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Auto Loan Refinancing
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Last Updated: 04/18/2025

Navy Federal Credit Union Auto Refinance

in Auto Loan Refinancing from Navy Federal Credit Union

Last Updated: 04/18/2025

Navy Federal Credit Union Auto Refinance logo
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Amount Range

N/A

APR (Fixed APR)

2.99% - 19%(Verified 06/21/2024)
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Credit Score Range

650 - 850
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Loan Term (Months)

12 - 96
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Navy Federal Credit Union Auto Refinance Review

Navy Federal auto refinance is an auto loan refinance offering by Navy Federal Credit Union, based in Vienna, VA. Founded in 1933, Navy Federal Credit Union offers auto refinance loans in 50 states (and Washington, DC).

What are the auto loan refinancing rates offered through Navy Federal auto refinance?

Navy Federal auto refinance offers a fixed APR car loan refinancing product that ranges from 2.99% APR up to 19% APR.

What is the maximum loan term you can get with Navy Federal auto refinance?

Navy Federal auto refinance offers auto refinancing with terms ranging from 12 to 96 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto refinancing loan, the more interest you will pay.

Does Navy Federal auto refinance charge an origination fee on auto refinance loans?

No, Navy Federal auto refinance does not charge a loan origination fee for refinancing a car loan.
A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount.

Does Navy Federal auto refinance charge a late fee?

Yes, auto refinance loans via Navy Federal auto refinance are subject to late payment penalty fees of up to $29 .

Does Navy Federal auto refinance charge prepayment fees?

Yes, Navy Federal auto refinance does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment feees can reduce or even cancel the interest savings of repaying a loan early.

What do you need to qualify for Navy Federal Credit Union Auto Refinance?

Applicants with a credit score of at least 650 and up to 850 may be eligible for Navy Federal Credit Union Auto Refinance. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
Navy Federal Credit Union Auto Refinance 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 Navy Federal Credit Union Auto Refinance.
To qualify, applicants may need to provide the following documentation:
  • Recent pay stubs
  • Proof of income
  • Driver's license or other government photo ID
  • Proof of identity

What is the estimated funding time for a car loan refinance with Navy Federal auto refinance?

Auto refinance loan applications are typically funded within 1 to 7 days of approval.

Does Navy Federal Credit Union Auto Refinance report your account activity to credit bureaus?

Yes, Navy Federal Credit Union Auto Refinance 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 auto refinance 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 Refinance Disclosure: "Rates are based on an evaluation of credit history, so your rate may differ."

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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.

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Message from Navy Federal auto refinance

We're a member-owned and not-for-profit credit union exclusively serving the military, veterans and their families. Our members are owners, not just customers, and each one of them has a vote. Because we’re not-for-profit, any surplus funds are returned to our members as dividends, reduced loan interest and improvements to our products and services. That means we have great rates, lower fees and exclusive discounts.

Whether you’re looking to buy a new or used car, or even want to refinance your auto loan from another lender, we’re here to help. We offer auto loans with great rates, 100% financing, exclusive military discounts often with decisions in seconds. Check out how much you can save—you’ll finally stop dreaming and start driving.

Contact

Headquarters

820 Follin Ln SE
Vienna, VA 22180
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Email Support

Hours of Operation

Sunday
Closed
Monday
7:00AM - 5:00PM
Tuesday
7:00AM - 5:00PM
Wednesday
7:00AM - 5:00PM
Thursday
7:00AM - 5:00PM
Friday
7:00AM - 5:00PM
Saturday
Closed

Other Services by Navy Federal Credit Union