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NASA Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Updated 14 October 2023
Fact checked

NASA Federal Credit Union auto loans overview

NASA Federal Credit Union logo

Whether you’re buying a pre-owned or new vehicle or refinancing your current loan, NASA Federal Credit Union offers low-cost auto financing. Members can choose from rates as low as 6.24% APR and terms of up to 84 months. Additionally, NASA FCU auto loans are available throughout the Continental U.S.

Want to see what a NASA FCU auto loan will cost? Try the NASA Federal Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key NASA Federal Credit Union auto loan features

  • Minimum loan amount: $5,000.
  • Maximum loan amount: $125,000.
  • Interest rates: As low as 6.24% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

NASA FEDERAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

NASA Credit Union offers loans for purchasing and refinancing new and used vehicles. You can secure rates starting at 6.24% APR for up to 36 months. But if you want to stretch your repayments for up to 84 months, the starting rate is 9.04% APR.

Recreational vehicle loans

You can also apply for loans specifically for motorcycles, RVs, and boats. Rates begin as low as 7.34% APR. Depending on your loan term, you can borrow up to $125,000 and choose terms of up to 180 months.

NASA Federal Credit Union auto loan calculator

Loan Amount

$25,000

Term

60 months

NASA Federal Credit Union

NASA Federal Credit Union auto loan

Estimated Month Repayments
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
Get a low interest rate NASA Federal Credit Union auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a NASA Federal Credit Union auto loan

Eligibility criteria

NASA FCU doesn’t indicate the auto financing criteria, but you should usually be:

  • A NASA FCU member
  • At least 18 years old
  • A legal resident
  • Employed or have a stable source of income

Keep in mind that car loans are secured. So, other than meeting the requirements, make sure your budget is also ready to cover the expenses associated with your vehicle. This way, you avoid defaulting on your payments.

How to join NASA Federal

NASA FCU membership is open to:

  • Employees or retirees of NASA Headquarters, any NASA Center or Facility, or the National Academy of Sciences (NAS)
  • Employees or members of the 900 NASA Federal Credit Union partner companies or associations
  • Relatives or household members of current NASA Credit Union members
  • Complimentary one-year affiliated membership to the National Space Society (NSS)

What you’ll need to have ready

Personal details

When you apply for auto financing with NASA Federal Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide NASA FCU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

It helps to understand how to get a car loan, too. This will allow you to know what to expect so that you can prepare for your application. Along with preparation, you can make guided decisions to secure a favorable loan offer.

Ways to apply for a NASA Federal auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-888-627-2328

Additional NASA FCU auto loan details

  • Automatic payment: Available.
  • Loan approval times: Within 24 to 48 hours, but it may take longer if additional information is needed.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: $0.
  • Ways to repay: Online banking, mobile banking, over the phone, by mail, and in person.

Vehicle restrictions and limitations

  • Maximum vehicle age: As long as the vehicle is listed in the NADA Used Car Guide.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Classic cars, salvage vehicles, and auto leases ineligible.

PROS AND CONS

Pros

  • Competitive interest rates.
  • Longer repayment periods.
  • Quick turnaround time.
  • Finance up to 115% of the retail value as listed in the NADA Used Car Guide or Webcarbook MSRP.
  • Auto loans offered throughout the Continental U.S.
  • Co-applicants and co-signers allowed.
  • Convenient payment methods – online banking, mobile banking, over the phone, by mail, and in person.
  • Purchase and refinance available.
  • Online pre-approval offered.
  • No payment for 60 days.
  • Dealer and private purchases allowed.

Cons

  • Loan fees undisclosed.
  • Classic and salvage vehicle loans and auto leases not offered.
  • Membership required.

FREQUENTLY ASKED QUESTIONS

How much interest does NASA FCU charge on auto loans?

NASA Credit Union offers rates as low as 6.24% APR for new and used vehicles.

Are NASA Federal Credit Union auto loan interest rates fixed or variable?

NASA FCU’s vehicle loans have fixed interest rates.

What is the maximum term of a NASA Federal vehicle loan?

What is the maximum term of a NASA Federal vehicle loan.

Are the auto loans available in all 50 states?

You can finance vehicles with NASA Credit Union throughout the Continental U.S.

How to apply for an auto loan at NASA Credit Union?

You can apply online, by mail, fax, over the phone, or in a branch office.

How do I pay my car loan with NASA Federal?

You can pay your loan online, via mobile banking, over the phone, by mail, and in a branch.

How long does a NASA FCU car loan take to be approved?

Usually, you can expect a loan decision within 24 to 48 hours. Remember though that it’s possible to take longer if the credit union requires additional information.


Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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