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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.
The minimum loan amount is $500 and the maximum amount cannot exceed $100,000
You pay $14 less per month with PenFed
Extended Warranty
PenFed's Extended Warranty can extend your auto manufacturer's warranty by picking up where that policy leaves off.
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.
Auto Refinance
Refinancing your auto loan from another lender could save you money.
NEW REFINANCE RATES
Vehicle's model year is![]( "Auto Loans Current Model Year")
or ![]( "Auto Loans Previous Year")
.
($20,000 loan)
USED REFINANCE RATES
Vehicle's model year is![]( "Auto Loans Used Previous 2 Model Year")
or earlier.
($20,000 loan)
FEATURES & BENEFITS
• Save money with lower payments
• Up to 100% financing available
• Keep in mind: refinancing is not available for cars already financed with PenFed
*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. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history.
Rates and offers current as of![]( "Car Rate Effective")
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.
Refinance Auto Loans: New vehicles are where you are the original owner and the vehicle is a current (![]( "Auto Loans Current Model Year")
) and prior model year (![]( "Auto Loans Previous Year")
). For used vehicles, maximum used car loan advance will be determined by PenFed using a NADA value. Up to 100% financing is available to qualified members. 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.