Out-of-this-world Auto Loan Rates
AUTO LOAN RATES
Whether you’re buying a new car, a used car or refinancing your current loan – NASA Federal auto loan rates are among the best in the galaxy.
Effective as of October 1, 2025. Rates and terms subject to change without notice.
| Term | Loan Amount | APR1 as low as |
|---|---|---|
| Up to 36 Months | $5,000-$125,000 | 5.19% |
| 37-63 Months | $10,000-$125,000 | 5.79% |
| 64-75 Months | $15,000-$125,000 | 6.64% |
| 76-84 Months | $20,000-$125,000 | 7.49% |
For updated information, inquire at any branch office, send us a secure message via Online Banking or the mobile app, or call 1-888-NASA-FCU (627-2328).
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More About Auto Loan Rates
If you’re shopping around for car loan rates, understanding the factors that influence them can help you make smarter financial decisions. Below, we break down key considerations and offer tips to help you qualify for the best rates available.
New vs. Used Car Rates
NASA Federal auto loan rates are the same for new and used vehicles up to 5 years old. Generally, new vehicle loan rates are lower due to manufacturer incentives and lower risk for lenders. Used car loans may carry slightly higher rates, but they can still be competitive, especially for borrowers with good credit. For example, auto loan rates for used cars with good credit may fall within a favorable range, depending on the lender and loan term.
Length of Loan Terms
Longer loan terms often come with higher interest rates. This is because extended repayment periods increase the lender’s risk. While longer terms can reduce your monthly payment, they may result in higher overall interest costs. Shorter terms typically offer lower rates and help you pay off your loan faster.
Tips to Qualify for the Best Rates
- Check your credit report and correct errors.
- Pay down existing debt to improve your debt-to-income ratio.
- Consider a co-signer if your credit is limited.
Opt for a shorter loan term or larger down payment.
Why Choose NASA FCU?
NASA Federal Credit Union offers:
- Competitive rates that often beat national averages
- Flexible terms and personalized service
- Exclusive member rewards and promotions
- Trusted support from a credit union with decades of experience
Select to Check Your New/Used Auto Rate
No Impact to Your Credit Score!
Select to Check Your Auto Refinance Rate
FAQs
How often do auto loan rates change?
Auto loan rates can change as lenders respond to shifts in the broader economic landscape. Key influences include Federal interest rate decisions, inflation trends, and changes in consumer demand. While NASA FCU strives to offer stable and competitive rates, it's always a good idea to check current auto loan rates before applying.
What is APR and how does it affect me?
Can I negotiate my auto loan rate?
Your rate is determine by several factors including your credit history, income, and loan amount. If you are looking to lower costs, consider increasing your down payment, opting for a shorter loan term, or applying with a co-signer.
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.
2Payment 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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