Auto Loans that Make You Smile
AUTO LOANS
Explore our auto financing options and drive away with confidence.
Whether you're buying a new car, refinancing your current vehicle, or purchasing a leased car, NASA Federal offers flexible auto loan solutions with competitive rates and no prepayment penalties.
Types of Auto Loans Offered
No matter which vehicle loan you choose, no payment is required for 60 days,* terms are flexible, and rates are as low as 5.19% APR.1 That's smart. NASA smart.
Auto Purchase Loan
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 »
Auto Refinance Loan
Want a better auto loan? We may beat your rate. People who switched to NASA Federal saved an average of$1,128 per year!2 Apply today to see how much you could save.
Even CNN underscored recognized us as the best auto refinance lender in 2024!
Auto Loan Rates
Rates effective as of October 1, 2025. Purchase and refinance rates and terms below are subject to change without notice.
| Term | APR1 As Low As |
|---|---|
| Up to 36 months | 5.19% |
| 37-63 months | 5.79% |
| 64-75 months | 6.64% |
| 76-84 months | 7.49% |
Loan Application Process
1. Check Your Rate: Complete our online application and get your rate in just 2 minutes.
2. Get Pre-Approved: Receive a decision quickly and shop with confidence.
3. Submit Documents: Provide proof of income, residency, and vehicle details.
4. Loan Review: Our specialists will verify your information and finalize your loan terms.
5. Funding: Receive your funds to complete your vehicle purchase or refinance.
Benefits & Features of a NASA Federal Auto Loan
NASA Federal offers auto loans with low rates, flexible terms, and fast approvals.
- Use our helpful auto loan payment calculator to estimate 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.
- No prepayment penalties - pay off your loan early without fees.
- Members get discounted auto insurance as a benefit of membership.
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 2015 - 2020 are 1% higher and model years greater than 10 years (≤ 2014) 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 1/1/2025 – 5/31/2025, 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 5.79% APR for 63 months will have a monthly payment of $368.91.
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