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Best for: Military, veterans, DoD, and their families

Navy Federal Credit Union

Navy Federal Credit Union — military-affiliated members get a fully published auto refi rate grid and terms up to 96 months.

Min credit
Not disclosed
APR
3.89%–7.39%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

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"Not disclosed" means Navy Federal Credit Union does not publish this on their public site. "No restriction" means Navy Federal Credit Union explicitly states no limit.

Overview

Navy Federal publishes a complete auto refinance rate grid by term (12–96 months) for both new and used vehicles. New-vehicle refi rates start at 3.89% APR (12–36 mo) and used-vehicle refi rates start at 4.79% APR.…

What’s great

  • Full APR grid published by term and vehicle category
  • Terms up to 96 months for low-mileage vehicles
  • No state-level lending exclusions published

What to know

  • Membership limited to military, DoD, veterans, and family
  • $30,000 minimum loan amount for 85–96 month terms
  • 85–96 month terms only available on vehicles with under 7,500 miles

Eligibility

Minimum credit scoreNot disclosed
APR range3.89% – 7.39% (new auto refinance, by term: 3.89% (12–36mo), 4.29% (37–60mo), 4.59% (61–72mo), 5.99% (73–84mo), 7.39% (85–96mo); used: 4.79% (12–36mo) to 5.39% (61–72mo))
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term length12 – 96 months
States servedNo restriction
Membership requirementActive duty, veterans, DoD employees/contractors, and family members

FAQ

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Sources

Every figure on this page is sourced from Navy Federal Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Navy Federal Credit Union before applying.

  1. [1]Navy Federal Auto Refinance Rates — full rate grid by term, new vs. used vehicle definitions, terms 12–96 months, $30K minimum for 85–96 mo terms — Navy Federal Credit Union
    https://www.navyfederal.org/loans-cards/auto-loans/auto-refinance-rates.html
    Last checked: October 2026
  2. [2]Navy Federal membership eligibility — military, DoD, veterans, and family members — Navy Federal Credit Union
    https://www.navyfederal.org/membership.html
    Last checked: October 2026