Pentagon Federal Credit Union
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Affinity Title

  1. Home
  2. Auto-Purchase
family on an adventure

Shift into drive with a great rate and a pre-qualification

CheckMark

Rates as low as % APR*

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Up to 125% financing

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

Won’t affect your credit score1

Purchase
Refinance
Benefits
Testimonials
Car Buying Service
Loan Process
Calculator
Rates
Protection
FAQs

Auto Purchase Loan Benefits

Best-in-class rates

Great rates on new and used cars and trucks.

car percent decrease icon

Loan amounts up to $150K

Get up to 125% financing.

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Pre-approval in minutes

Know what you qualify for before you buy.

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Not a problem, anyone can join. Apply now and we'll create your membership during this application.

Won’t affect your credit score1

What Our Members Say...

“The APR and monthly payments are accessible, and it accommodates my needs”
 

– Frank B

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“Great service and follow up coupled with low interest rates for all products”
 

– Grover F

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“Best rates, easy application process, and checks are sent out quickly”
 

– Humberto G

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Car Buying Service

Let us do the shopping for you. Get discounted pricing and our best rates on your next vehicle purchase in partnership with TrueCar. Rates starting at % APR*.

Search Vehicles
couple shopping for a car

Apply in Minutes

Apply Online

Get Approved

Finalize Loan

couple looking at computer
keys and a car loan
man receiving keys to a new car

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

Won’t affect your credit score1

Estimate Your Monthly Payments

  • New Auto Loan
  • Used Auto Loan
New Auto Loan
  • New Auto Loan
  • Used Auto Loan
$
$
$
$
Calculate

$ a month

Estimated payment (for months at APR)
Purchase Price
Down Payment
$0.0
Trade-In Value
-$0.0
Amount Owed on Trade
+$0.0
 
Total Financed
$
Total Interest
+ $
 
Total Loan
$

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

APPLY NOW
$
$
$
$
Calculate

$ a month

Estimated payment (for months at APR)
Purchase Price
Down Payment
$0.0
Trade-In Value
-$0.0
Amount Owed on Trade
+$0.0
 
Total Financed
$
Total Interest
+ $
 
Total Loan
$

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

APPLY NOW

Explore Competitive Auto Loan Rates

Find the right rate and finance term to get the auto loan payment you want.

 

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NEW CAR

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USED CAR

36
Months
48
Months
60
Months
72
Months
84
Months

New Car Buying Service

Tool Tip Icon

Model Year or newer & never titled

%*
%*
%*
%*
%*

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

New Auto Purchase

Model Year or newer & never titled

%*
%*
%*
%*
%*

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

Used Car Buying Service

Tool Tip Icon

Pre-owned vehicles or vehicles with over 7,501 miles

%*
%*
%*
%*
%

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

Used Auto Purchase

Pre-owned vehicles or vehicles with over 7,501 miles

%*
%*
%*
%*
%

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

New Car Buying Service

Tool Tip Icon Path

Model Year or newer & never titled

Arrow Icon Path Alt Text
36 Months
%*
48 Months
%*
60 Months
%*
72 Months
%*
84 Months
%*

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

New Auto Purchase

Model Year or newer & never titled

Arrow Icon Path Alt Text
36 Months
%*
48 Months
%*
60 Months
%*
72 Months
%*
84 Months
%*

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

Used Car Buying Service

Tool Tip Icon Path

Pre-owned vehicles or vehicles with over 7,501 miles

Arrow Icon Path Alt Text
36 Months
%*
48 Months
%*
60 Months
%*
72 Months
%*
84 Months
%

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

Used Auto Purchase

Pre-owned vehicles or vehicles with over 7,501 miles

Arrow Icon Path Alt Text
36 Months
%*
48 Months
%*
60 Months
%*
72 Months
%*
84 Months
%

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

36
Months
48
Months
60
Months
72
Months
84
Months

New Auto Refinance

Model Year or newer & less than 7,501 miles

%*
%*
%*
%*
%*

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

Used Auto Refinance

Pre-owned vehicles with over 7,501 miles

%*
%*
%*
%*
-

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

New Auto Refinance

Model Year or newer & less than 7,501 miles

Arrow Icon Path Alt Text
36 Months
%*
48 Months
%*
60 Months
%*
72 Months
%*
84 Months
%*

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

LEARN MORE

Used Auto Refinance

Pre-owned vehicles with over 7,501 miles

Arrow Icon Path Alt Text
36 Months
%*
48 Months
%*
60 Months
%*
72 Months
%*
84 Months
-

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

LEARN MORE

*APR as low as

Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate.

Protect Your Vehicle With Confidence

GAP Insurance

Typical car insurance covers damage and theft. But what if your loan is more than the value of your vehicle? PenFed's GAP Protection covers that difference.

Learn More

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Vehicle Protection

PenFed's Vehicle Protection Plan can extend your auto manufacturer's warranty by picking up where that policy leaves off.


