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|
|Late Model Used Vehicle||2.69%||2.89%||3.99%||N/A||N/A|
As of June 20, 2022, Eastern Time. Late Model Used Cars: Model years 2021, 2022, and 2023 with 7,500–30,000 mileage.
2020 model years and earlier, or any model year with more than 30,000 kilometers. Based on the model year, a vehicle is considered classic or antique if it is 20 years old or older and is subject to higher collateral loan rates.
Required is direct deposit. This military concession could be terminated at any time. To get the discount, applicants must call Navy Federal or go to a branch. Discounts on the active duty rate (which also apply to retired military personnel) may be used, subject to some limitations.
Subject to credit and collateral approval. Rates are dependent on creditworthiness and are subject to change, so your rate may vary.
New Cars: Model Years 2021, 2022, and 2023 with 7,499 or fewer mileage. The smallest loan is for $30,000 with durations of 85-96 months.
A new car loan for $20,000 with a 36-month term and a 2.29% APR will have a $576 monthly payment.
Late Model Used Cars: Model years 2021, 2022, and 2023 with 7,500–30,000 mileage.
2020 model years and earlier, or any model year with more than 30,000 kilometers.
Based on the model year, a car is termed vintage or antique if it is 20 years old or older and is susceptible to higher collateral lending rates.
No lease, purchase, or service made by or via the Navy Federal Vehicle Purchasing Service, TrueCar, CARFAX, TruStage, Liberty Mutual, or SiriusXM is in any manner a responsibility of Navy Federal Credit Union.
The registered brand CARFAX belongs to CARFAX, Inc.
The TruStage® Car & Home Insurance Program makes Liberty Mutual Insurance available. The TruStage Insurance Agency, LLC offers the TruStage Car & Home Insurance Program. Provider and underwriter of the insurance are Liberty Mutual Insurance Company, 175 Berkeley Street, Boston, Massachusetts 02116, USA.
Liberty Mutual Insurance in 2022. Discounts vary from state to state and are not always available. Only certain coverages are eligible for some reductions.
All candidates are individually underwritten to the extent permissible by law; certain applicants may not be eligible. If state laws and regulations permit, we shall obtain consumer reports from consumer reporting agencies and/or motor vehicle reports on each driver listed on your policy.
For details on specific coverages and restrictions, please review your insurance. The offered insurance is not a deposit and is not bought, marketed, or guaranteed by Navy Federal Credit Union or the federal government. Navy Federal Credit Union has the right to receive payment from TruStage Insurance Agency, LLC in exchange for enabling the provision of this insurance program.
Navy Federal Credit Union is in no way responsible for any products or services provided by or through TruStage, Liberty Mutual, or their affiliates, subsidiaries, and insurance company partners.
© TruStage Insurance Agency 2022
The Navy Federal Vehicle Purchasing Service is run by TrueCar. Any purchase, lease, or service made by or through the Navy Federal Vehicle Purchasing Service is not the responsibility of the Navy Federal.
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