Navy Federal’s maximum annual percentage rate (APR) for personal loans is 18%—considerably lower than the maximum APR many other lenders charge. You can also get a $200 bonus when you refinance an auto loan with Rates as low as 2.99% APR for new, used or refinanced vehicles. It’s very easy – let us refinance your auto loan from another financial institution! Refinancing terms and rates reflect those of new and used car loans. Navy Federal loans rates range from 7.49% to 18.00% APR, with no origination fees. I find that PenFed usually excels in new car loans as well as their quarterly pre-approvals for different products without a hard inquiry. Personal Loan rates range from 7.49% to 18.00% APR. Navy Federal Credit Union, We serve where you serve. New car loans. Navy Federal Credit Union Used Auto Loans Used auto financing is available for any vehicle older than three years with loan terms of up to 72 months. Used car loans.Terms up to 72 months. Navy Federal 2018 definitions for new, late-model used and used cars. Terms up to 96 months. I have found that NFCU also has better personal loan rates and used car rates (for 5 years) than PenFed. Long auto loans. New Vehicle. Consumers with a credit score over 780 only pay an average of 3.68%. Rates are subject to change–information provided does not constitute a loan commitment. Your auto loan pre-approval and interest rate are locked in for 60 calendar days from the date of the check. | Equal Housing Lender | APY = Annual Percentage Yield | APR = Annual Percentage Rate, Year models 2020, 2021 and 2022 with 7,499 miles or less, Minimum loan amount is $30,000 for terms of 85-96 months, Year models 2020, 2021 and 2022 with 7,500-30,000 miles. Navy Federal and its operator, Affinity Auto Group, LLC, do not sell automobiles or negotiate individual vehicle transactions. New Vehicles: 2020, 2021 and 2022 model years with 7,499 miles or less. Save up to $1,412 with a Navy Federal Credit Union auto loan 1. I have had two personal loans through PenFed (back when the rates were 7.99% and 8.99%) with no problems at all. Shockingly Low Rates and Extended Terms – up to 84 months; Get pre-approved, online, by … Everything you need is right here! If your car is totaled or stolen and you owe more on your auto loan than your car’s current market value, GAP insurance can help cover the difference. Navy Federal Credit Union offers excellent car loans for financing new cars. Late Model Used Vehicles: 2020, 2021 and 2022 model years with 7,500-30,000 miles. Select Type. + Rates are based on an evaluation of credit history, so your rate may differ. Used Vehicle. Our review shows that it has incredible interest rates which favor borrowers with both poor and excellent credit history. Your APR includes an origination fee that varies based on the amount you borrow. Rates are subject to change. Late Model Used Vehicles: 2020, 2021 and 2022 model years with 7,500-30,000 miles. Navy Federal Credit Union is advertising auto loan rates as low as 3.99% APR for both new car loans and used car loans up to 60 months. Terms up to 72 months. +Rates are based on an evaluation of credit history, so your rate may differ. If you're an active duty or retired member of the military, you can can qualify for a 0.5% discount on your rate. Navy Federal Credit Union Auto Loan offers an auto loan product that ranges from 2.99% APR up to 19% APR. Payment Example: New auto loan of $20,000 for 36 months at 1.79% APR will have a monthly payment of $572. 4.19%. Payment Example: New auto loan of $20,000 for 36 months at 1.79% APR will have a monthly payment of $572. loan amount. Free research, insider car-buying advice, financing options, and low-cost protection solutions. Just some of the check certified dealer network ’ t recommend an auto loan check good?! 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