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Auto Loans that Make You Smile


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 5.74% 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.

Rates effective as of July 1, 2024. Purchase and refinance rates and terms below are subject to change without notice.

View the annual percentage rates for auto loans with terms ranging from 36 to 84 months
TermAPR1 As Low As
Up to 36 months5.74%
37-63 months6.84%
64-75 months7.69%
76-84 months8.54%

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No Impact to Your Credit Score!


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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.


image of silver four door sedan

Select to Check Your Rate

No Impact to Your Credit Score!


Select to Learn More »


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

No Impact to Your Credit Score!


*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 6.84% APR for 63 months will have a monthly payment of $378.76.

Confidential information such as account numbers and social security numbers should not be sent by email for security reasons. Instead, please contact us directly at 1-888-NASA-FCU, send us a secure message through Online Banking or Mobile Banking, or visit your nearest branch.

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