Auto Loans

Get pre-approved for an auto loan with rates as low as 4.99% APR!
Easy online application

Car, truck and motorcycle loans

Whatever you’re looking for in a vehicle, Navigator Credit Union can help you get it.

Flexible terms

Same low rates for new and used vehicles

Affordable GAP coverage

Refinance Your Auto Loan & Save.

Refinance your auto loan from another lender and you could save money every month. We offer terms up to 84 months.
Apply now

First-time buyers program

Navigator’s first-time buyers program is designed for people with no credit or low credit.

If you’re interested, call us for more information.

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.

RV & boat loans

Whether you want to take a road trip in your new RV, take a leisurely cruise on the water in your dream boat or blaze a trail in your new ATV, Navigator has the right lending solution for you.
Boating

Loan payment calculator

Our interactive money calculators will give you a picture of where you stand financially.

Get pre-approved today

Apply now
APR = Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and applies to vehicles from model year 2015 or newer with less than 100,000 miles. The APR can vary based on creditworthiness, age of vehicle and term of the loan. Your rate can be higher depending on your credit performance. Membership and credit eligibility requirements apply. 84 months is limited to 2019 or newer with less than 75,000 miles. Auto loans currently financed through Navigator Credit Union cannot be refinanced with this offer. The payment amount would be $299.78 for $10,000 financed at 4.99% for 36-month term. Interest begins accruing from the date the loan is funded. Borrower is allowed to make payments during the three-month loan payment deferment period if so desired. Funds for cash back option deposited into Navigator savings account. The promotional offer of no payment for 90 days or $150 cash back applies only to financed amounts of $10,000 or more. Additional credit and collateral criteria may apply. Rates and offer subject to change without notice.