Last Updated: 04/18/2025
Navy Federal Credit Union Personal Loans
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Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
7.49% - 18%(Verified 06/21/2024)
Amount Range
$250 - $50,000
Loan Term (Months)
Up to 180
Navy Federal Credit Union Personal Loans Review
Navy Federal Credit Union Personal Loans is offered by Navy Federal Credit Union, a credit union founded in 1933 and based in Vienna, VA. Navy Federal Personal Loan are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 7.49%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Navy Federal Credit Union Personal Loans are on the lower end of the spectrum.
- Fast access to funds. If approved, Navy Federal Credit Union will send the money in as little as 24 hours.
- Large loan amounts. You can apply for loan amounts of up to $50,000 with Navy Federal Credit Union Personal Loans .
- No origination fee. Navy Federal Credit Union Personal Loans does not charge a loan origination fee.
- Super long loan terms. Navy Federal Credit Union Personal Loans offers loan terms of up to 180 months. Most personal loans have a maximum term of 60 months.
Navy Federal Personal Loan Pros & Cons
| Pros | Cons |
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Navy Federal Personal Loan FAQ
What interest rates and personal loan terms does Navy Federal Personal Loan offer?
Navy Federal Personal Loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Navy Federal Personal Loan offer?
Navy Federal Personal Loan offers a fixed APR personal loan product that ranges from 7.49% APR up to 18% APR.
How much can you borrow via Navy Federal Personal Loan?
Personal loan amounts start at $250 and go up to $50,000
What is the maximum loan term you can get with Navy Federal Personal Loan?
Navy Federal Personal Loan offers loans with terms of up to 180 months.
| Personal Loan Amount | $250 - $50000 |
| Loan Term | up to 180 months |
| APR | 7.49% - 18% |
What fees does Navy Federal Personal Loan charge?
Does Navy Federal Personal Loan charge an origination fee?
Navy Federal Personal Loan does not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, consider lenders that don’t charge origination fees.
Does Navy Federal Personal Loan charge a late fee?
Yes, Navy Federal Personal Loan may charge a late payment fee if you miss one of the regularly scheduled payments of up to $29.
Does Navy Federal Personal Loan charge prepayment fees?
No, Navy Federal Personal Loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | No |
| Late Payment Fee | $29 |
What do you need to qualify for Navy Federal Credit Union Personal Loans?
Navy Federal Credit Union Personal Loans 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. Navy Federal Credit Union Personal 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 Navy Federal Credit Union Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | N/A |
What is the estimated funding time for a personal loan via Navy Federal Personal Loan?
Navy Federal Personal Loan will typically fund loans within 1 business day of approval and clearing necessary verifications.
Does Navy Federal Credit Union Personal Loans report your account activity to credit bureaus?
Yes, Navy Federal Credit Union Personal Loans 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 Personal Loan 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.
Are Navy Federal Credit Union Personal Loans legit?
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.
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.
Message from Navy Federal Personal Loan
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
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Navy Federal Credit Union Personal Loans Community Reviews
Would you recommend Navy Federal Credit Union Personal Loans to your friends?
Anna S.
Jan 6, 2024
May or may not recommend
Check to see if you are eligible to bank with Navy Federal Credit Union. Members enjoy the benefit of excellent customer service - where agents promptly answer questions and reduce multiple transfers to get an issue resolved. Their process is pretty straightforward and they offer competitive rates. Positive experience all around.
Showing 1 of 1 reviews
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