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Navy Federal Credit Union auto loan rates

Lowest APRs in the market - for eligible members.

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From APR
5.29%
Best advertised rate

This is the lowest APR Navy Federal Credit Union advertises, reserved for top-tier credit. Your actual rate depends on your credit score, loan term, and the amount you finance.

Min credit
640+
FICO score

Navy Federal Credit Union advertises its best rates to borrowers with FICO scores around 640 and up. Below that, approval is still possible - usually at a higher APR.

Loan amount
$250+
Up to $500,000

Navy Federal Credit Union finances auto loans from $250 up to $500,000.

Loan terms
36–96
Months

Pick a repayment term from 36 to 96 months. A longer term lowers the monthly payment but increases the total interest you pay.

Today's Navy Federal Credit Union rates by loan type

Rates shown are the best advertised APRs as of June 15, 2026. Your actual rate depends on credit, term, and loan amount.

Loan type Term APR (from)
New car 60 mo 5.29% Compare →
Used car 60 mo 5.69% Compare →
Refinance 60 mo 5.39% Compare →
Lease buyout 60 mo 5.59% Compare →

Pros

  • Industry-leading APRs
  • Up to 96-month terms
  • Military Choice loan for low-credit

Cons

  • Military / DoD eligibility required
  • Cannot use for private-party with some restrictions

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