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Navy Federal personal loan

Not financial advice. Published ranges from each lender's own page with the date we read it; your offer depends on credit, income and state. No lender pays for inclusion or rank.

Rubric score 74.6%

• APR8.74%–18% navyfederal.org, 2026-10-12
• Origination fee0% navyfederal.org, 2026-10-12
• Termsup to 180 months navyfederal.org, 2026-10-12
• Loan amounts$250–$50,000 navyfederal.org, 2026-10-12
• Minimum credit scorenot published (not found) navyfederal.org, 2026-10-12

Note: Membership required; longer terms (61–180 mo) have higher minimum amounts

Fees: 'No fees and no prepayment penalties': official page (as of 2026-10-12)

Complaint record (CFPB)

• Complaints, last 12 months10,427
• Trend▼ 41.4% (last 12 mo 10,427 vs prior 12 mo 17,784)
• Timely response (last 36 mo)100.0%
• Top issueProblem caused by your funds being low
• Insurance statusNCUA-insured credit union: NAVY FEDERAL CREDIT UNION (charter 5536, Active; insured since 01/04/1971; assets $204,364,276,193)

Company-level (NAVY FEDERAL CREDIT UNION), all products, as of 2026-10-12. Navy Federal Credit Union complaints: full record → Shown for context; does not change the score.

Score breakdown

• Lowest advertised APR 7.3/10Lowest APR 8.74%. Score = 16 − APR, 0–10 (6% → 10).
• Highest APR (worst case) 10/10Max APR 18.0%. Score = (36 − max)/1.6, 0–10.
• Origination fee (max) 10/10Origination fee up to 0%. Score = 10 − max fee %.
• Term range 5.0/10not found — unknown, scored 5.0/10 (lower of neutral 5 and comparison median)
• Max loan amount 5.0/10Up to $50,000. Score = max/$10k, max 10.

0.200×7.3 + 0.200×10 + 0.200×10 + 0.200×5.0* + 0.200×5.0 = 7.46 → 74.6% (* unknown, imputed)

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FAQ

What APR does Navy Federal charge?

8.74%–18% navyfederal.org, 2026-10-12

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.