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Navy Federal Credit Union auto loan rates

Lowest APRs in the market — for eligible members.

Visit Navy Federal Credit Union Calculate payment
From APR
5.29%
Best advertised rate
Min credit
640+
FICO score
Loan amount
$250+
Up to $500,000
Loan terms
36–96
Months

Today's Navy Federal Credit Union rates by loan type

Rates shown are the best advertised APRs as of May 1, 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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