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Saturday, February 21, 2026: Digital banking will undergo scheduled maintenance and will be inaccessible from 10:00 P.M. – 4:00 A.M. PST. We apologize for any inconvenience this may cause.

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Holiday Closure Notice: All First Entertainment Credit Union branch locations and our Member Experience Center will be closed February 16th in observance of Presidents’ Day. Digital banking services and surcharge-free ATMs will remain available 24/7.

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Saturday, February 7, 2026: Please note that our Member Experience Center and branches will have special hours and will be open from 9am – 1pm on Saturday, February 7th. We apologize for any inconvenience this may cause. Our digital banking and surcharge-free ATMs will remain accessible 24 hours a day, 7 days a week.

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Important Security Reminder: Your security is our top priority and phishing and spoofing schemes are on the rise. Please stay vigilant when someone calls you, scammers may disguise their phone number to appear… ... Read more

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James F. (Writer) and Adam L. (Marketing Partnerships)

Find Your Dream Vehicle

SHOP SMART

Drive happy.

Skip the dealership.

As the nation’s premier car-buying service for credit union members, Autoland1 makes it easy for you to get the car you want at a competitive price.

Let one of Autoland’s expert vehicle consultants show you how effortless shopping for the perfect car can be, from securing incentives and rebates to offering contactless delivery.

Autoland is available to guide you every step of the way with:

  • A new or pre-owned auto purchase;
  • Your current vehicle trade-in;
  • Options to search online, by phone, and in-person;
  • Expert advice on which car is right for you.

Get today’s best rate.

New Auto Loans (Including Rate Discounts)

APR* (as low as)

Maximum Years to Repay**

Minimum Amount Financed

NEW vehicles: Any current year or previous year models with less than 10,000 miles.

*APR = Annual Percentage Rate. This rate is effective per the effective date indicated above for Auto Loan Rates. Lowest advertised rate is based on creditworthiness and underwriting factors and includes a 0.75% discount off the effective date APR when you have direct deposits from a payroll provider of $1,000 or more per month into a Value Checking account and automatic loan payments made from the same account. You may also receive a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. Not all members will qualify for the preferred rate. Proof of income and/or down payment may be required depending on the applicant’s credit rating and other underwriting factors. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes both discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes both discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates.

**Rate And Term Dependent on Loan Amount.
Maximum Loan amount financed – NEW: up to 120% Manufacturer Suggested Retail Price (MSRP); USED: up to 120% Retail Kelly Blue Book (84 months max).

APR* (as low as)

4.74%

Maximum Years to Repay**

3 Years*

Minimum Amount Financed

$2,500

APR* (as low as)

5.24%

Maximum Years to Repay**

4 Years

Minimum Amount Financed

$8,500

APR* (as low as)

5.49%

Maximum Years to Repay**

5 Years

Minimum Amount Financed

$10,000

APR* (as low as)

5.74%

Maximum Years to Repay**

6 Years

Minimum Amount Financed

$15,000

APR* (as low as)

6.24%

Maximum Years to Repay**

7 Years

Minimum Amount Financed

$25,000

Used Auto Loans (Including Rate Discounts)

APR* (as low as)

Maximum Years to Repay**

Minimum Amount Financed

USED vehicles: Any vehicle that doesn’t match NEW vehicle requirements.

*APR = Annual Percentage Rate. This rate is effective per the effective date indicated above for Auto Loan Rates. Lowest advertised rate is based on creditworthiness and underwriting factors and includes a 0.75% discount off the effective date APR when you have direct deposits from a payroll provider of $1,000 or more per month into a Value Checking account and automatic loan payments made from the same account. You may also receive a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. Not all members will qualify for the preferred rate. Proof of income and/or down payment may be required depending on the applicant’s credit rating and other underwriting factors. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes both discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes both discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates.

**Rate And Term Dependent on Loan Amount.

Maximum Loan amount financed – NEW: up to 120% Manufacturer Suggested Retail Price (MSRP); USED: up to 120% Retail Kelly Blue Book (84 months max).

APR* (as low as)

4.99%

Maximum Years to Repay**

3 Years*

Minimum Amount Financed

$2,500

APR* (as low as)

5.49%

Maximum Years to Repay**

4 Years

Minimum Amount Financed

$8,500

APR* (as low as)

5.74%

Maximum Years to Repay**

5 Years

Minimum Amount Financed

$10,000

APR* (as low as)

6.24%

Maximum Years to Repay**

6 Years

Minimum Amount Financed

$15,000

APR* (as low as)

6.74%

Maximum Years to Repay**

7 Years

Minimum Amount Financed

$25,000

Insurance

As a member of First Entertainment, enjoy exclusive discounts on insurance services too! We offer Auto InsuranceGAP Insurance, and Mechanical Breakdown Insurance at competitive rates.

Additional Collateral Protection Insurance Notice:

Visit imcovered.com if you’ve received a letter from us regarding additional Collateral Protection Insurance for your existing First Entertainment loan.

FAQs

There are several convenient ways to apply.

Online (for members and prospective members):

  1. Visit https://www.firstent.org/personal/vehicle-loans/
  2. Click “Apply Now.”
  3. Complete the application and submit.

Through Online Banking (current members only):

  • Log in to your OLB.
  • Select “Open a New Account” and click “Apply for a Vehicle Loan.”

By Phone or In Person:

  • Call our Loan Experience Center at 888.800.3328 (option 3), or
  • Book an appointment at any of our branches through Book Appointment.

If the credit union holds an electronic title(paperless) the title will arrive directly from the Department of Motor Vehicle within 2-4 weeks.

If the credit union holds a paper title, a paper title will be forwarded to you within 2 – 4 weeks. Please be sure to contact the Department of Motor Vehicle at your earliest convenience to remove First Entertainment Credit Union as the legal owner.

Note: Please make sure the credit union and Department of Motor Vehicles has your most up-to-date address for the vehicle title to be sent from the Department of Motor Vehicles.

 

Not finding what you’re looking for? See all FAQs.

Apply for an Auto Loan today.

Get started online
Apply now
Make an appointment
Book Now

Schedule an appointment

What type of appointment would you like to book?

Video Appointment

Get personalized financial guidance from the comfort of your home with our convenient video appointment option.

Book Now

Phone Appointment

Discuss your needs directly with our team through a phone appointment.

Book Now

In-Branch Appointment

Skip the wait and get personalized assistance with your financial priorities in person at our branch.

Book Now

Disclosures

1
Autoland, LLC is an independent third-party automobile-buying service that is neither owned nor operated by First Entertainment Credit Union. The Credit Union does not endorse or guarantee the products, information, or recommendations provided by Autoland, LLC and is not responsible or liable for any failure of the products or services advertised. For more information, visit https://firstentertainmentcu.autoland.com/aboutus. Please note that First Entertainment Credit Union’s Privacy Policy does not apply to third parties.