Must meet membership and account criteria. All loans subject to credit approval. APR = Annual Percentage Rate. APRs listed are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. Programs, rate, terms and conditions subject to change without notice. Financing up to 120% based on Manufacturer’s Suggested Retail Price (MSRP) for new vehicles. Rates and terms available on purchase, lease buyout or refinance. On refinances of Mission Fed Auto Loans, a fee may apply. First payment may be deferred up to 90 days for qualified members. Interest will accrue during the payment deferral period. Loan amounts and terms based on age, mileage and condition of vehicle. Restrictions apply.
Accept Your Offer in Minutes
You’re Pre-Approved. Let’s Get You on the Road.
Exclusive Auto Loan Offer
Shop with confidence—you’re already pre-approved for an Auto Loan with Mission Fed. Knowing your financing options ahead of time can help you stay within budget, simplify the car-buying process, and focus on finding the right vehicle. Whether you’re buying new or used, refinancing, or purchasing your leased vehicle, your pre-approval puts you in the driver’s seat.
Your offer is ready. Use it by August 31, 2026.
Auto Loan (2022 and newer)
Finance Your Next Car With Us
Apply Now| APR as low as | Months | Model Year | Est. Monthly Payment / $1,000 |
|---|---|---|---|
| 4.99% | Up to 36 | 2022 and newer | $29.97 (at 36 months) |
| 4.99% | 37 - 48 | 2022 and newer | $23.03 (at 48 months) |
| 4.99% | 49 - 66 | 2022 and newer | $17.37 (at 66 months) |
| 5.24% | 67 - 75 | 2022 and newer | $15.67 (at 75 months) |
| 5.24% | 76 - 78 | 2022 and newer | $15.16 (at 78 months) |
| 6.24% | 79 - 84 | 2022 and newer | $14.73 (at 84 months) |
Auto Loan (2017 - 2021)
Finance Your Next Car With Us
Apply Now| APR as low as | Months | Model Year | Est. Monthly Payment / $1,000 |
|---|---|---|---|
| 6.99% | Up to 36 | 2017 - 2021 | $30.87 (at 36 months) |
| 6.99% | 37 - 48 | 2017 - 2021 | $23.95 (at 48 months) |
| 6.99% | 49 - 66 | 2017 - 2021 | $18.30 (at 66 months) |
| 7.24% | 67 -75 | 2017 - 2021 | $16.62 (at 75 months) |
Must meet membership and account criteria. All loans subject to credit approval. APR = Annual Percentage Rate. APRs listed are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. Programs, rate, terms and conditions subject to change without notice. Financing up to 120% based on Retail Kelley Blue Book (RKBB) for used vehicles. Rates and terms available on purchase, lease buyout or refinance. On refinances of Mission Fed Auto Loans, a fee may apply. First payment may be deferred up to 90 days for qualified members. Interest will accrue during the payment deferral period. Loan amounts and terms based on age, mileage and condition of vehicle. Restrictions apply.
Want Help Finding the Right Car?
Skip the dealership stress with Autoland, Mission Fed’s concierge car-buying partner. They’ll help you find, negotiate, and deliver your car—new or used—plus you’ll save an extra 0.25% APR on your Mission Fed Auto Loan.
1 in 3 Easy Ways to Accept Your Pre-Approval
- Submit an Application
- Visit any Mission Fed branch
- Call us at 800.500.6328
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Will accepting my offer affect my credit?
Accepting your offer may result in a credit inquiry when your loan is finalized. Simply viewing your offer has no impact on your credit score.
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Can I use this loan at any dealership?
Yes, your Mission Fed Auto Loan can be used at any licensed dealership. Plus, if you buy through Autoland, you get an extra 0.25% APR discount.
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How does the Autoland discount work?
When you purchase your vehicle through Autoland, our trusted concierge partner, you’ll receive a 0.25% APR discount in addition to your existing offer. Autoland handles everything—from locating your car to negotiating the price and arranging delivery.
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Do I have to take the full loan amount?
No. Your approved amount is the maximum amount available to you—but you’re welcome to borrow less.
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What if I’m still deciding?
You have until June 30, 2026 to use your offer. Take the time you need to find the right vehicle—your rate and benefits are locked in until then.
You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 888-5-OPT-OUT (888.567.8688). See PRESCREEN & OPT-OUT NOTICE below for more information about pre-screened offers.
Maximum amount of financing is not to exceed 120% of the Manufacturer’s Suggested Retail Price (MSRP) or 120% of Retail Kelley Blue Book (RKBB).
Pre-Approval offer: Annual Percentage Rate may vary based on credit qualifications. Pre-approval is good through August 31, 2026, and is non-transferable. Offer good for primary member only. By responding to this offer, you understand that we may verify income, employment, and credit bureau information. If at the time of application, you do not meet the credit criteria previously established for this offer, or the income you report is insufficient based on your obligations, this pre-approval offer may not be granted. No branded titles or commercial use vehicles will be financed. A valid driver’s license and current insurance information are required at the time of financing. The Annual Percentage Rate discount will be applied at the time of loan funding. Offer estimate shown good only on model years 2022 and newer. If your vehicle is model year 2017 – 2021 your terms may be different than the offer estimate. Restrictions may apply.
Offer applies only to loans that you request directly with MissionFed.com, at a branch or by calling us. Loans must be funded directly with Mission Fed; loans or leases funded directly with dealerships or other non-Mission Fed companies DO NOT qualify for pre-approval offers. Not valid for borrowers upon request who opened a Mission Fed auto loan or lease within the last 120 days. All terms and stipulations of the offer MUST be met for the loan to qualify for the preapproval offer, for example, model years 2022 and newer, no commercial vehicles, etc.; see full terms and stipulations above.
Payment deferral: First payment may be deferred up to 90 days for qualified members upon request. Interest will accrue during the payment deferral period.
Payment example: Monthly payment is $607.95 on a $35,000 loan with a 66-month term at a rate of 4.99% APR.
PRESCREEN & OPT-OUT NOTICE: This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria including providing acceptable property as collateral. If you do not want to receive prescreened offers of credit from this and other companies, call the Credit Bureau Opt-Out. Program toll-free at 888-5-OPT-OUT (888.567.8688); or write to: Experian Consumer Marketing Opt-Out, P.O. Box 919, Allen, TX 75013.
All Terms and stipulations of the offer MUST be met for the loan to qualify for the pre-approval offer, for example, no branded titles or commercial use vehicles, etc.; see full terms and stipulations above.
Loan offer is an estimate based on date in your credit report. APRs listed are our best rates. Your rate may be higher based on your current history, the term you choose, and other qualifying criteria. This pre-approved credit offer may not extended if: (1) you no longer meet the minimum credit score and payment criteria used to select you for this offer; (2) you are delinquent on a loan or not in good standing with Mission Fed; (3) we are unable to verify your income or employment; (4) your employment or income is not sufficient to repay the credit offered; or; (5) the collateral does not meet our lending guidelines.