Credit union · NCUA insured
Lakehurst Naval Federal Credit Union Auto Loan Rates
Top CarrotLakehurst Naval Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.75% for a used one. Rates checked October 22, 2026.
How Lakehurst Naval Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Lakehurst Naval Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Lakehurst Naval Federal Credit Union
5.49%APR
- Terms
- up to 63 months
- Discount
- None included
Auto Loans
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Lakehurst Naval Federal Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Lakehurst Naval Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Rates and terms are based upon the model year of the vehicle, representative credit score, and LTV. APR disclosed is for 'A' credit and may not be applicable to all. Vehicle is considered used, for any model year, if it has 20,000 or more miles. L&N Federal Credit Union usually finances up to the retail value of a vehicle as quoted in the N.A.D.A. Value Guide plus any taxes or transfer fees. If needing to borrow more than 100% of retail value (upside down), loan secured at competitive rate. Rate subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.49% | Model Year: 2025-2027 - NEW. Fixed APR disclosed is for 'A' credit and may not be applicable to all. Rates are based on representative credit score and LTV. Rate subject to change. |
| 64–84 months | 6.50% | Model Year: 2025-2027 - NEW. Fixed APR disclosed is for 'A' credit and may not be applicable to all. Rates are based on representative credit score and LTV. Rate subject to change. |
| up to 63 months | 5.75% | Model Year: 2024-2026 - USED. Fixed APR disclosed is for 'A' credit and may not be applicable to all. Rates are based on representative credit score and LTV. Vehicle is considered used, for any model year, if it has 20,000 or more miles. Rate subject to change. |
| 64–75 months | 6.50% | Model Year: 2024-2026 - USED. Fixed APR disclosed is for 'A' credit and may not be applicable to all. Rates are based on representative credit score and LTV. Vehicle is considered used, for any model year, if it has 20,000 or more miles. Rate subject to change. |
| up to 51 months | 5.75% | Model Year: 2020-2023 - USED. Fixed APR disclosed is for 'A' credit and may not be applicable to all. Rates are based on representative credit score and LTV. Vehicle is considered used, for any model year, if it has 20,000 or more miles. Rate subject to change. |
| 52–63 months | 6.50% | Model Year: 2020-2023 - USED. Fixed APR disclosed is for 'A' credit and may not be applicable to all. Rates are based on representative credit score and LTV. Vehicle is considered used, for any model year, if it has 20,000 or more miles. Rate subject to change. |
| up to 51 months | 7.00% | Model Year: 2016-2019 - USED. Fixed APR disclosed is for 'A' credit and may not be applicable to all. Rates are based on representative credit score and LTV. Vehicle is considered used, for any model year, if it has 20,000 or more miles. Rate subject to change. |
Who can join Lakehurst Naval Federal Credit Union
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