Flexible terms
Vehicle Loans
You’re going places in life. Navigator Credit Union provides flexible, affordable financing to help you get there. No membership is required to apply — you can pre-qualify for your loan anytime. Loans are available for cars, motorcycles, RVs, and boats with rates as low as 4.99% APR.
Navigator's Vehicle Loan Benefits
Same low rates for new and used vehicles
Affordable GAP coverage
Loans for Cars, Trucks, and SUVs
No matter how you choose to get from A to B, Navigator has an auto loan to suit your needs with financing for cars, trucks, and SUVs, all with our trademark flexibility and unbeatable rates.
- Loans up to 84 months, depending on the age and mileage of the vehicle.
- Rates as low as 4.99% APR.*
Auto Loan Refinancing
Looking to save money over time or spend less each month on your existing loan payment? At Navigator, we refinance loans from other lenders so you can put more money back in your pocket.
- Loan terms up to 84 months, depending on the age or mileage of your vehicle.
- Original Navigator loans are not eligible for refinancing.
RV & Boat Loans
Hit the open road or cast off for adventure on the water with a motorcycle, RV, or boat loan from Navigator. Make more of your leisure time with our great rates and flexible terms.
- Motorcycle and ATV loan terms up to
72 months. - Boat and recreational vehicle loan terms up to 180 months.
- Competitive loan rates.
First-Time Buyers Program
It can be hard to purchase a car when you’re just starting out. Navigator’s First-time Buyers Program helps get you on the road for less.
The program allows buyers with little or no credit to qualify for loans. While no specific score is required to benefit from the program, you’ll usually be offered a lower rate or higher loan amount on your loan application if you:
- Have a stable employment history
- Have a down payment saved
- Have access to a qualified co-signer
Contact your nearest Navigator branch for more information about our First-Time Buyers Program.
Vehicle Insurance Products
What is GAP coverage?
A Guaranteed Asset Protection (GAP) coverage covers the difference between your loan balance and the amount your insurance policy would pay out if your vehicle were totaled or stolen and never recovered.
Mechanical Repair Coverage
Mechanical Repair Coverage is an extended car warranty package that minimizes the disruption of car repairs and helps you get back to what really matters.
TruStage Insurance
Navigator works with TruStage to offer members auto insurance, competitive rates, reliable service and optional 24-hour roadside assistance. Learn more.
Vehicle Loan Resources
Loan rates
Loan payment calculator
Our interactive money calculators will give you a picture of where you stand financially.
Get pre-approved today
Contact Us
Explore Loans
Car Loans
We provide low-cost auto loans with flexible terms and the same great rates for both new and used cars. Benefits include affordable GAP coverage and a First-Time Buyers Program.
Personal Loans
Our personal loans offer competitive rates and flexible terms for debt consolidation, home improvements, major purchases, or unexpected bills.
Credit Cards
Earn unlimited rewards, consolidate debt, and build and improve your credit with a Navigator Platinum Rewards card today.
* APR = Annual Percentage Rate (APR). The APR can vary based on a borrower’s credit profile, age of vehicle, loan term, loan-to-value ratio, and/or vehicle mileage. Borrower’s rate can be higher depending on your credit performance. Membership and credit eligibility requirements apply. Based on $10,000 loan with a 4.99% APR for 36 months, monthly payments will be $299.66. Additional credit and collateral criteria may apply. Rates and terms are subject to change without notice. Federally insured by NCUA. Terms and conditions apply.