Auto Loans

Home Loans & Credit Cards Vehicle Loans Auto Loans

girl peace sign car

Reduce Your Rate or Get Cash Back!

Refinance and lower your rate by as much as 2%¹ (use promo code BYR2022) on an existing auto loan or get up to $150² cash back (use promo code WCB2022). And, when you take advantage of our discount offers, your rate could be as low as 1.74%APR³. Two great offers, your choice!

Ready For A New Ride?

Are you in the market for a new or used vehicle? We can help you with everything from searching for a car to financing and protecting. Plus, with no payments for 90 days³ you'll have more time to savings!

Rates as low as 1.74% APR² with these discounts:
- 0.25% discount with Automatic Loan Payments from a First Entertainment Checking Account.
- 0.25% Green Auto discount to help save the planet.
- 0.25% discount for a current Auto Insurance policy with our subsidiary Member Beneﬁts Insurance Services.
Flexible terms up to 7 years
No prepayment penalties
Fast approval
Friendly, personal service from people who've got your back
120% financing available^†

Get Pre-approved before you shop!

We make the application process as fast and painless as possible. Start your application online now. If you've already found the vehicle you want or are looking to refinance, simply apply online in minutes and provide the vehicle details!

Protect Your Investment

Let us help with Auto Insurance, GAP Insurance, and Mechanical Breakdown Insurance. A perk of your credit union membership is getting these services for less than you can typically find at a dealer or elsewhere!

Get Pre-Approved Now

Auto Loan Rates

Effective Date: January 26, 2022

Type	Rates (APR) as low as*	Maximum Amount Financed***	Minimum Amount Financed	Maximum Years to Repay
NEW	1.74%	up to 120% MSRP†	$2,500	3 Years‡
	1.99%	up to 120% MSRP†	$8,500	4 Years
	2.24%	up to 120% MSRP†	$10,000	5 Years
	2.49%	up to 120% MSRP†	$15,000	6 Years
	3.49%	up to 120% MSRP†	$25,000	7 Years
USED**	2.24% to 1.74%	up to 120% MSRP†	$2,500	3 Years‡
	2.49% to 1.99%	up to 120% RKBB†	$8,500	4 Years
	2.74% to 2.24%	up to 120% RKBB†	$10,000	5 Years
	3.19% to 2.69%	up to 120% RKBB†	$15,000	6 Years
	4.24% to 3.74%	up to 120% RKBB†	$25,000	7 Years

¹Beat Your Rate offer is available for Auto Refinance Loans only. Some restrictions may apply. Loan must fund by January 14, 2023, to qualify. Must use promo code BYR2022 for this offer. Offer cannot be combined with any other rate discounts. Not valid with any other ongoing auto loan offer or promotion. Existing First Entertainment Auto Loans are ineligible for internal refinance. Rate and term dependent on the loan amount. Rates and terms subject to change without notice. All loans subject to credit approval, not all members will qualify.

²APR = Annual Percentage Rate. This rate is effective as of 1/1/22. 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: https://www.fueleconomy.gov/feg/SmartWay.do; and a 0.25% discount for a current Auto Insurance policy with Member Benefits Insurance Services (MBIS). 1.74% APR without discounts is 2.49% APR. Rate is subject to increase upon cancellation or cessation of the discount program. Amount financed may not exceed the MSRP or 120% of the high Kelley Blue Book/NADA value for New (120% for Used vehicles up to 10 years old), including tax, license, GAP Insurance, and Mechanical Breakdown Protection. Proof of income and/or a down payment may be required depending on applicant's credit rating and other underwriting factors. Monthly payment for New and Used Autos per $1,000 borrowed for 36 months at 1.74% APR is $28.53. This payment example is 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. Existing First Entertainment Auto Loans are ineligible for internal refinance. Rate and term dependent on the loan amount. Rates and terms subject to change without notice. All loans subject to credit approval, not all members will qualify.

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

USED Vehicles: Pre-owned vehicles with Wholesale Kelley Blue Book value exceeding $2,500. For used vehicles older than 6 years or with more than 100,000 miles, please call the credit union for current details and rates.

³90-Day No Payment offer is optional and applies to qualified borrowers on Auto Loans $10,000 or greater. Interest accrues during the deferred payment period, from the date of funding. Other terms and conditions may apply.

† Maximum Loan amount – NEW: up to 120% Retail Kelly Blue Book; USED: up to 120% Retail Kelly Blue Book (84 months max).

** NEW vehicles: Any current year or previous year models with less than 10,000 miles. USED vehicles: Pre-owned vehicles with Wholesale Kelley Blue Book value exceeding $2,500. For used vehicles older than 6 years or with more than 100,000 miles – Please call the Credit Union for current details and rates. .

***Sales Price includes purchase price, tax, GAP, license and service contract.

‡ RATE AND TERM DEPENDENT ON LOAN AMOUNT.

Rates and terms subject to change without notice. All loans subject to credit approval.

Autoland & CUDL

Apply for Your Auto Loan Today!

A Note About Additional Collateral Protection Insurance

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