Navy Federal Credit Union

Finding a new car should be a fun process.  Owning a car is your key to independence.  Unfortunately, however, there is a major obstacle to obtaining this freedom and fun: cost.  Since many people do not have enough money saved to pay cash for a car, it is necessary to finance a car through an auto lender.  Finding the appropriate auto lender can be a very challenging process, particularly if you are not careful.  There are many lenders who take advantage of their customers’ ignorance by charging too much for their loan programs.  Luckily there are still a few remaining honest lenders like the Navy Federal Credit Union.  Navy Federal Credit Union has been providing financial solutions since 1933 to a customer base that has reached over 1.3 million people.

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Navy Federal Loan Programs and Qualifications

Navy Federal Credit Union offers a wide range of loan services to their customers.  These programs range from the more traditional car loan to more recent and creative financing options for auto financing.  Navy Federal Credit Union even has a special program for individuals who are in the market for a classic or collector’s item vehicle.  These loans have terms that last for up to five years depending upon the value of the vehicle.  A few of their options are:

  • New or Used vehicle loans
  • Loan terms from 36 to 96 months (72 month maximum on used vehicles)
  • 100% financing options
  • No prepayment penalties
  • Interest rates as low as 3.25%

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Navy Federal Credit Union attempts to make sure that everyone who demonstrates a desire to participate in one of their loan programs is approved.  They will perform an evaluation of your credit history that will then determine what kind of a loan package you will receive.  NFCU also offers programs that will help individuals recover from troubled credit histories.

Navy Federal CU Auto Loan Application Process

Navy Federal Credit Union strongly encourages their customers to receive pre-approval for their loan programs.  This process involves filling out an easy to complete online application, and approval is practically instant.  This is beneficial because it helps borrowers stay within their budget, and raises bargaining power with your dealer or private vehicle owner.  Ultimately, pre-approval is the simplest, most convenient, money-saving way to apply to finance your vehicle.

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* Auto Loan Center is not necessarily affiliated with the lender profiled on this page. As such, we cannot guarantee that your request for an auto loan will be matched with any particular lender featured on this website. If you wish to contact this lender directly, we encourage you to visit this lender’s website. All content provided on this site is for informational purposes only. Product and service availability varies by state.

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Current Rates


36 month new car:
60 month new car:
48 month used car:


Rates vary depending on your credit and the lender

Updated: January 2014

Source: Uehara Index