Applying for Personal Loans

Score before applying for

Secure the money you need today with a loan from Navy Federal. Whether you're looking to consolidate debt, finance a major purchase, cover unexpected expenses, or treat yourself to a much-needed vacation, we can help.

Sign in to Account Access to get started with your personal loan.

Personal Loan

Depending on your income and credit history, Navy Federal has an option to fit your unique needs and may even be able to deposit funds directly into your checking or savings account. Rates differ based on creditworthiness.

APR as low as


for up to 36 months


for 37 to 60 months


for 61 to 180 months

  • Terms greater than 60 months available for home improvement
  • $25, 000 minimum loan amount for terms 61 to 84 months. $30, 000 minimum loan amount for terms over 84 months.

Shares Secured Loan

Our Shares Secured loans are a great option to help you build your credit or make a purchase without dipping into your savings. Fully secured by shares in your Navy Federal account, this loan traditionally offers borrowers a lower rate.

Share rate + 2.00%2

for up to 60 months

Share rate + 3.00%

  • Shares can be pledged for yourself, family, and friends
  • As the loan is paid off, more shares become available to you
  • Shares continue to earn dividends

Certificate Pledged Loans

These loans allow you to borrow 100% of your certificate's principal balance for a variety of terms, at 2.00% APR above the certificate's rate.

Certificate rate + 2.00%3

  • Funds (shares) within a Share Certificate, Money Market Certificate, or Jumbo Certificate
  • The amount of the loan cannot exceed the amount of shares in the certificate
  • The loan term must be equal to or less than the certificate term

Personal Loan Application Checklist

Here are a few things we'll need to know:

How much you want to borrow for your loan

How long you would like to finance your loan

Current employment and income (including your employer's name and contact information)

Your contact information (phone number and email)*

Information about your co-applicant, if applicable (date of birth, address, phone number, email, income, employer's name and phone number, Social Security Number, NFCU access number)

Interesting facts

  • Lombard Direct is a British-based finance company that specialise in loans and insurance, founded in 1995. It is one of the largest finance houses in the United Kingdom and is now a member of the Royal Bank of Scotland group.
    Lombard sponsors various sporting events and athletes, including rowing champions Steve Redgrave and Matthew Pinsent...
  • The sabbath year, in Hebrew shmita (Hebrew: שמיטה‎, literally "release"), also called the Sabbatical Year, is the seventh year of the seven-year agricultural cycle mandated by the Torah for the Land of Israel, and still observed in contemporary Judaism.
    During Shmita, the land is left to lie fallow and all agricultural activity (including...

Additional information

Things to consider when applying for a personal loan
Things to consider when applying for a personal loan
Personal Loans & Financial Instruments : Where to Apply
Personal Loans & Financial Instruments : Where to Apply ...
Student Loans : Applying for US Department of Education Loans
Student Loans : Applying for US Department of Education Loans