How to Apply for an Auto Loan
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Step 1
Gather required documents and information
- Contact information for applicant and co-applicant (phone number and email)
- Current housing, employment and income information for applicant and co-applicant
- Trade-in information (title or loan information, registration, etc.)
- Amount you expect to finance (including vehicle purchase price, taxes, tags, title and warranty, less any down payment)
- Length (term) of the loan you want
If you’ve already picked out the vehicle you wish to buy, we’ll also need:
- the 17-character Vehicle Identification Number (VIN)
- the state where you’ll register the vehicle
- the exact mileage
- the dealer or seller's name
Don’t have your vehicle picked out yet? No problem! Learn more about applying for pre-approval.
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Step 2
Check your application status
After submitting your application, you'll receive a text* or email letting you know the status of your application.
We understand that when shopping for a car, you can’t always wait around for a decision. That’s why we typically provide auto loan decisions in 5 minutes or less.1
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Step 3
Receive your funds
You can choose to pick up a check at your nearest branch or have it mailed to your home.
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Step 4
Send us the title
Once you pay the seller, ensure the title is received by Navy Federal within 90 days of purchase.
Ready to get started?
Disclosures
1
Credit and collateral subject to approval.
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