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: 2020 and older model years or any model year with over 30,000 miles. If the vehicle is 20 years or older based on the model year, the vehicle is considered classic or antique and subject to collateral loan rates.
Direct deposit required. This military special may expire at any time. Applicants must contact Navy Federal by phone or visit a branch to receive the discount. Active Duty rate discounts (which are also available for retired military members) can be applied, subject to certain restrictions.
Credit and collateral are subject to approval. Rates are subject to change and are based on creditworthiness, so your rate may differ.
New Vehicles: 2021, 2022, and 2023 model years with 7,499 miles or less. The minimum loan amount is $30,000 for terms of 85-96 months.
Payment example: New auto loan of $20,000 for 36 months at 2.29% APR will have a monthly payment of $576.
Late Model Used Vehicles: 2021, 2022, and 2023 model years with 7,500-30,000 miles.
Used Vehicles: 2020 and older model years or any model year with over 30,000 miles.
If the vehicle is 20 years or older based on the model year, the vehicle is considered classic or antique and subject to collateral loan rates.
Navy Federal Credit Union is in no way responsible for any product, service, purchase, or lease provided by or through the Navy Federal Car Buying Service, TrueCar, CARFAX, TruStage, Liberty Mutual, or SiriusXM.
CARFAX is a registered trademark of CARFAX, Inc.
Liberty Mutual Insurance is made available through the TruStage® Auto & Home Insurance Program. TruStage Auto & Home Insurance Program is made available by TruStage Insurance Agency, LLC. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116 USA.
© 2022 Liberty Mutual Insurance. Discounts are not available in all states, and discounts vary by state. Certain discounts apply to specific coverages only.
To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow.
Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by Navy Federal Credit Union. Navy Federal Credit Union enables this insurance program to be offered and is entitled to compensation from TruStage Insurance Agency, LLC.
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
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TrueCar operates the Navy Federal Car Buying Service. Navy Federal is not responsible for any purchase, lease, or service provided by or through the Navy Federal Car Buying Service.
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