PenFed Auto Loan vs. PenFed Student Loan Refinance
Side-by-side comparison · Updated 2026 · Independently reviewed
WealthSpott Verdict
PenFed Student Loan Refinance wins on more measurable categories — particularly on rate and cost. PenFed Auto Loan may still be the right fit depending on your loan amount and term needs.
Feature
PenFed Auto Loan
PenFed Student Loan
APR Range
5.99% – 17.99%
5.49% – 9.99% Best
Loan Amount
$500 – $150,000
$7,500 – $300,000 Best
Term Length
36–84 months
60–240 months
Origination Fee
None
None
Min Credit Score
650+ Best
670+
Funding Speed
1–2 days
3–4 weeks
PenFed Auto Loan
PenFed Student Loan Refinance
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