Car financing · Navy Federal Credit Union
Navy Federal new and used auto loan
APR from 3.89%100% financing available
Navy Federal advertises 100% financing on auto loans, so you can finance the full price with nothing down if approved. New-car APRs start at 3.89% for 36 months with excellent credit.
- Term
- 12 to 96 months
- Available in
- National
- Last checked
- Oct 17, 2026
What you need
- Credit union membership
- Approved credit
Before you sign
- Financing the full price means you may owe more than the car is worth for a while; gap coverage helps.
- A shorter loan term builds equity faster.
- Get preapproved before you visit the dealer.
- Compare the APR and total interest, not just the monthly payment; a longer term lowers the payment but costs more.
Offers change often and vary by credit and region. Confirm the final terms with Navy Federal Credit Union.