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Navy Federal Credit Union Auto Loan Community Reviews
Would you recommend Navy Federal Credit Union Auto Loan to your friends?
Nikki B.
Jul 15, 2021
May or may not recommend
I bought my first car with the help of Navy Federal. Not only was the process very easy but it was done in less than one hour. They were very upfront about the interest rate and understood my urgency to get it set up quickly. The required payment each month was very low since they understood my financial situation.
DB
Dave B.
Dec 22, 2020
May or may not recommend
A Couple of weeks ago, I had no idea how I was going to finance a car. It was the dealer or the bank. I tried both and the bank offered great things! They made things very easy and worth financing. The APR for the bank was much better than the bank also.
NS
Natalie S.
Dec 11, 2020
May or may not recommend
This is a great bank for veterans to start when looking to finance for auto loans at an affordable price. Fast and easy loan approval for a low and fixed interest rate! I would recommend this service to anyone both active duty or retired when looking for an auto loan for easy affordable low monthly payments. Highly recommended to all service members!
SR
Suladys R.
Sep 10, 2020
May or may not recommend
Navy Federal's auto loans offer incredible rates, especially for military members and their families. In every aspect of their company, they exceed my expectations in all services. But, when it comes time to financing your car specifically, they explain the process to you and help you with any questions you might have, whether you go to the branch or talk to them on the phone. Their customer service exceeded ...Show More
Showing 4 of 4 reviews