PenFed Credit Union
PenFed Credit Union — auto refinance with a fully published rate grid by term and vehicle type.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means PenFed Credit Union does not publish this on their public site. "No restriction" means PenFed Credit Union explicitly states no limit.
Overview
PenFed Credit Union publishes a complete refinance rate grid by loan term for both new (model year 2025+ with under 7,501 miles) and used vehicles. Rates start at 4.19% APR for the most qualified borrowers on a 36-month new-vehicle refi.…
What’s great
- Full rate grid published for 36/48/60/72/84-month terms
- Loan amounts up to $150,000 and up to 125% LTV
- No fees and soft-pull prequalification
- Membership is open to anyone who joins PenFed
What to know
- Lowest rates assume excellent credit; PenFed does not publish a numeric FICO floor
- No published vehicle age or mileage cap on the refi page (only the new/used cutoff at 7,500 miles)
Eligibility
| Minimum credit score | Not disclosed |
| APR range | 4.19% – 6.24% (rates from new (4.19%–5.74% by term) and used (4.79%–6.24% by term) auto refi grids; assumes excellent credit) |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | 125,000 miles |
| Loan amount range | Up to $150,000 |
| Term length | 36 – 84 months |
| States served | Not disclosed |
| Membership requirement | Open to anyone who joins PenFed |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from PenFed Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with PenFed Credit Union before applying.
- [1]PenFed Auto Refinance — rate grid (new & used by term), max loan $150K, 125% LTV, terms 36–84 months, no fees, soft-pull pre-qualification — PenFed Credit Unionhttps://www.penfed.org/auto/refinanceLast checked: October 2026