- Competitive rates
- Flexible terms
- 0.25%** rate discount for auto pay
New and Used Auto Loans
Whether you’re ready to buy a new car, or are just looking to refinance your existing car loan from another lender, Astera has options.
Monthly PaymentLoan Amount$Rate%Term Months
Get Your Dream Payments
Do you have the car of your dreams, but nightmare payments? Refinancing your auto loan can give you lower rates and lower monthly payments.
"When I applied for my first car loan they helped me out quick, then when I totaled that car, they got me a new loan without any issues."Octavio V.
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New 2022 & 2023 Model Year Lansing Made Autos
Term Rate* 12-36 Months As low as 7.04% APR* 37-48 Months As low as 7.24% APR* 49-60 Months As low as 7.54% APR* 61-72 Months As low as 7.74% APR* 73-84 Months As low as 8.04% APR*
*APR= Annual Percentage Rate. Rates and terms are subject to change without notice.
New/Used Auto & Motorcycles >499CC
Term Rate* 12-36 Months As low as 7.29%APR* 37-48 Months As low as 7.49%APR* 49-60 Months As low as 7.79%APR* 61-72 Months As low as 7.99%APR* 73-84 Months As low as 8.29%APR*
*APR= Annual Percentage Rate.Rates and term are subject to change without notice. Motorcycle >499cc must be financed for at least $5,000 and 36 months to earn the auto rate.
Frequently Asked Questions
We require full coverage insurance for an auto loan that Astera takes on as lien holders.
We have partnered with trusted insurance companies to offer you exclusive member discounts on products and services to meet your family's needs and budget.
We offer exclusive member discounts on
- Home and Auto Insurance
- Health Insurance
- Life Insurance
For more information, please visit our Insurance page!
If the loan is paid off with cash, we are able to sign off on the title and release it immediately. If a loan is paid off with a Cashier’s Check or Money Order, in most cases the title will also be released immediately. The title for a loan paid off with a personal check will be released once the check has cleared.
Click here to contact us. A Member Service Representative will get back to you as soon as possible. Or, you can contact us at 517-323-3644.
We offer three convenient ways to apply to refinance your auto loan.
Absolutely! Call us at 517-323-3644 or stop in to get pre-approved for an auto loan. Our pre-approvals are good for up to 30 days.
We offer competitive loans for new or used cars and trucks to get you back on the road in no time. Because we process loans in-house, you can expect quick decisions and efficiency. Consider getting pre-approved for better bargaining power, or refinance an existing non-Astera loan for a lower rate to save money! We do it all.
New and Used Auto Loans
A car loan with Astera Credit Union puts you in the driver's seat.
Ready to get behind the wheel of a new car?
We've got all of your auto loan needs covered.
*APR=Annual Percentage Rate. Rates and monthly payments featured are listed “as low as” and are subject to credit approval and credit score. Rates and terms are subject to change without notice. Please contact Astera Credit Union for latest rates. Some restrictions may apply.
**To be eligible for a 0.25% rate reduction, member must set up automatic payments from an Astera CU checking account.