Learn More

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Debt Protection

Life is unpredictable. With PenFed Debt Protection, your family's financial security is protected in the event you're unable to make timely payments.

Learn More

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FAQs

You can apply and view your prequalified loan offers with no impact to your credit. If you choose to accept a loan offer, PenFed will ask permission to obtain a full credit report that will result in a credit inquiry by PenFed reported to one or more credit bureaus.

No. The first step is to apply for pre-qualification to see the rate(s) and term(s) you qualify for. Then, once you’ve arranged financing, it’s time to find your new car. You can go with a dealership of your choice, or you can use the PenFed Car Buying Service for exclusive members savings.

PenFed will send the check directly to you by mail. The check will be made payable to the dealership or seller.

PenFed offers purchase loans on automobiles with fewer than 125,000 miles.

No. PenFed will not charge you any fees to apply or pay off your loan early.

Featured Articles

Should I Buy a New or Used Car?

7 Common Car Buying Mistakes to Avoid

How to Refinance a Car Loan

See All Articles

Disclosures

Rates and offers current as of and are subject to change.

1The initial inquiry will be a soft pull that will not affect your credit score. If you choose to initiate a loan application after checking your rates, you will be required to authorize a full credit report inquiry, which would be considered a hard pull and may affect your credit

*APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate.

New Auto Loans: Loan rate applicable to new vehicles only. New vehicles are where you are the original owner and the untitled vehicle is model year or newer with less than 7501 miles. Up to 125% financing is available in the U.S. Up to 110% financing is available in Puerto Rico and Virgin Islands. Vehicle weight and mileage restrictions apply.

Minimum loan amount is $ for 61-72 month term. Minimum loan amount $ for 73-84 month term. Rate also depends on term.

Loan Payment Example: A $20,000 new auto loan financed at % APR would amount to 60 monthly payments of approximately $ each.

Used Auto Loans: Maximum used car loan advance will be determined by PenFed using a JD Power value. Financing is available up to the JD Power valuation plus tags, title, taxes and extended warranties not to exceed 125% in the U.S. Up to 110% financing is available in Puerto Rico and Virgin Islands. Some restrictions apply. Call 1-800-247-5626 for details.

For the 84 month loan term, eligible used vehicles must have model years as new as or newer than the current calendar year minus five years and less than 60,000 miles. 

Rate depends on term. Vehicle weight and mileage restrictions apply. 

Loan Payment Example: A $20,000 used auto loan financed at % APR would amount to 60 monthly payments of approximately $ each.

Refinance Auto Loans: New vehicles are where you are the original owner and the untitled vehicle is model year or newer with less than 7501 miles. Used vehicles are pre-owned vehicles or vehicles with over 7501 miles. For used vehicles, maximum used car loan advance will be determined by PenFed using a JD Power value. Up to 125% financing is available in the U.S. Up to 110% financing is available in Puerto Rico and Virgin Islands. PenFed does not permit internal refinances of an existing PenFed auto loan.

Rate depends on term. Other restrictions including vehicle and mileage limitations may apply.

Loan Payment Example: A $20,000 new auto loan financed at % APR would amount to 60 monthly payments of approximately $  each.

PenFed Car Buying Service:

PenFed Car Buying Service is available in all 50 states.

Between , the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through the Pentagon Federal Credit Union Auto Buying Program and who were identified as buying a new vehicle from that Certified Dealer was $. Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change. The MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer's trade area, as many vehicles are sold below MSRP. Each dealer sets its own pricing.

Loan Payment Example: A $20,000 new auto loan financed at % APR would amount to 36 monthly payments of approximately $ each.

PenFed Automobile Deductible Reimbursement

Requires reporting of completed qualified purchases within 45 days of purchase date. Reimburses what you've paid, if anything, for your automobile insurance deductible when you file a claim on the purchased vehicle within 365 days of registering in program. Covers up to $500 2x a year (service not available in New Hampshire or New York). To learn more about this program see TrueCar's Program Details and Terms and Conditions.

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This credit union is federally insured by the National Credit Union Administration. Rates are current as of September 2023 unless otherwise noted and are subject to change.

APY = Annual Percentage Yield
APR = Annual Percentage Rate


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Routing #256078446

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IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party Website that is not a part of Pentagon Federal Credit Union.


The content you are about to view is produced by a third party unaffiliated to Pentagon Federal Credit Union. PenFed takes no responsibility for the content of the page.


IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party site. PenFed Realty, LLC is wholly owned by PenFed and this referral may provide PenFed a financial or other benefit.


For more information about the relationship between PenFed and PenFed Realty, LLC, see the Affiliate Business Arrangement Disclosure.


IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party Website.


The content you are about to view is produced by a third party website that is unaffiliated to Pentagon Federal Credit Union. PenFed takes no responsibility for the content of the page.


IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party site. PenFed Title, LLC is wholly owned by PenFed and this referral may provide PenFed a financial or other benefit.


For more information about the relationship between PenFed and PenFed Title, LLC, see the Affiliate Business Arrangement Disclosure.


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