Is this page an offer of credit?

No. It is a lender's published offer, copied from the lender's public website on the date shown, and nothing on it is a quote, a pre-approval or a commitment to lend. Your rate is set by the lender after you apply on its site.

Why does the APR show a range?

Because that is what the lender publishes. Banrox shows the APR block only when the lender publishes one and quotes the lender's own wording; the rate you are offered depends on your credit history, income, amount and term, and may be higher than the lowest rate shown.

How is the monthly payment estimate calculated?

Principal and interest at the lowest APR the lender publishes, over the term you pick, excluding origination and other fees. It is an estimate for comparison only, and the lender's own disclosure governs.

What is the "Lowest APR" history chart?

A record of the lowest APR this lender published each time Banrox checked its page, so you can see whether the rate has been moving. It is a history of published rates, not a prediction of what you will be offered.

Does Banrox get paid if I apply?

Banrox may receive compensation from the lender when you take a product through the site, and that compensation cannot change the order in which offers are shown. Advertiser and Affiliate Disclosure.

Does clicking Apply affect my credit?

Not on Banrox. Apply takes you to the lender's site, where the lender's own application may involve a hard inquiry, and the lender must tell you before it does. Soft pull and hard pull, explained.

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PenFed Auto Loan (new, used, refinance, car buying service)

PenFed Credit Union · Auto loan · Rates as of Oct 12, 2026

APR (fixed)

3.39% to 6.24%

APR, fixed

What PenFed Credit Union publishes: "Rates as low as 3.39% APR with our car buying service | Rates and offers current as of September 1, 2026 and are subject to change. | APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate."

Full 'APR as low as' table by term (36/48/60/72/84 mo): New Car Buying Service (MY2025+, never titled) 3.39/3.79/3.84/4.54/5.74; New Auto Purchase 4.19/4.39/4.44/4.79/5.74; Used Car Buying Service (pre-owned or >7,501 mi) 4.34/4.94/4.99/5.04/6.24; Used Auto Purchase 4.79/5.29/5.34/5.39/6.24; New Auto Refinance (MY2025+, <7,501 mi) 4.19/4.39/4.44/4.79/5.74; Used Auto Refinance (>7,501 mi) 4.79/5.29/5.34/5.39 with the 84-month cell not shown. apr_max here is the highest 'as low as' floor on the page (84-mo used), NOT a ceiling: page shows no maximum APR. Floors: new purchase 4.19%, used purchase 4.79%, refinance new 4.19% / used 4.79%.

The rate you are offered is set by PenFed Credit Union after you apply on its site. It depends on your credit history, income, loan amount and term, and may be higher than the lowest rate shown here.

Loan amount and term

Loan amount	up to $150,000
Term	36 to 84 months
Rate type	fixed
Funding speed	Soft-pull rate check; after approval PenFed issues a check to the applicant or dealership (no day count stated)

Fees

Origination fee	0% (PenFed will not charge you any fees to apply or pay off your loan early)
Prepayment penalty	No
Late fee	Not stated

Eligibility

Minimum credit score	Not disclosed
States	all (refinance up to 125% financing available in U.S., Puerto Rico and Virgin Islands)
Membership	Required, see the lender's eligibility rules

Highlights

Origination fee 0% (PenFed will not charge you any fees to apply or pay off your loan early)
Funding: Soft-pull rate check; after approval PenFed issues a check to the applicant or dealership (no day count stated)
Borrow up to $150,000
No prepayment penalty
Credit union membership required

About PenFed Credit Union

Legal name	Pentagon Federal Credit Union
Type	Credit union
Website	https://www.penfed.org

Other PenFed Credit Union offers on Banrox: PenFed Personal Loan, PenFed Home Equity Line of Credit (HELOC).

Source and date

Rates as of	Oct 12, 2026
Lender rate page	Open
Lender disclosures	Open

Every number on this page is copied from PenFed Credit Union's public website on the date above. Banrox does not set, estimate or adjust lender rates.

Estimated payment

at 3.39% APR, the lowest published

/month

Loan amount and term

Apply

Apply on PenFed Credit Union's site

See the lender's rate page

Lowest APR, last 2 checks

Estimate only. Principal and interest at the lowest APR the lender publishes, excluding fees. Your actual rate, payment and eligibility are decided by the lender. This is not an offer or a commitment to lend.

Compare with

LightStream: LightStream Auto Refinance 10.24% to 17.99%
Happen Bank (formerly LendingClub): Happen Bank Auto Refinance Loan 4.49% to 24.99%
OneMain Financial: OneMain Financial Auto Refinance Loan / Auto Purchase Loan Not published

Third-party lenders

Loan offers are provided by third-party lenders. Banrox is a technology company and is not a lender. Banrox does not take loan applications, make credit decisions or fund loans.

Compensation

Banrox may receive compensation from some lenders when you click or apply through links on this page. Compensation does not affect the rates shown, which are taken from each lender's public website as of the date displayed.

Rates and estimates

Rates, amounts, terms and fees are shown as published on the lender's website on the date marked above and may change without notice. The payment estimate uses the lowest APR the lender publishes and excludes origination and other fees; the lender's own disclosure governs. Nothing on this page is an offer, a rate quote or a commitment to lend.

Before you rely on anything on this page

Banrox does not decide. Banrox Inc. is a technology company. It is not a bank, a lender, a loan broker, or a credit repair organization, and it does not approve, deny, price or underwrite any credit product. Every decision belongs to the bank, lender or issuer, under its own criteria and its own licences.

Nothing here is an offer. Rates, payments, limits and terms shown on this site are published information or arithmetic estimates. They are not quotes, not pre-approvals and not offers of credit. Your actual terms depend on the provider's review of your application. See where these numbers come from.

Equal Credit Opportunity Act. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning Banrox Inc. is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. More on fair lending.

How Banrox is paid, and why payment cannot change the order of a comparison: Advertiser and Affiliate Disclosure. Full terms: Terms of Service.

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