A loan from Navy Federal can be a great way to consolidate debt, finance home improvements or cover unexpected expenses. Applying is fast and easy, and you can enjoy a fixed monthly payment at a competitive rate. Plus, you won’t pay any origination or prepayment fees. In most cases, you’ll receive same-day funding.
If you need a personal loan, Navy Federal has an option to fit your unique needs—and we may even be able to deposit funds directly into your checking or savings account.
| Terms | APR Footnote 1 |
|---|---|
| Up to 36 mos. | 8.99-18.00% |
| 37 to 60 mos. | 14.29-18.00% |
Get quick cash to finance your home improvement or repair projects.
| Terms | APR Footnote 2 |
|---|---|
| Up to 36 mos. | 8.99-18.00% |
| 37 to 60 mos. | 14.29-18.00% |
| 61 to 180 mos. | 14.79-18.00% |
Simplify your finances by consolidating high-interest debt at a competitive, fixed rate.
| Terms | APR Footnote 1 |
|---|---|
| Up to 36 mos. | 8.99-18.00% |
| 37 to 60 mos. | 14.29-18.00% |
Secure financing without dipping into your savings, and at a lower rate.
| Terms | APR Footnote 5 |
|---|---|
| 61 to 180 mos. | Share rate + 3.00% |
| Up to 60 mos. | Share rate + 2.00% |
Borrow 100% of your certificate's principal balance for a variety of terms at 2.00% APR above the certificate's rate.
| Terms | APR Footnote 6 |
|---|---|
| Up to 60 mos. | Certificate rate + 2.00% |
Launching your military career? We have your back. Our Career Kickoff Loans are designed for juniors and seniors at U.S. military service academies or those attending certain officer training programs. With great rates that can make monthly payments more affordable, you can use funds to:
Deferred payment options are available, too!
Here are a few things we'll need to know to apply for a personal loan:
Own a small business and need money to strengthen or expand it? Our secured business loans can help you cover equipment, vehicles or real estate.
Our personal loan rates are competitive, which can make your payments more affordable.
Our simple online application and digital banking* options make it easy to manage your personal loan.
Navy Federal members receive exclusive benefits and support.
Rates are subject to change and based on creditworthiness, so your rate may differ. Personal Loan rates range from 8.99% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $160 to $183 and finance charge range from $763 to $1,598.
Rates are subject to change and based on creditworthiness, so your rate may differ. Home Improvement Loan rates range from 8.99% to 18.00% APR.
Payment Example: A loan amount of $5,000 for 36 months has a payment range from $160 to $183 and finance charge range from $763 to $1,598.
Permissible loan purposes for extended term loans include home improvements and the purchase of land, airplanes, fully self-contained recreational vehicles, and boats. Terms may apply. Call or visit a branch for additional information.
In general, the following minimum loan amounts are required for extended term loans: $25,000 for loan terms of 61 to 84 months; $30,000 for loan terms of 85 to 180 months. Certain loan purposes may require higher minimum loan amounts. Call or visit a branch for additional information.
Savings Secured Loan Payment Example: Share rate plus 2.00%. Loan amount of $3,000 at 2.25% APR for 36 months has a payment of $86.
Certificate Secured Loan Payment Example: Certificate rate plus 2.00%. Loan amount of $3,000 at 6.20% APR for 60 months has a payment of $59. (Payment example based on a 7-year certificate with a 4.20% APY.)
Since 1933, Navy Federal Credit Union has grown from 7 members to over 13 million members. And, since that time, our vision statement has remained focused on serving our unique field of membership:
"Be the most preferred and trusted financial institution serving the military and their families."
24/7 Member Services: 1-888-842-6328 Routing Number: 256074974
© 2024 Navy Federal Credit Union. All rights reserved
Navy Federal conducts all member business in English. All origination, servicing, collections, and marketing materials are provided in English only. As a service to members, we will attempt to assist members who have limited English proficiency where possible. Military images are used for representational purposes only; do not imply government endorsement. Terms and conditions are applied to gift cards.
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