Navy Federal Personal Loan

Navy Federal offers Personal Loans up to $50,000, but if you don’t meet their membership requirements then you may be locked out of using their loans. Check City Personal Loans don’t have membership requirements so our loan services are available to anyone.

Navy Federal is a credit union that provides banking services, like personal loans, to members of the armed forces and their families. Personal loans are most often used for debt consolidation, home improvements, car financing, vacations, weddings, medical bills, and other important major expenses. Each loan provider comes with its own pros and cons to think about.

Navy Federal Personal Loans: A Quick Look

Navy Federal offers a wide variety of personal loan options. They have relatively low APRs and have loan term options for 36, 60, and 180 months, but if you want to finance your loan for longer than 60 months, you’ll need to apply with one of their loan representatives. Since Navy Federal is a credit union specifically for the armed forces, you’ll also have to meet certain requirements to first become a member before you can take out a personal loan with them.

Maximum Loan Amount: $50,000

Rates: 8.19% to 18.00% APR

Fees: No origination fee

Terms: 36, 60, and 180 months

Basically, Navy Federal is a great personal loan provider for those who are already members of their credit union. There are many options for loan amounts and loan terms. But you can only get a personal loan with Navy Federal if you are a member of their credit union, and they have strict membership requirements. If you don’t meet these requirements, they aren’t the personal loan provider for you.

Who is Navy Federal Perfect For?

Navy Federal is perfect for members of the armed forces who want to take out larger personal loans for big purchases. They have low rates for large, long-term loans, which can be very useful if you have large purchases you need help with. But they have very particular requirements for their credit union members.

Navy Federal Membership Requirements:

  • Veterans
  • Members of the Army, Marine Corps, Navy, Air Force, and Coast Guard
  • Army and Air National Guard personnel
  • Department of Defense civilians
  • U.S. government employees assigned to DOD installations
  • Contractors assigned to DOD installations
  • Immediate family members of any of the above

Who Should NOT Get a Navy Federal Personal Loan?

First of all, if you don’t meet the membership requirements mentioned above, then you can’t get a personal loan from Navy Federal. If you do meet their membership requirements then you have to already be a member with Navy Federal before you can take out a loan with them. Many loan providers with membership requirements also require you to be a member with them for a certain amount of time before they’ll let you take out a personal loan, so be aware of this possibility as well.

An Alternative to Navy Federal Personal Loans

If you’ve decided that a Navy Federal personal loan isn’t right for you, then there are other options. Instead of getting a personal loan where memberships are required you can quickly and easily take out a personal loan with Check City, where no membership is required and our loans are available to anyone who applies. Even if you have a low credit score, you can still apply for a loan at Check City.

Reasons to Get a Check City Personal Loan


Check City is a direct lender. You only deal with our people (and not outside, third-parties) to get your loan.

Check City is a state licensed lender. You can enjoy the peace of mind that we’re doing everything right according to the state you live in.

Our application process is quick and simple. Just fill out a short loan application online and you’re good to go!

Low credit? No problem! You can still apply, even if you have a low credit score.

We have no origination fees.

Get cash TODAY. By visiting a Check City store you can apply and receive loan funds all in the same day.

Shorter loan terms and smaller loans. Not everyone needs a giant loan that they’ll have to finance for the next couple of years. Check City offers small loans that you can pay back in as little as 6 months.

How to Apply for a Check City Personal Loan

Applying for a Check City personal loan is super easy. All you have to do is go to our online Personal Loan Page and fill out the short application form. It only takes a few minutes! You can also apply for a Check City personal loan over the phone or in the store. If you apply for your loan in the store, you can actually walk out with your money in that very same visit!

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online at

Find Check City Stores Near Me and apply at our store.

Or call Check City’s Loans By Phone number: 800-404-0254

If this personal loan option sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and get your funds now.


Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

*USAA Personal Loan *Navy Federal Personal Loan
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $2,500 to $50,000 $50,000
Rates lower APR than our payday loans 6.99% to 24.99% 5.49% to 22.99% 8.99% to 18.00% 8.19% to 18.00%
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties no origination, application, or prepayment fees no origination fee
Terms 6 months 36 to 84 months 12 to 84 months 12 to 84 months 36 to 180 months
Min. Credit Score none 660 600 high credit score none

*unique membership requirements.
There are many personal loan providers out there to choose from and they all come with their own pros and cons. But as a loan customer, you also have loan requirements to remember when you’re shopping for a loan. Don’t settle for less when it comes to your personal loan and find the right fit for you.

*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.

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