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Good Day Loans

Navy Federal Credit Union Personal Loan

Best for: navy federal members

APRs of 8.74% to 18.00% with no application, origination or prepayment fees, for Navy Federal members.

Good Day Loans is not currently paid by the institutions shown here. Any paid placement would be labeled and never changes rankings. Advertiser disclosureVerified Sep 28, 2026

At a glance

APR
8.74–18.00%
Amount
$250–$150K
Terms
1 year – 5 years
Min. score
Not published

Example: borrowing $2,500 over 3 years with good credit would cost about $83 a month and $500 in interest and fees.

Strengths and trade-offs

Strengths

  • APR tops out at 18.00%
  • No application, origination or prepayment fees
  • Most loans fund in 24 hours or less
  • Loans from $250

Trade-offs

  • You must be a Navy Federal member
  • Loans over $50,000 require a qualified co-applicant
  • Minimum credit score is not published

How it compares

The starting APR is in line with the median of the 12 personal loans we track (8.74%). Bars below share one scale.

5% APR40% APR

Rates, fees and terms

APR range
8.74% – 18.00%
Loan amount
$250 – $150,000
Terms
1 year – 5 years
Origination fee
None
Minimum credit score
Not published by the lender
Time to funding
As soon as next business day
Prepayment penalty
None
Collateral
Unsecured
Lender type
Credit union
  • Navy Federal lists terms as up to 36 months, 37 to 60 months and, for home improvement loans, 61 to 180 months. It does not state a shortest term, so Parity treats 12 months as the shortest term it compares.
  • The 8.74% starting APR applies to terms up to 36 months. Terms of 37 to 60 months start at 10.69%.

Figures read from navyfederal.org on Sep 28, 2026. Terms change without notice, so confirm with the lender.

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