Conditions and limitations
Navy Federal membership is required. Loans above $50,000 need a qualified co-applicant. Published ranges are not personalized offers; your terms depend on underwriting and state.
OFFICIAL PRODUCT TERMS
Navy Federal
Personal Loan Terms
Published terms from Navy Federal’s official pages, checked Nov 2, 2026. Your own rate and eligibility are set by the provider.
Navy Federal Personal Loan
Published APR8.74% – 18.00%A range, not your rate
Loan amount$250 – $50,000May vary by state
Repayment termUp to 60 monthsLonger terms cost more overall
Origination fee0.00%Usually taken from the loan
Eligibility
- Minimum credit score
- Not disclosed
- Direct pay to creditors
- Not disclosed
- Co-applicant
- Required for loans over $50,000
- Autopay discount
- Not disclosed
- Late fee
- Charged on late payments
- Prepayment penalty
- None
- State availability
- Not disclosed
From the provider’s official pages. Not disclosed means the pages we checked do not state it; ask the provider.
Sources and verification
Terms checked Nov 2, 2026Source status: reviewed
A successful source check does not renew the financial terms. This is a factual product summary, not an endorsement or personalized offer. No affiliate tracking link is used.