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Don't Pass By Our Low Rates.

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

Car, Truck and Motorcycle Loans

Stylish. Roomy. Fuel efficient. Whatever you’re looking for in a vehicle, Navigator Credit Union can help you get it, with a low-cost auto loan that puts you in the driver’s seat.



Flexible Terms

Same Low Rates
for New and Used Vehicles

Affordable GAP Coverage

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Refinance Your Auto Loan & Save.

Love your car but not your payment? Refinance your auto loan from another lender and you could save money every month and hundreds over the life of your auto loan. We offer great refinance rates and flexible terms up to 84 months. 

The refi process is fast and easy, so you can start saving sooner.

First-Time Buyers Program

Are you buying your first car? Navigator can help. Our First-Time Buyers Program is designed for people with no credit or low credit who need an affordable loan from a financial institution they can trust. If you're interested, contact a friendly Team Member at 800-344-3281, option 3, 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. Affordable GAP coverage is just one more way Navigator Credit Union takes care of our Members.

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

It can be hard to find the best car insurance. That's why we work with TruStage to offer Credit Union Members protection that's simple to get and understand. Along with competitive rates, Members can get customized insurance, reliable service and optional 24-hour roadside assistance. Learn more.

RV & Boat Loans

Hit the Open Road (or Water) and Start Making Memories Today.

You’ve worked hard; you should play hard, too! 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.

No matter what type of RV, boat or ATV is on your wish list, we make the loan process easy and efficient.


Loan Rates

Check our competitive car loan rates.  You’ll be pleasantly surprised at how affordable Navigator loan rates are.

Loan Payment Calculator

Our interactive money calculators and colorful graphs will give you a clearer initial picture of where you stand financially.

Get Pre-Approved Today!

Here for You. Not for Profit.

As a Member-owned credit union, we’re here to serve you, not Wall Street. This means we can provide our Members with a full range of financing and banking products, but with better rates, fewer fees and more flexibility.  Navigator is your credit union on the Gulf Coast with Branches across Mississippi and Alabama.

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.