Preferred Auto Dealers

Visit one of our preferred dealer partners for your next vehicle purchase.

Indirect Lending FAQs

Can I apply for an auto loan if I don't know what car I am buying yet?

Yes, you can apply for an auto loan online even if you have not yet found the car you want. If you’re not a member of navigator yet, you may still apply for a loan online.

In some instances, a pre-approval will help you during the car buying process.

Options to apply for an auto loan:

  • Online – apply for a loan online.
  • Phone – Loan representatives are available from 9:00 a.m. to 56:00 p.m. Monday through Friday. Call (800) 344-3281.
  • Branch – Stop by any of our branch locations to apply for a loan.
  • Dealerships – Loan applications can be processed by any of our participating dealerships.

Do I have to apply through a dealer to get an auto loan with Navigator

No, we finance private sales too. Options to apply for an auto loan:

  • Online – apply for a loan online.
  • Phone – Loan representatives are available from 9:00 a.m. to 56:00 p.m. Monday through Friday. Call (800) 344-3281.
  • Branch – Stop by any of our branch locations to apply for a loan.
  • Dealerships – Loan applications can be processed by any of our participating dealerships.

In some instances, a pre-approval will help you during the car buying process.

How can I qualify for a loan?

Loan qualifications differ depending on the type of loan you are applying for. The best way to find out if you qualify for a loan is to apply.

Options to apply for an auto loan:

  • Online – apply for a loan online.
  • Phone – Loan representatives are available from 9:00 a.m. to 56:00 p.m. Monday through Friday. Call (800) 344-3281.
  • Branch – Stop by any of our branch locations to apply for a loan.
  • Dealerships – Loan applications can be processed by any of our participating dealerships.

How do I apply to refinance my auto loan?

Applying for an auto refinance is easy. Complete an application online, over the phone or at a branch location.

Options to apply for an auto loan:

  • Online – apply for a loan online.
  • Phone – Loan representatives are available from 9:00 a.m. to 56:00 p.m. Monday through Friday. Call (800) 344-3281.
  • Branch – Stop by any of our branch locations to apply for a loan.
  • Dealerships – Loan applications can be processed by any of our participating dealerships.

What do I do if I'm struggling to make my loan payments?

If you are facing difficulty managing your loan payments, please don’t hesitate to reach out for assistance. Our team of friendly financial coaches are here to help. Our specialists are Certified Financial Counselors. We can discuss your situation and explore options together to find a solution that works for you.

Preferred Dealers

Car Affordability Calculator

Figure out your monthly payment based on purchase price, down payment, term, and interest rate. Or tweak those numbers to figure out how much you can spend on a vehicle based on the other factors.

Explore Loans

Direct Car Loans

A pre-approved auto loan from Navigator gives you a head start and added negotiating power.
Direct auto loans

Auto Refinance

Refinancing your vehicle loan could lower your rate and monthly payment.
Auto refinance

Auto loan calculator

Explore what it would take to pay off your auto loan early.
Calculator

* 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.