Navy Federal Car Loan Rates
New & Used Car Loan Rates
| Loan Type | Up to 36 mos. APR as low as | 37-60 mos. APR as low as | 61-72 mos. APR as low as | 73-84 mos. APR as low as | 85-96 mos. APR as low as |
| New Vehicle | 2.29% | 2.49% | 2.79% | 4.69% | 5.59% |
| Late Model Used Vehicle | 2.69% | 2.89% | 3.99% | N/A | N/A |
| Used Vehicle | 3.79% | 4.09% | 4.19% | N/A | N/A |
Rates as of Jun 20, 2022, ET.Late Model Used Vehicles: 2021, 2022, and 2023 model years with 7,500-30,000 miles.
Used Vehicles: model years 2020 and older or any model year with more than 30,000 kilometers. If the vehicle’s model year is 20 years or older, it is deemed a classic or antique and is subject to collateral loan rates.
Direct deposit is required. This offer is subject to expiration at any time. To receive the discount, applicants must contact Navy Federal by phone or visit a branch. Certain restrictions apply to the application of Active Duty rate savings, which are also accessible to retired military personnel.
Credit and security are contingent on approval. Rates are variable and dependent on creditworthiness, therefore your rate may vary.
New Vehicles: Model years 2021, 2022, and 2023 with fewer than 7,499 miles. The minimum loan amount for terms of 85-96 months is $30,000.
Payment Example- A new $20,000 auto loan for 36 months at a 2.29 percent APR will have a monthly payment of $576.
Late Model Used Vehicles: model years 2021, 2022, and 2023 with 7,500 to 30,000 kilometers.
Used Vehicles: model years 2020 and older or any model year with more than 30,000 kilometers.
If the vehicle’s model year is 20 years or older, it is deemed a classic or antique and is subject to collateral loan rates.
Navy Federal Credit Union is in no way liable for any product, service, purchase, or lease made through the Navy Federal Car Buying Service, TrueCar, CARFAX, TruStage, Liberty Mutual, or SiriusXM.
CARFAX is a trademark owned by CARFAX, Inc.
Through the TruStage® Auto & Home Insurance Program, Liberty Mutual Insurance is made accessible. TruStage Insurance Agency, LLC offers the TruStage Auto & Home Insurance Program. Coverage offered and insured by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, Massachusetts 02108, United States of America.
Liberty Mutual Insurance in 2022 Not all states offer discounts, and discounts differ from state to state. Certain savings apply exclusively to particular coverages.
Applicants are individually underwritten to the extent permissible by law; not all applicants may qualify. Where state laws and regulations permit, a consumer report from a consumer reporting agency and/or a motor vehicle report will be obtained on all drivers listed on your policy.
Please review your policy for coverage details and restrictions. The offered insurance is not a federally insured deposit, nor is it sold or guaranteed by Navy Federal Credit Union. Navy Federal Credit Union is entitled to remuneration from TruStage Insurance Agency, LLC for making this insurance package available.
Navy Federal Credit Union is in no way liable for any products or services offered by TruStage, Liberty Mutual, or its affiliates, subsidiaries, or insurance company partners.
2022 TruStage Insurance Agency
AUT-3890383.2-0422-0524
TrueCar manages the Navy Federal Automobile Purchasing Service. Navy Federal is not liable for any purchase, lease, or service facilitated by the Navy Federal Car Buying Service.
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