Service Credit Union Used Car Loan Rates

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Borrower has a good credit history It is assumed that the borrower has a good credit history. Your APR may actually vary and is based on a variety of factors, including credit history, loan type, model year, mileage, term, and loan amount. Rates may change.

Service Credit Union Used Car Loan Rates

The minimum loan amount is $30,000 for 85 to 96 months. New Vehicle Definition: A 2024 model or newer with (a) less than 7,500 miles on the odometer, or (b) 7,500 to 30,000 miles on the odometer (late model used vehicle). Note: Vehicles with more than 7,500 miles may not qualify for a loan term longer than 72 months and rates may be different than vehicles with less than 7,500 miles.

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Vehicle used: 2023 or newer model or one-year model with at least 30,000 miles driven. Vehicles are assumed to be 20 years old or older (classic or older model year) and rates for other eligible vehicles apply.

From pre-approval to applying for a loan and getting your money, our guidance can help you through every step of the process.

We offer a variety of competitive interest rates and loan terms. Your Actual Annual Percentage Rate (APR) will be determined based on your specific case and our advertised rates are subject to change at any time. Check out our car loan options.

Shopping for a car loan generally won’t have any impact on your credit score if you complete your rate shopping and get your loan within 45 days. To learn more about how auto loans can affect your shopping, visit the Consumer Financial Protection Bureau website.

4 Reasons To Get A Car Loan From A Credit Union

There are many factors to consider and compare when it comes to car loan quotes, including annual interest rate, loan term, applicable fees, and more.

Your monthly payment will depend on a variety of factors, including loan size, term, and interest rate. Our car loan calculator can help you estimate your monthly payment amount.

Federal motor vehicle members 18 years of age or older are eligible to apply in most states. Some states may require older members. Not a member yet? Learn more about joining Navy Federal.

To apply for a car loan, you must first become a member. Learn more about joining Navy Federal.

Used Car Loans And Financing For 2025

We don’t require a fixed credit score to qualify for a car loan. We include many factors.

Yes. This is called pre-approval, and it allows you to see exactly how many cars you’ve been pre-approved for before you start shopping. Remember: While you’re negotiating the dealer’s best price, don’t tell them how much you’ll have pre-approved financing.

You can apply for a car loan in minutes after logging into your account through our mobile app* or online banking. There are no fees and most decisions are made in seconds. If your application requires more height, we will email and/or text you.

If your car loan is accepted, we’ll send you a check or you can pick it up at a branch near you. After paying the seller, make sure the Commonwealth takes title within 90 days of purchase. You may also apply by phone at 1-888-842-6328 or through a branch.

New Car Loan

How long does it take to apply for a federal Navy auto loan?

When applying for a car loan, you will need to provide the following information about you and any co-applicants:

A refinance loan requires you to provide specific vehicle information, including VIN, exact mileage, lender contact information, and payment amount.

There are many benefits to buying a car, including an easy application process, decisions in most cases, and discounts for active and retired military.

Class Act Federal Credit Union

Getting pre-approved for a loan before you go to the dealer will help you negotiate a better sales price and find the amount you can get.

Can I quickly get car financing through Navy Federal after I contact the dealer and pick out my new car?

Yes, you can easily apply for a car loan from your phone through our mobile app.* In most cases, you’ll make your decision in seconds. Once approved, stop by your nearest branch to deposit your check.

In most cases within seconds! If you provided an email address during the application process, we will send you a follow-up email with more details.

Fast Credit Union

Note: If the co-applicant’s address is different from the main applicant’s address, the loan check and promise letter (or loan agreement) will be sent to the co-applicant first.

You can pick up your check at a branch near you or have it delivered to your home. After paying the seller, make sure the Commonwealth takes title within 90 days of purchase.

This step is important! Make sure you know that the dealer you are purchasing from will need to check your check before it is accepted for payment. It’s simple. All they have to do is call us at 1-866-348-8946. We will then give them a 4-digit verification code that can be found on the back of the check.

You also need to make sure the check is complete, accurate, and legible. The beginning of the test should look like this:

Compare The Best Auto Loan Rates In October 2025

Visit Car Buying Services powered by Truecar® and click ‘Shop Now’. By following the instructions, you will be able to:

The dealer you choose must receive financing from Navy Federal. If you’re looking to purchase your next vehicle online, take advantage of Truecar’s Navy Federal vehicle purchasing service.

U.S. Member Representatives are available 24 hours a day, 365 days a year. You can contact us online, by phone, or at a branch.

If you’re ready to apply for a car loan or want to check the status of your loan, call 1-888-842-6328.

Auto Loan Rates For New & Used Cars

Credit and collateral are subject to approval. Borrower has a good credit history It is assumed that the borrower has a good credit history. Your APR may actually vary and is based on a variety of factors, including credit history, loan type, model year, mileage, term, and loan amount. Rates may change.

New vehicle: (a) with less than 7,500 miles on the odometer, or (b) model year 2024 or later (late model used vehicle) with between 7,500 and 30,000 miles on the odometer. Note: Vehicles with more than 7,500 miles may not qualify for a loan term longer than 72 months and rates may be different than vehicles with less than 7,500 miles.

Payment example: A new car loan of $20,000 over 36 months has an interest rate of 3.89% per year and monthly payments of $591.

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Direct deposit is required. This special army can expire at any time. To receive the discount, applicants must contact Navy Federal by phone or visit a branch. Active duty rate discounts (also applicable to retired military) may apply, subject to certain restrictions.

Truecar operates the Navy’s federal vehicle purchasing service. Navy Federal is not responsible for the Federal Automobile Buying Service or any bidding, leasing, leasing or services provided through it.

Truecar provides a media marketplace for the car you want based on recent transactions from other buyers. Additional information on average Truecar market calculations can be found at .trucar.com.

Estimated trade values ​​are provided for informational purposes only and should not be construed as an offer for actual money or as an offer or conditional offer by Truecar, dealers or any third party to purchase your vehicle. The retail price or trade value available for your vehicle on the open market or from other sources may exceed this estimate. Terms and conditions apply and can be found at https://www.trrecar.com/terms/. There is a difference between new and used cars when it comes to financing. This blog explains how to use your car to help you prepare for your major purchase.

The Bright Way To Bank :: Sunmark Credit Union

You probably already know some of the benefits of buying a used car, such as not having to deal with the extreme depreciation that comes with buying a new car (sometimes up to 20% depreciation while you’re driving it off the lot). It may also mean purchasing with a lower registration fee and lower monthly payments.

To help you get one step closer to purchasing, we’ve created a step-by-step checklist for using your car.

Your credit score is the biggest determining factor in your interest rate. This helps place potential lenders in one of many buckets that go from super prime (highest credit score) to deep subprime (lowest credit score).

It’s wise to request a complete copy of your credit report from the three major credit bureaus (Experian, Transunion, and Equifax) to see if there are any discrepancies.

✨ 📣 Announcement For Members 📣 ✨ Beacon Community Credit Union Is Working With Auto Advisors To Offer A Car Buying Service. A “cash For Car Loans” Special Will Be Coming September

Our car loan calculator can help you do that

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