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Auto Buying Guide

Road Map to Buying a Car!

If you’re looking to buy a car, we’ve developed an in-depth Auto Buying Guide to walk you through every step of the car-buying process. You’ll get a lot of mileage out of this easy-to-understand guide that will cover everything you need to know so you can drive away happy in a new or pre-owned auto. Just complete the simple form, and we’ll email the free guide to you!

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Get On The Right Track With Great Rates and Discounts

Your rate can be as low as 5.49% APR1 on new cars when you take advantage of up to three of the following discounts:

  • 0.25% Green Auto discount on electric and hybrid cars

  • 0.25% discount with Automatic Loan Payments from a First Entertainment Checking Account

  • 0.25% discount for loan-to-value of less than 80%

  • 0.25% discount for a current Auto Insurance policy with our subsidiary Media Benefits Insurance Services (MBIS)2

Start Your Auto Loan Application Here!

View Auto Rates

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 0.25% discount for Automatic Loan Payments made from a First Entertainment Checking Account; a 0.25% Green Auto discount is offered on US EPA Certified SmartWay vehicles, please visit the following website to see if your vehicle qualifies:; a 0.25% discount for a current Auto Insurance policy with Media Benefits Insurance Services (MBIS); or a 0.25% discount for loan-to-value of <=80% (excluding warranty & GAP). The maximum discounts a member may receive on any given auto loan is three (3). 5.49% APR (6.24% APR without discounts) is the preferred rate for New Auto Loans and 5.74% APR (6.49% APR without discounts) is the preferred rate for Used Auto Loans. The rate is subject to increase upon cancelation or cessation of the discount program. Proof of income and/or down payment may be required depending on the applicant's credit rating and other underwriting factors. The monthly payment for New Autos per $1,000 borrowed for 36 months at 5.49% APR is $30.19 (this rate includes three discounts), and at 5.74% APR is $30.30 for Used Autos (this rate includes three discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts may be applied to these rates. Minimum loan amounts include $2,500 for a 36-month term loan, $8,500 for a 48-month term loan, $10,000 for a 60-month term loan, $15,000 for a 72-month term loan, and $25,000 for an 84-month term loan.  

2 Insurance services offered through Media Benefits Insurance Services CA Lic. #0H99393, a DBA for Media Benefits Corp., which is a wholly-owned subsidiary of First Entertainment Credit Union.