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New and Used Auto Loans

A car loan with Astera Credit Union puts you in the driver's seat.

  • Overview
    • Competitive rates
    • Flexible terms
    • Up to $150*** cash back
    • 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.



    Save Money with Astera

    For a limited time, when you open a new consumer loan from Astera Credit Union or
    refinance any loan from another lender, you have the option to make no payments for up to 3 months.**** Get the funds you need now without having to make your first
    payment until this summer!

    Get Your Dream Payments

    Do you have the car of your dreams, but nightmare payments? Refinancing your auto loan can give you lower rates, lower monthly payments and free cash!***

    Loan Protection

    Astera has partnered with SWBC to bring you three amazing products to help you should times get hard. Learn how to protect your money from bumps in the road.

    "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.
  • Rates


    New 2022 & 2023 Model Year Lansing Made Autos

    12-36 MonthsAs low as 6.04% APR*
    37-48 Months As low as 6.34% APR*
    49-60 MonthsAs low as 6.74% APR*
    61-72 MonthsAs low as 7.04% APR*
    73-84 MonthsAs low as 7.24% APR*

    *APR= Annual Percentage Rate. Rates and terms are subject to change without notice.

    New/Used Auto & Motorcycles >499CC

    12-36 MonthsAs low as 6.29%APR*
    37-48 MonthsAs low as 6.59%APR*
    49-60 MonthsAs low as 6.99%APR*
    61-72 MonthsAs low as 7.29%APR*
    73-84 MonthsAs low as 7.49%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.

  • FAQs

    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.

    1. Apply Online
    2. Apply by Phone
      • Call us today at 800-323-0048 and a Member Specialist will walk you through the steps to apply over the phone.
    3. Apply in Person
      • Stop by any of our branches and speak to a Member Specialist to get help on your application

    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.

Ready to get behind the wheel of a new car?

We've got all of your auto loan needs covered.

Apply Now

*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.

***Up to $150 cash back. The cash back bonus will be available to qualified members who refinance an existing loan from another lender. A $150 cash back bonus will be awarded for a loan amount of $10,000 or more. Cash back bonus will be awarded per qualified loan (not one bonus per borrower), and will be deposited into the member’s share account after the loan is approved and funded. Rate is subject to credit union guidelines and credit score. Certain additional restrictions may apply.

*****This is a limited time offer. Subject to change without notice. Payments may be deferred up to 3 months. Interest will accrue during the 3 month  referment period. Offer does not apply to current Astera Credit Union consumer loans. Eligible loan types include auto, recreational vehicle, and personal. Certain additional restrictions may apply.