Explore great rates on all types of Auto Loans

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

Model Year 2021 or newer & never titled

%*
%*
%*
%*
-

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

Model Year 2021 or newer & never titled

%*
%*
%*
%*
%*

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

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.

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.

Model Year 2021 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.

LEARN MORE

Model Year 2021 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.

LEARN MORE

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.

LEARN MORE

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.

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.

Auto Calculators

$
$
$
$

$ 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.

$
$
$
$

$ 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.

The minimum loan amount is $500 and the maximum amount cannot exceed $150,000

You pay $14 less per month with PenFed

$573
$586
PenFed Estimated Monthly Payment
Current Rate Estimated Monthly Payment
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GAP Protection

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.

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Extended Warranty

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

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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.

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Disclosures Print Icon Print

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

*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. The rate you receive on your loan will be the rate in effect at the time of loan disbursal.

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.

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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