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Credit union

PenFed Credit Union

Nationwide · Headquarters Virginia

Pentagon Federal Credit Union. The auto page lets guests apply and creates membership during the application. Financing is available in the U.S., Puerto Rico, and the Virgin Islands.

Rate page on penfed.org

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

3.39%

TrueCar dealer only

as low as APR

PenFed Credit Union

Credit union · New · 36 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.

Checked Nov 10, 2026Source penfed.org

3.79%

TrueCar dealer only

as low as APR

PenFed Credit Union

Credit union · New · 48 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.

Checked Nov 10, 2026Source penfed.org

3.84%

TrueCar dealer only

as low as APR

PenFed Credit Union

Credit union · New · 60 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.

Checked Nov 10, 2026Source penfed.org

4.19%

as low as APR

PenFed Credit Union

Credit union · New · 36 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term.

Checked Nov 10, 2026Source penfed.org

4.19%

as low as APR

PenFed Credit Union

Credit union · Refinance · 36 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.

Checked Nov 10, 2026Source penfed.org

4.34%

TrueCar dealer only

as low as APR

PenFed Credit Union

Credit union · Used · 36 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.

Checked Nov 10, 2026Source penfed.org

4.39%

as low as APR

PenFed Credit Union

Credit union · New · 48 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term.

Checked Nov 10, 2026Source penfed.org

4.39%

as low as APR

PenFed Credit Union

Credit union · Refinance · 48 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.

Checked Nov 10, 2026Source penfed.org

4.44%

as low as APR

PenFed Credit Union

Credit union · New · 60 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term.

Checked Nov 10, 2026Source penfed.org

4.44%

as low as APR

PenFed Credit Union

Credit union · Refinance · 60 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.

Checked Nov 10, 2026Source penfed.org

4.54%

TrueCar dealer only

as low as APR

PenFed Credit Union

Credit union · New · 72 months

Nationwide

Minimum loan $15,000.

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. Minimum loan amount is $15,000 for 61-72 month term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.

Checked Nov 10, 2026Source penfed.org

4.79%

as low as APR

PenFed Credit Union

Credit union · Used · 36 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term.

Checked Nov 10, 2026Source penfed.org

4.79%

as low as APR

PenFed Credit Union

Credit union · Refinance · 36 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.

Checked Nov 10, 2026Source penfed.org

4.79%

as low as APR

PenFed Credit Union

Credit union · New · 72 months

Nationwide

Minimum loan $15,000.

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. Minimum loan amount is $15,000 for 61-72 month term.

Checked Nov 10, 2026Source penfed.org

4.79%

as low as APR

PenFed Credit Union

Credit union · Refinance · 72 months

Nationwide

Minimum loan $15,000.

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. Minimum loan amount is $15,000 for 61-72 month term. PenFed does not permit internal refinances of an existing PenFed auto loan.

Checked Nov 10, 2026Source penfed.org

4.94%

TrueCar dealer only

as low as APR

PenFed Credit Union

Credit union · Used · 48 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.

Checked Nov 10, 2026Source penfed.org

4.99%

TrueCar dealer only

as low as APR

PenFed Credit Union

Credit union · Used · 60 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.

Checked Nov 10, 2026Source penfed.org

5.04%

TrueCar dealer only

as low as APR

PenFed Credit Union

Credit union · Used · 72 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.

Checked Nov 10, 2026Source penfed.org

5.29%

as low as APR

PenFed Credit Union

Credit union · Used · 48 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term.

Checked Nov 10, 2026Source penfed.org

5.29%

as low as APR

PenFed Credit Union

Credit union · Refinance · 48 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.

Checked Nov 10, 2026Source penfed.org

5.34%

as low as APR

PenFed Credit Union

Credit union · Used · 60 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term.

Checked Nov 10, 2026Source penfed.org

5.34%

as low as APR

PenFed Credit Union

Credit union · Refinance · 60 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.

Checked Nov 10, 2026Source penfed.org

5.39%

as low as APR

PenFed Credit Union

Credit union · Used · 72 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term.

Checked Nov 10, 2026Source penfed.org

5.39%

as low as APR

PenFed Credit Union

Credit union · Refinance · 72 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed does not permit internal refinances of an existing PenFed auto loan.

Checked Nov 10, 2026Source penfed.org

5.74%

as low as APR

PenFed Credit Union

Credit union · New · 84 months

Nationwide

Minimum loan $20,000.

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. Minimum loan amount $20,000 for 73-84 month term.

Checked Nov 10, 2026Source penfed.org

5.74%

TrueCar dealer only

as low as APR

PenFed Credit Union

Credit union · New · 84 months

Nationwide

Minimum loan $20,000.

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. Minimum loan amount $20,000 for 73-84 month term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.

Checked Nov 10, 2026Source penfed.org

5.74%

as low as APR

PenFed Credit Union

Credit union · Refinance · 84 months

Nationwide

Minimum loan $20,000.

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. Minimum loan amount $20,000 for 73-84 month term. PenFed does not permit internal refinances of an existing PenFed auto loan.

Checked Nov 10, 2026Source penfed.org

6.24%

as low as APR

PenFed Credit Union

Credit union · Used · 84 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term.

Checked Nov 10, 2026Source penfed.org

6.24%

TrueCar dealer only

as low as APR

PenFed Credit Union

Credit union · Used · 84 months

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.

Checked Nov 10, 2026Source penfed.org