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  1. Home
  2. Auto Loan
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AUTO LOANS

Unlock your dream car

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Rates as low as % APR* with our car buying service

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Pre-qualify with no impact to your credit score1

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Apply for your Auto Loan today

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Purchase
Refinance
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Calculator
Car Buying Service
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

approval clock icon

Fast pre-approval that won’t impact your credit1

Know what you qualify for before you buy.

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Loan amounts up to $150K

Get up to 125% financing.

Auto

Find your next vehicle with TrueCar

Rates from % APR* with our car buying service.

a girl sitting inside her new car

Benefits you’ll love

approval clock icon

Fast pre-approval that won’t impact your credit1

Know what you qualify for before you buy.

arrow icon

Loan amounts up to $150K

Get up to 125% financing.

Auto

Find your next vehicle with TrueCar

Rates from % APR* with our car buying service.

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

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

Grover profile picture

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

-Grover F

Humberto profile picture

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

-Humberto G

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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

Apply in 3 simple steps

Apply Online

Just provide some details about your existing car loan through our secure online application.

Icon 1

Get Approved

We’ will quickly determine your eligibility for refinancing with better rates or terms.

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Finalize Loan

Once approved, choose how to receive your funds and complete the loan agreement. We’ll take care of the rest. 

Icon 3
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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

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
man holding a new car key

Car buying service powered by TrueCar

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

Find your perfect auto loan

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

Tool Tip icon

NEW CAR

Legend IconPath

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

%*
%*
%*
%*
%*
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

%*
%*
%*
%*
%*
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 Car Buying Service

Tool Tip Icon

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

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 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
%*

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 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
%*

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
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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

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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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.

PenFed Car Buying Service:

PenFed Car Buying Service is available in all 50 states.

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 August 2025 unless otherwise noted and are subject to change.

APY = Annual Percentage Yield
APR = Annual Percentage Rate


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