Auto Loans that Make You Smile
AUTO LOANS
Whether you’re buying a new car, a used car, or just refinancing your existing auto loan – a NASA Federal Auto Loan can put more money in your pocket. No payment is required for 60 days,* terms are flexible, and rates are as low
as 5.49% APR.1 That's smart. NASA smart.
Buying a new or used car?
Shop with NASA Federal negotiating power! Get pre-approved and a great rate before you head to the dealership.
Select to Check Your Rate
No Impact to Your Credit Score!
Select to Learn More »
Refinancing an existing loan?
We may beat your rate. People who switched to NASA Federal saved an average of $1,044 a year!2 Apply today to see how much you could save.
Even CNN underscored recognized us as the best auto refinance lender in 2024!
Rates effective as of December 1, 2024. Purchase and refinance rates and terms below are subject to change without notice.
| Term | APR1 As Low As |
|---|---|
| Up to 36 months | 5.49% |
| 37-63 months | 6.34% |
| 64-75 months | 7.19% |
| 76-84 months | 8.04% |
Choosing NASA Federal is a smart move. Here's why:
- We'll help you make the decision that's right for you – and your budget.
- Checking your rate is hassle free with fast, easy online pre-approvals.
- You'll have extra negotiating power with the NASA Federal pre-approval behind you.
Select to Check Your New/Used Auto Rate
No Impact to Your Credit Score!
Select to Check Your Auto Refinance Rate
Already applied? Check your application status here.
*The loan will still accrue interest during the 60-day deferral period.
1APR = Annual Percentage Rate. APR is based on an evaluation of creditworthiness, so your rate may vary. Credit approval required. Membership and eligibility requirements apply. The refinance of an existing NASA Federal Credit Union fixed-rate loan is permitted one time only with a required $1,000 cash out. Verification of current rate is required. The minimum that can be refinanced is $5,000. Rates are higher for older model cars. The APR for model years 2014 - 2019 are 1% higher and model years greater than 10 years (≤ 2013) are 2% higher than the quoted floor or as low as rates.
2Monthly payment reduction claim is based on average payment reduction our members experience with their new loan (same term or longer) disbursed between 1/1/2023 – 12/31/2023, compared to their prior monthly loan payments. Monthly payment reduction may result from a lower interest rate, a longer term or both. Your actual savings may be different.
Payment Example: A $20,000 auto loan financed with NASA Federal at 6.34% APR for 63 months will have a monthly payment of $374.05.
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Your savings federally insured to at least $250,000 and backed by the full faith & credit of the U.S. Government. NMLS #486583.
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