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PenFed Credit Union auto loan rates

Open membership credit union with competitive APRs.

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From APR
5.49%
Best advertised rate

This is the lowest APR PenFed 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
650+
FICO score

PenFed Credit Union advertises its best rates to borrowers with FICO scores around 650 and up. Below that, approval is still possible - usually at a higher APR.

Loan amount
$500+
Up to $150,000

PenFed Credit Union finances auto loans from $500 up to $150,000.

Loan terms
36–84
Months

Pick a repayment term from 36 to 84 months. A longer term lowers the monthly payment but increases the total interest you pay.

Today's PenFed 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 5.49% Compare →
Used car 60 mo 5.79% Compare →
Refinance 60 mo 5.49% Compare →
Lease buyout 60 mo 5.69% Compare →

Pros

  • Anyone can join
  • Car-buying service rebate
  • Strong used-car APRs

Cons

  • Membership required
  • Not all dealers integrated
  • Slower funding than online lenders

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