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Pentagon Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 16 October 2023
Fact checked

A quick review of Pentagon Federal Credit Union auto loans

Pentagon Federal Credit Union logo

Pentagon Federal Credit Union (PenFed) offers new and used vehicle finance and refinancing with competitive rates and flexible terms. PenFed auto loans can be as low as 4.49% APR with terms extending up to 84 months. On top of discounted rates, PenFed provides cashback offers and auto deductible reimbursements that can help you save more on your loan.

Want to see what a PenFed auto loan will cost? Try the Pentagon Federal Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Pentagon Federal Credit Union auto loan features

  • Minimum loan amount: For new auto loans, the minimum loan amount is $15,000 for 61-72 month terms and $20,000 for 73-84 month terms.
  • Maximum loan amount: Up to $150,000.
  • Interest rates: New auto loans as low as 4.49%. Used auto loans start at 5.74% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: No application fees.
  • Discounts: Discounted auto loan rates when using PenFed car buying services.

PENFED CREDIT UNION AUTO LOAN OPTIONS

New vehicles

Secure interest rates as low as 5.19% APR for new auto loans with terms extending up to 84 months. You can also finance up to 125% in the U.S. and up to 110% in Puerto Rico and the Virgin Islands.

Used vehicles

PenFed Credit Union offers used car loans for as low as 6.04% APR. For vehicles with an 84-month loan term, model years should be as new as or newer than the current calendar year minus five years. They should also be less than 60,000 miles.

Auto loan refinance

Get rates as low as 5.19% APR for new vehicles and 6.04% for used vehicles. Flexible loan terms of up to 84 months. However, note that PenFed doesn’t accept internal refinancing of existing PenFed car loans.

Car buying service

You can find and finance new and used vehicles online. With this feature, interest rates start from 4.49% APR for new auto loans and 5.74% APR for used auto loans. Plus, you can receive cashback offers and up to $1,000 auto deductible reimbursements.

PenFed Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

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Pentagon Federal Credit Union

Pentagon Federal Credit Union auto loan

Pentagon Federal Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Pentagon Federal Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Pentagon Federal Credit Union auto loan

Eligibility criteria

  • Must be a PenFed Credit Union member
  • A valid driver’s license
  • A steady source of income

Consider building your credit before you apply with PenFed. Remember that a good credit score can help you qualify for more ideal rates and terms and boost your chances of getting approved.

How to join PenFed

You can be eligible to join PenFed Credit Union if you’re:

  • An immediate relative of a PenFed member
  • A member of any branch of the U.S. Military
  • An employee of the Department of Defense or Department of Homeland Security

Though you don’t meet the requirements above, everyone can join. You can apply through PenFed.org/JoinUs or contact 800-247-5626.

What you’ll need to have ready

Personal details

When you apply for auto financing with PenFed, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide PenFed Credit Union with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

In terms of refinancing your vehicle, PenFed Credit Union may ask for additional details and loan documents. These include the vehicle’s make, model, and age. You may need to provide the mileage and vehicle identification number (VIN), too.

Ways to apply for a PenFed Credit Union auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-247-5626

Additional Pentagon Federal Credit Union auto loan details

  • Automatic payment: Available.
  • Loan approval times: Credit unions can generally take a day to a few weeks to approve car loans.
  • Rate discounts: Lower rates, cashback offers, and auto deductible reimbursement for members who use PenFed’s car-buying services.
  • Repayment frequency: Monthly or biweekly.
  • Late payment fees: $0
  • Prepayment penalty: $0
  • Co-borrowers allowed: Available.
  • Co-signers: Undisclosed.
  • Ways to repay: By mobile app, online, in person, and by mail.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Fewer than 125,000 miles.
  • Other vehicle restrictions: For new auto loans, the limit is 7,500 miles.

PROS AND CONS

Pros

  • Competitive interest rates for members.
  • Long loan terms of up to 84 months to lower your monthly payment.
  • No loan application fees and early payment penalties.
  • Up to 125% financing in the U.S., and up to 110% in Puerto Rico and the Virgin Islands.
  • Exclusive member pricing on select manufacturers and models.
  • Cashback offers from select manufacturers.
  • Auto deductible reimbursement when purchasing with PenFed’s car buying service.
  • Coverage options, such as GAP insurance and debt protection programs.
  • Protection plans to extend or supplement your auto manufacturer’s warranty.

Cons

  • Must complete membership before qualifying for a loan.
  • Branches are limited to 13 states.
  • Fees undisclosed.

FREQUENTLY ASKED QUESTIONS

Can I repay my PenFed Credit Union car loan early?

Yes. PenFed doesn’t charge penalties even if you make extra monthly payments and pay off your loan earlier.

How long does it take for a PenFed car loan to be paid into my account?

Typically, you need to wait 7 to 10 business days for your loan funding to arrive by mail.

What is the maximum length of a Pentagon Federal Credit Union car loan?

You can finance new and used vehicles for up to 84 months.

What credit score do you need for a Pentagon Federal Credit Union auto loan?

Though PenFed doesn’t specify the minimum credit score, the higher your credit score, the better rate you will get. In general, credit scores above 660 may qualify for favorable interest and terms.

Does PenFed Credit Union require proof of income for auto loans?

Yes. During your application, you may need to provide proof of employment and annual income.

Will applying for vehicle finance with PenFed Credit Union affect my credit score?

If you get pre-qualified, it doesn’t affect your credit score. But if you make a formal application or accept a loan offer, PenFed Credit Union will make a hard credit check. This can temporarily decrease your credit score.

What is PenFed car buying service?

You can search for new and used vehicles through PenFed’s car buying service along with their details, such as the price, mileage, and history. In addition, you can also enjoy exclusive member discounts, free cashback offers, and insurance deductible reimbursement from select manufacturers and models.

Video: PenFed Credit Union auto loans – Occupations spot – Car buying service

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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