Navy Federal Car Loan Calculator
Calculate your Navy Federal Credit Union auto loan payments, compare rates, and explore refinancing options. Get instant results for new and used car loans.
Loan Details
Navy Federal rates typically range from 4.5% to 7.5%
Common: 36, 48, 60, 72, 84 months
Loan Amount: $25,000.00
Summary
Payment Schedule
| Month | Payment Date | Principal | Interest | Total Payment | Remaining Balance |
|---|---|---|---|---|---|
| 1 | December 1, 2025 | $362.95 | $114.58 | $477.53 | $24,637.05 |
| 2 | January 1, 2026 | $364.61 | $112.92 | $477.53 | $24,272.45 |
| 3 | February 1, 2026 | $366.28 | $111.25 | $477.53 | $23,906.16 |
| 4 | March 1, 2026 | $367.96 | $109.57 | $477.53 | $23,538.21 |
| 5 | April 1, 2026 | $369.65 | $107.88 | $477.53 | $23,168.56 |
| 6 | May 1, 2026 | $371.34 | $106.19 | $477.53 | $22,797.22 |
| 7 | June 1, 2026 | $373.04 | $104.49 | $477.53 | $22,424.18 |
| 8 | July 1, 2026 | $374.75 | $102.78 | $477.53 | $22,049.43 |
| 9 | August 1, 2026 | $376.47 | $101.06 | $477.53 | $21,672.96 |
| 10 | September 1, 2026 | $378.19 | $99.33 | $477.53 | $21,294.76 |
| 11 | October 1, 2026 | $379.93 | $97.60 | $477.53 | $20,914.83 |
| 12 | November 1, 2026 | $381.67 | $95.86 | $477.53 | $20,533.17 |
| 13 | December 1, 2026 | $383.42 | $94.11 | $477.53 | $20,149.75 |
| 14 | January 1, 2027 | $385.18 | $92.35 | $477.53 | $19,764.57 |
| 15 | February 1, 2027 | $386.94 | $90.59 | $477.53 | $19,377.63 |
| 16 | March 1, 2027 | $388.71 | $88.81 | $477.53 | $18,988.91 |
| 17 | April 1, 2027 | $390.50 | $87.03 | $477.53 | $18,598.42 |
| 18 | May 1, 2027 | $392.29 | $85.24 | $477.53 | $18,206.13 |
| 19 | June 1, 2027 | $394.08 | $83.44 | $477.53 | $17,812.05 |
| 20 | July 1, 2027 | $395.89 | $81.64 | $477.53 | $17,416.16 |
| 21 | August 1, 2027 | $397.71 | $79.82 | $477.53 | $17,018.45 |
| 22 | September 1, 2027 | $399.53 | $78.00 | $477.53 | $16,618.92 |
| 23 | October 1, 2027 | $401.36 | $76.17 | $477.53 | $16,217.56 |
| 24 | November 1, 2027 | $403.20 | $74.33 | $477.53 | $15,814.37 |
| 25 | December 1, 2027 | $405.05 | $72.48 | $477.53 | $15,409.32 |
| 26 | January 1, 2028 | $406.90 | $70.63 | $477.53 | $15,002.42 |
| 27 | February 1, 2028 | $408.77 | $68.76 | $477.53 | $14,593.65 |
| 28 | March 1, 2028 | $410.64 | $66.89 | $477.53 | $14,183.01 |
| 29 | April 1, 2028 | $412.52 | $65.01 | $477.53 | $13,770.48 |
| 30 | May 1, 2028 | $414.41 | $63.11 | $477.53 | $13,356.07 |
| 31 | June 1, 2028 | $416.31 | $61.22 | $477.53 | $12,939.76 |
| 32 | July 1, 2028 | $418.22 | $59.31 | $477.53 | $12,521.53 |
| 33 | August 1, 2028 | $420.14 | $57.39 | $477.53 | $12,101.40 |
| 34 | September 1, 2028 | $422.06 | $55.46 | $477.53 | $11,679.33 |
| 35 | October 1, 2028 | $424.00 | $53.53 | $477.53 | $11,255.33 |
| 36 | November 1, 2028 | $425.94 | $51.59 | $477.53 | $10,829.39 |
| 37 | December 1, 2028 | $427.89 | $49.63 | $477.53 | $10,401.50 |
| 38 | January 1, 2029 | $429.86 | $47.67 | $477.53 | $9,971.64 |
| 39 | February 1, 2029 | $431.83 | $45.70 | $477.53 | $9,539.81 |
| 40 | March 1, 2029 | $433.80 | $43.72 | $477.53 | $9,106.01 |
| 41 | April 1, 2029 | $435.79 | $41.74 | $477.53 | $8,670.22 |
| 42 | May 1, 2029 | $437.79 | $39.74 | $477.53 | $8,232.43 |
| 43 | June 1, 2029 | $439.80 | $37.73 | $477.53 | $7,792.63 |
| 44 | July 1, 2029 | $441.81 | $35.72 | $477.53 | $7,350.82 |
| 45 | August 1, 2029 | $443.84 | $33.69 | $477.53 | $6,906.98 |
| 46 | September 1, 2029 | $445.87 | $31.66 | $477.53 | $6,461.11 |
| 47 | October 1, 2029 | $447.92 | $29.61 | $477.53 | $6,013.19 |
| 48 | November 1, 2029 | $449.97 | $27.56 | $477.53 | $5,563.22 |
| 49 | December 1, 2029 | $452.03 | $25.50 | $477.53 | $5,111.19 |
| 50 | January 1, 2030 | $454.10 | $23.43 | $477.53 | $4,657.09 |
| 51 | February 1, 2030 | $456.18 | $21.34 | $477.53 | $4,200.90 |
| 52 | March 1, 2030 | $458.27 | $19.25 | $477.53 | $3,742.63 |
| 53 | April 1, 2030 | $460.38 | $17.15 | $477.53 | $3,282.25 |
| 54 | May 1, 2030 | $462.49 | $15.04 | $477.53 | $2,819.77 |
| 55 | June 1, 2030 | $464.61 | $12.92 | $477.53 | $2,355.16 |
| 56 | July 1, 2030 | $466.73 | $10.79 | $477.53 | $1,888.43 |
| 57 | August 1, 2030 | $468.87 | $8.66 | $477.53 | $1,419.55 |
| 58 | September 1, 2030 | $471.02 | $6.51 | $477.53 | $948.53 |
| 59 | October 1, 2030 | $473.18 | $4.35 | $477.53 | $475.35 |
| 60 | November 1, 2030 | $475.35 | $2.18 | $477.53 | $0.00 |
About Navy Federal Car Loans
Navy Federal Credit Union offers competitive auto loan rates for both new and used vehicles. As a member-owned credit union, Navy Federal provides lower rates and better terms than many traditional banks. Our calculator helps you estimate your monthly payments, total interest costs, and explore refinancing options.
Key Features:
- Competitive rates for new and used vehicles
- Flexible loan terms from 36 to 84 months
- Refinancing options to lower your monthly payment
- Rate adjustments based on vehicle age and mileage for used cars
- Member benefits and discounts
Use this calculator to compare different loan scenarios, understand the impact of down payments, and make informed decisions about your auto financing. Remember that actual rates may vary based on your credit score, loan amount, and other factors. Contact Navy Federal for personalized rate quotes.