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It covers required completion steps (member and co-borrower signatures, promissory note endorsement, full vehicle details including year/make/model/mileage/VIN), deposit rules, and key deadlines. The sheet defines eligible and ineligible vehicle types, establishes value and loan-to-value limits using NADA Retail Value, and provides validation and lien-recording guidance for both stateside and overseas transactions, including trade-in handling.",{"@graph":63,"@context":119},[64,80,102],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":41,"@type":70,"position":76},"https://docshare.wps.com/template/letters/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/preapproved-vehicle-loan-item-dealer-instructions-complete-validation-and-deposit-by-void-ninety-days-after/280284/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/preapproved-vehicle-loan-item-dealer-instructions-complete-validation-and-deposit-by-void-ninety-days-after/280284.png","ImageObject",442,249,{"name":88,"@type":89},"Ethan Miller","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-21","2026-09-16",true,{"@type":98,"interactionType":99,"userInteractionCount":101},"InteractionCounter",{"@type":100},"ViewAction",8,{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"What must the dealer verify on the preapproved vehicle loan item before depositing it?","Question",{"text":109,"@type":110},"Confirm the member-borrower (and co-borrower, if applicable) completes, signs, and dates the item on the front and endorses the “Promissory Note Instrument” on the reverse. Also ensure the vehicle description is fully completed (year, make, model, mileage, VIN).","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"What vehicle types and collateral uses are prohibited for this preapproved loan item?",{"text":114,"@type":110},"It cannot be used for consumer collateral loans where the vehicle is titled as commercial/business, salvaged, lemon, refurbished, or rebuilt. It also cannot be used to purchase recreational vehicles, classic/antique cars, multiple vehicles, airplanes, ATV/mopeds, jet skis, snowmobiles, or boats.",{"name":116,"@type":107,"acceptedAnswer":117},"When and how does a dealer validate the item and where is the Validation Code placed?",{"text":118,"@type":110},"Call 1-866-348-8946 to validate the item prior to deposit. After speaking with a Navy Federal representative, place the 4-digit Validation Code in the box titled “Validation Code,” which activates the item. Deposit the completed item no later than the “Void Ninety Days After” date shown on the front.","https://schema.org",{"og:url":78,"og:type":121,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":123,"canonical":78},"index,follow",{"doc_id":125,"site_id":56},280284,1789536198,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":88,"user_avatar":130,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":101,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":73,"language":136,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":61,"update_tm":126,"read_time":9},687207017582,"https://ap-avatar.wpscdn.com/davatar_994ba38a5ba835b3df7d355c54d3ed8d","Preapproved Vehicle Loan Item—Dealer Instructions  \nThe preapproved loan item that our Member-Borrower (Buyer) has presented to you (Dealer) in payment for a vehicle along with these instructions has been issued by Navy Federal Credit Union.  \nThis preapproved loan item may be deposited with your financial institution. Do not attach any documents to this item when you deposit it with your financial institution for payment.  \nA separate item will not be issued by Navy Federal for payment, as this loan item serves as your payment instrument.  \nTo receive prompt payment, your preapproval must not have been revoked and you must carefully complete the instructions provided below. Not following these instructions could result in your payment being rejected or delayed until the payment instrument has been completed correctly. As the Dealer, you must:  \n• Ensure that the Member-Borrower (Buyer) has completed, signed, and dated the item in the space provided on the front and has signed the “Promissory Note Instrument” on the reverse of the item. If there is a Co-Borrower noted on the item, the  \nCo-Borrower must also endorse (sign) the “Promissory Note Instrument” on the reverse of the item.  \n• Ensure that the vehicle description is completed in its entirety (year, make, model, mileage, and VIN) .  \n• This item has the following restrictions:  \n• It cannot be used for any consumer collateral loans where the title reflects the vehicle as commercial/business (including vehicles used for hire or taxi services), salvaged, lemon, refurbished, or rebuilt. Members who wish to purchase vehicles of this nature will have to qualify for the loan on signature or select another vehicle to purchase.  \n• It cannot be used to purchase recreational vehicles, classic/ antique cars, multiple vehicles, airplanes, ATV/mopeds, jet skis, snowmobiles, or boats.  \n• It must be used on a vehicle in which there is sufficient value to support the amount financed. The vehicle must have a value of at least 100% of the amount financed. The value is determined using the NADA Retail Value. To cover the additional costs of taxes, title charges, and tags, the loan may reach a maximum of 125% of the vehicle’s NADA Retail Value. Navy Federal reserves the right to reject any item in which the vehicle specified does not support the amount financed.  \n• ATTENTION, DEALERS: You must call 1-866-348-8946 to validate this item prior to deposit.  \nMonday-Saturday, 0700-midnight, EST Sunday, 0900-2000, EST  \n• Advise the representative that you are a Dealer and have a preapproved item.  \n• You will be asked for the 14-digit number at the top left and for the information about the vehicle (e.g. , year, make, model, mileage, VIN) .  \n• You will receive a 4-digit Validation Code from a Navy Federal representative, which should be placed on the item in the box titled “Validation Code.” This Validation Code will activate the item.  \n• Complete and sign the Dealer endorsement on the back of the item. The Dealer endorsement must match that of the Dealer printed on the front of the item.  \n• The purchase amounts, both numerical and written, must be accurate, identical, and legible.  \n• The amount of the item cannot exceed the “Not to Exceed”amount printed at the top of the item.  \n• Deposit the completed preapproved loan item with your financial institution no later than the “Void Ninety Days After” date shown on the front of the item.  \n© 2026 Navy Federal NFCU 478 (3-26)  \n• Dealers must comply with the titling/registration requirements of your state , recording a first lien in favor of:  \nNavy Federal Credit Union  \nPO Box 659027  \nSacramento, CA 95865  \nOverseas requirements: If the vehicle is overseas, please forward a copy of the military registration, foreign registration, copy of the bill of sale, or copy of the Manufacturer’s Statement of Origin (MSO) . Mail the copy in the enclosed green envelope, submit a copy of the title using the Document Upload Portal at: [https://digitalu","cbCaifn4UhDjkFkd","https://ap.wps.com/l/cbCaifn4UhDjkFkd","pdf",244653,"English","# Preapproved Vehicle Loan Item—Dealer Instructions\n## Dealer responsibilities before deposit\n## Eligibility restrictions and vehicle value requirements\n## Validation call, deadlines, and documentation rules\n## State lien recording and overseas submission requirements\n## Trade-in policy and loan matching guidance","[{\"question\":\"What must the dealer verify on the preapproved vehicle loan item before depositing it?\",\"answer\":\"Confirm the member-borrower (and co-borrower, if applicable) completes, signs, and dates the item on the front and endorses the “Promissory Note Instrument” on the reverse. Also ensure the vehicle description is fully completed (year, make, model, mileage, VIN).\"},{\"question\":\"What vehicle types and collateral uses are prohibited for this preapproved loan item?\",\"answer\":\"It cannot be used for consumer collateral loans where the vehicle is titled as commercial/business, salvaged, lemon, refurbished, or rebuilt. It also cannot be used to purchase recreational vehicles, classic/antique cars, multiple vehicles, airplanes, ATV/mopeds, jet skis, snowmobiles, or boats.\"},{\"question\":\"When and how does a dealer validate the item and where is the Validation Code placed?\",\"answer\":\"Call 1-866-348-8946 to validate the item prior to deposit. After speaking with a Navy Federal representative, place the 4-digit Validation Code in the box titled “Validation Code,” which activates the item. Deposit the completed item no later than the “Void Ninety Days After” date shown on the front.\"}]","Preapproved Vehicle Loan Item - Dealer Instructions - Complete Validation and Deposit by Void Ninety Days After | PDF"]