Navy Federal Classic Car
Loan Appraisals
Navy Federal Credit Union requires a USPAP-conforming certified appraisal for any classic, collector, or non-standard vehicle loan. We deliver same-day — accepted by Navy Federal loan officers nationwide.
ASCAA-CERT-4246
Certified appraiser credential
USPAP Compliant
Prepared in substantial conformity with USPAP 2025–2026
Hagerty Approved
On Hagerty's approved appraiser list
Since 1993
Appraising vehicles for 30+ years
Why Navy Federal Requires a Certified Appraisal
Standard book values — Kelley Blue Book, NADA — don't exist for classic and collector vehicles. Navy Federal's loan officers cannot approve a loan without a documented collateral value, and they require that documentation to come from a credentialed, independent appraiser operating under USPAP standards.
Our appraisals are prepared by Shawn Owens, ASCAA-CERT-4246, in substantial conformity with USPAP 2025–2026 standards. Navy Federal loan officers across the country accept our reports without pushback — because they're built to meet exactly what the lender needs.
What Navy Federal Requires in an Appraisal
- USPAP-conforming appraisal (2025–2026 standards)
- Signed by a credentialed appraiser (ASCAA-CERT-4246)
- Fair market value conclusion with market comparables
- Detailed vehicle description and condition assessment
- Statement of appraiser independence
- Delivered on company letterhead
Vehicle Types Navy Federal Finances
We appraise every vehicle type Navy Federal accepts as loan collateral — all requiring a certified appraisal.
Classic Cars & Muscle Cars
Pre-1980 American and European classics, muscle cars, pony cars
Collector Trucks
C10s, F-100s, vintage pickups, custom builds
Vintage Motorcycles
Harley-Davidson, Indian, BSA, Triumph, vintage European
Classic RVs & Motorhomes
Vintage motorhomes, travel trailers, converted vehicles
Exotic & Specialty Vehicles
Porsche, Ferrari, Lamborghini, limited-production models
Custom & Modified Vehicles
Hot rods, restomod builds, custom fabrications
How to Get Your Navy Federal Appraisal
Submit Online
Fill out our appraisal form with your vehicle details and upload photos. Takes about 5 minutes.
We Research
Shawn researches comparable sales, market data, and condition factors specific to your vehicle.
Same-Day Delivery
Your certified appraisal is emailed the same day — ready to submit directly to Navy Federal.
Loan Approved
Navy Federal loan officers accept our reports. Your loan moves forward without delays.
Flat $149 — No Hidden Fees
One price covers all vehicle types and all loan amounts. Same-day delivery included. If your Navy Federal loan officer needs any clarification or addendum, we handle it at no extra charge.
Order Your Navy Federal AppraisalNavy Federal Appraisal — Frequently Asked Questions
Also accepted by these lenders