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 with monthly payment calculations.
Loan Details
Navy Federal rates typically range from 4.5% to 7.5% for 2025
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 serving military members, veterans, and their families, Navy Federal provides lower rates and better terms than many traditional banks. Our Navy Federal car loan calculator helps you estimate your monthly payments, total interest costs, and explore refinancing options to make informed decisions about your auto financing.
Whether you're purchasing a new vehicle or considering a used car loan, Navy Federal's auto loan calculator provides accurate payment estimates based on current rates. The calculator accounts for various factors including vehicle age, mileage, and credit score to give you a realistic picture of your monthly payment and total loan costs.
Key Features:
- Competitive rates for new and used vehicles with flexible terms from 36 to 84 months
- Monthly payment calculator to estimate your car loan payment based on loan amount, interest rate, and term
- Used car loan calculator that adjusts rates based on vehicle age and mileage
- Refinancing calculator to compare current loan terms with Navy Federal refinance rates
- Rate comparison tool to evaluate different interest rate scenarios
- Credit score impact analysis showing how your credit score affects available rates
- Member benefits and discounts for eligible borrowers
Navy Federal car loan rates for 2025 vary based on several factors including your credit score, loan amount, vehicle type, and loan term. Generally, rates range from 4.5% to 7.5% for qualified borrowers. Used car loans typically carry slightly higher rates than new car loans, and rates may be adjusted based on the vehicle's age and mileage.
When considering refinancing your existing car loan with Navy Federal, use our refinance calculator to compare your current monthly payment and total interest costs with potential new loan terms. The calculator helps you determine if refinancing makes financial sense by showing your potential monthly savings, total interest savings, and break-even point after accounting for refinance costs.
Use this Navy Federal car loan calculator to compare different loan scenarios, understand the impact of down payments and loan terms, and make informed decisions about your auto financing. Remember that actual rates may vary based on your credit score, loan amount, vehicle type, and other factors. Contact Navy Federal Credit Union directly for personalized rate quotes and to discuss your specific financing needs.