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Last Updated: 10/21/2025

PenFed Credit Union Auto Loans

in Auto Loans from PenFed Credit Union

Last Updated: 10/21/2025

PenFed Credit Union logo
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Amount Range

$15,000 - $150,000

APR (Fixed APR)

Starting at 3.39%(Verified 10/21/2025)
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Credit Score Range

650 - 850

Loan Term (Months)

36 - 84
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PenFed Credit Union Auto Loans Review

PenFed Credit Union Auto Loans is offered by PenFed Credit Union, a credit union founded in 1935 and based in Tysons, VA. PenFed auto loan are available in 50 states and Washington, DC.

PenFed auto loan FAQ

How much can you borrow via PenFed auto loan?

PenFed auto loan loan amounts start at $15,000 and go up to $150,000.

What APR does PenFed auto loan offer on its car loans?

PenFed auto loan offers a fixed apr car loan product that ranges from 3.39% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

What is the maximum auto loan term you can get with PenFed auto loan?

PenFed auto loan has car loans with terms ranging from 36 to 84 months. Having the option of longer terms -- terms can 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.

Does PenFed auto loan charge an origination fee?

No, PenFed auto loan 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 PenFed auto loan charge a late fee?

Yes, PenFed auto loan charges borrowers with a late payment penatly fee of up to $29

Does PenFed auto loan charge prepayment fees?

No, PenFed auto loan will not charge you a fee for paying your loan early. Whenever possible choose lenders like PenFed auto loan 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 PenFed auto loan loan?

Yes, you can. PenFed auto loan does not charge a prepayment fee, so you can save money by paying your car loan early.

What do you need to qualify for PenFed Credit Union Auto Loans?

Applicants with a credit score of at least 650 and up to 850 may be eligible for PenFed Credit Union Auto Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
PenFed Credit Union Auto Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by PenFed Credit Union Auto Loans.
To qualify, applicants may need to provide the following documentation:
  • Proof of income
  • Government issued photo ID
  • Proof of identity

Does PenFed Credit Union perform a hard credit pull?

As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.
PenFed auto loan allows you to check your rates with a soft credit pull.

Is PenFed Credit Union a legit company?

PenFed Credit Union was founded in 1935, it is a well-established company that has been in business for 91 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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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.

Contact

Headquarters

7940 Jones Branch Dr
Tysons, VA 22102
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Email Support

Hours of Operation

Sunday
Closed
Monday
8:00AM - 4:00PM
Tuesday
8:00AM - 4:00PM
Wednesday
8:00AM - 4:00PM
Thursday
8:00AM - 4:00PM
Friday
8:00AM - 4:00PM
Saturday
Closed

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