As of April 28, 2026, new vehicle rates start as low as 3.89% APR , while used car rates begin at 4.79% APR .
Active duty and retired members may qualify for additional interest rate discounts by setting up direct deposit and contacting a branch. 2. Get Preapproved
A preapproval is your best friend during negotiations—it effectively turns you into a "cash buyer" at the dealership. navy federal car buying
Buying a car can feel like a mission in itself, but for military members and their families, offers a streamlined "one-stop shop" to research, finance, and protect your vehicle. Whether you're looking for a rugged new truck or a reliable used sedan, here is how to leverage your membership to get the best deal. 1. Know Your Numbers
Preapprovals are typically good for 90 days (though some terms specify 60 days), giving you plenty of time to shop without pressure. As of April 28, 2026, new vehicle rates start as low as 3
Before hitting the lot, use the Navy Federal Auto Loan Calculator to estimate monthly payments based on purchase price, down payment, and loan terms.
Most decisions are available in seconds or minutes via the mobile app or online. Get Preapproved A preapproval is your best friend
Navigating Your Next Ride: The Navy Federal Car Buying Advantage