Can I refinance an existing NASA Federal auto loan?

You may refinance an existing NASA Federal loan once, provided you take a minimum of $1,000 in cash out at the time of refinancing.

How does vehicle age affect my refinance rate?

APR is 1% higher for model years 2016 to 2021 and 2% higher for vehicles older than 10 years compared to the floor rates.

All lenders

Best for: Older vehicles or high-mileage cars

NASA Federal Credit Union

NASA Federal Credit Union — Flexible refinancing options with no strict vehicle age or mileage limits.

Min credit

Not disclosed

APR

From 4.94%

Max vehicle age

Not disclosed

Max mileage

120k mi

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

"Not disclosed" means NASA Federal Credit Union does not publish this on their public site. "No restriction" means NASA Federal Credit Union explicitly states no limit.

Overview

NASA Federal Credit Union provides auto refinancing with rates effective as of October 1, 2026, starting as low as 4.94% APR. You can choose repayment terms ranging from 36 to 84 months for loan amounts between $5,000 and $125,000.…

What’s great

No strict mileage or vehicle age restrictions
Deferred payments for the first 60 days
Refinance from anywhere nationwide

What to know

Higher rates for vehicles older than five years
Minimum loan amount of $5,000 required

Eligibility

Minimum credit score	Not disclosed
APR range	Not disclosed
APR floor (as low as)	From 4.94% — minimum only; full range not published
Maximum vehicle age	Not disclosed
Maximum mileage	120,000 miles
Loan amount range	$5,000 – $125,000
Term length	36 – 84 months
States served	Not disclosed
Membership requirement	You can qualify for credit union membership by joining the National Space Society; the credit union will cover your first year's dues.

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from NASA Federal Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with NASA Federal Credit Union before applying.

[1]Auto Loan Refinancing - Lower Rates | NASA FCU — rates effective 10/01/2026 — NASA Federal Credit Union
https://www.nasafcu.com/personal/auto-rv-loans/auto-loans/auto-loan-features/refinancing
Last checked: October 2026
[2]Auto Loan Rates | NASA Federal Credit Union — floors as low as 4.94% APR — NASA Federal Credit Union
https://www.nasafcu.com/rates-and-fees/auto-loans/auto-loan-rates
Last checked: October 2026