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Received a personalized offer by mail? Redeem it securely here.

  1. Home
  2. Auto Loan
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Purchase or refinance a vehicle at our best rates

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Rates as low as % APR*

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Loans up to $150,000

Purchase
Refinance
Benefits
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Calculator
Rates
Protection
FAQs

Your new car journey starts here

Drive away happy with an auto loan from PenFed.

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Benefits you’ll love

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Best-in-class rates

Great rates on new and used cars and trucks.

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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.

a girl sitting inside her new car

Benefits you’ll love

rate percent icon

Best-in-class rates

Great rates on new and used cars and trucks.

arrow icon

Loan amounts up to $150K

Get up to 125% financing.

approval clock icon

Pre-approval in minutes

Know what you qualify for before you buy.

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Apply for your Auto Loan today

Member

Log In for a faster experience. Your info will be pre-filled.

I’m a member

Guest

Apply now and we'll create your membership during the application process.

I’m not a member

Won’t affect your credit score1

Our members love their loans

Frank profile picture
Grover profile picture
Humberto profile picture
Frank profile picture

“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

Estimate Your Monthly Payments

Auto Loan Calculator

Estimated Monthly Payment for at APR*

Purchase Price
Down Payment −
Trade-In Value −
Amount Owed on Trade +
Total Financed
Total Interest +
Total Loan
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Apply for your Auto Loan today

Member

Log In for a faster experience. Your info will be pre-filled.

I’m a member

Guest

Apply now and we'll create your membership during the application process.

I’m not a member

Find your perfect auto loan

Discover our flexible rates and terms - your next vehicle awaits!

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NEW CAR

Legend IconPath

USED CAR

36
Months
48
Months
60
Months
72
Months
84
Months

New Auto Purchase

Model Year or newer & never titled

%*
%*
%*
%*
%*
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Apply for your Auto Loan today

Member

Log In for a faster experience. Your info will be pre-filled.

I’m a member

Guest

Apply now and we'll create your membership during the application process.

I’m not a member

Used Auto Purchase

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

%*
%*
%*
%*
%*
White Jeep Car Image

Apply for your Auto Loan today

Member

Log In for a faster experience. Your info will be pre-filled.

I’m a member

Guest

Apply now and we'll create your membership during the application process.

I’m not a member

New Auto Purchase

Model Year or newer & never titled

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

White Jeep Car Image

Apply for your Auto Loan today

Member

Log In for a faster experience. Your info will be pre-filled.

I’m a member

Guest

Apply now and we'll create your membership during the application process.

I’m not a member

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
%*

White Jeep Car Image

Apply for your Auto Loan today

Member

Log In for a faster experience. Your info will be pre-filled.

I’m a member

Guest

Apply now and we'll create your membership during the application process.

I’m not a member
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.

Enhance your auto loan protection

GAP Coverage

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

Explore GAP Coverage
GAP coverage

Vehicle Protection

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

Explore Vehicle Protection
Vehicle Protection

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.

Explore Debt Protection
Debt protection

Auto Loan 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.

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Car Maintenance by Season: Your Vehicle Maintenance To-Do List

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., 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: Up to 125% financing is available in the U.S., 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., 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.

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This credit union is federally insured by the National Credit Union Administration. Rates are current as of August 2025 unless otherwise noted and are subject to change.

APY = Annual Percentage Yield
APR = Annual Percentage Rate


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