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TWO WAYS TO SAVE. YOU CHOOSE.

Reduce Your Rate or Get Cash Back

Reduce Your Rate.

Refinance and lower your rate by as much as 2%¹ on an existing auto loan. And, when you take advantage of our discount offers your rate could be as low as 1.74%APR.²

Apply with promo code BYR2021 by December 31, 2021.

Or Get Cash Back.

Put the brakes on high loan payments! Transfer your car loan to First Entertainment to get up to $150 cash back³ and lock in a rate as low as 1.74%APR.²

Apply with promo code SCB2021 by December 31, 2021.

Refi Your Auto Today!

New and Used Auto Loans

Look to your credit union when it's time to buy a new car or refinance an existing auto loan to lower your monthly payments. We offer:

Low, low rates!
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!

Click to Apply for Your Auto Loan

Auto Loan Rates

Effective Date: October 17, 2021

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%	up to 120% MSRP†	$2,500	3 Years‡
	2.49%	up to 120% RKBB†	$8,500	4 Years
	2.74%	up to 120% RKBB†	$10,000	5 Years
	3.19%	up to 120% RKBB†	$15,000	6 Years
	4.24%	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, 2022 to qualify. Must use promo code BYR2021 for this offer. Not valid with any other ongoing auto loan offer or promotion. Existing First Entertainment Auto Loans are ineligible for internal refinance.

²APR = Annual Percentage Rate; is effective as of 6/1/21. 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%. 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. Rate and term dependent on the loan amount. Rates and terms subject to change without notice. All loans subject to credit approval.

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.

³Cash back offer is available for auto reﬁnance loans only. The cash incentive will be direct deposited into the member's share account within 60 days of loan funding. If the loan pays off within two years of funding, the incentive amount will be deducted from the member's share account. Accounts must be in good standing to receive rebate. Some restrictions may apply. This offer is not valid on reﬁnances of existing auto loans with First Entertainment. Must apply by December 31, 2021, using promo code SCB2021; loan must fund by January 14, 2022 to qualify. Not valid with any other ongoing auto loan offer or promotion. Taxes due on cash back are the sole responsibility of the account holder. First Entertainment and its Representatives do not provide tax or legal advice. For such advice, please consult with a qualiﬁed professional. Offer subject to change without notice.

† 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.