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Auto Loans

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New, Used, and Refinanced Auto Loans

For most people, a stressful part of buying a vehicle may be the loan process - but not for our members. We're friendly, we understand the craziness of your business and we go out of our way to make you feel comfortable. Even better, we offer low rates and a lot of flexibility.

Dealer Financing - the Stuff Horror Movies are Made of

As a credit union member, you will enjoy these distinct advantages over that very unpleasant product called dealer financing:

  • Low, low rates!
  • A simple interest calculation with no prepayment penalties
  • Fast approval
  • Friendly, personal service from understanding people who've got your back

First Entertainment offers New, Used, and Refinance Auto Loans. Multi-year terms and 120% financing are available.

Apply in Minutes

We make the application process as fast and painless as possible. Here is everything you need to know about getting your next vehicle, all in one place:

  • Auto Loan Rates

    Effective Date: April 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** 1.74% up to 120% MSRP† $2,500 3 Years‡
    1.99% up to 120% RKBB† $8,500 4 Years
      2.24%/td> up to 120% RKBB† $10,000 5 Years
      2.69% up to 120% RKBB† $15,000 6 Years
      3.74% up to 120% RKBB† $25,000 7 Years

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

    USED vehicles: Non-new vehicles with Wholesale Kelly Blue Book value exceeding $2,500.

    *APR = Annual Percentage Rate; is effective as of 09/01/2020. 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; and a 0.25% discount for a current Auto Insurance policy with Member Benefits Insurance Services (MBIS). Rate is subject to increase upon cancellation or cessation of the discount program. Based on a 36-month term and 120% financing of retail Kelley Blue Book Value for pre-owned cars and 120% Loan-to-Value for new car purchase. Other Loan-to-Value requirements may apply. 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.

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

    ** 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.


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

Autoland & CUDL

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If You Don't Want to Deal with the Dealership, Autoland Can Do It for You

Autoland's experienced consultants have helped more than 200,000 credit union members find and finance the car of their dreams. Shouldn't you be next?

They make it easy for you to get the car you want, at the best possible price, without the stress of shopping on your own. Simply tell their Consultant the style and color car you're looking for (and don't forget the options) and they'll find you the best deal they can. No strings attached. No obligations. You have nothing to lose.

Click the button below or reach the Autoland Consultant at our Main Office on Forest Lawn Drive: 888.800.3328 x4436.

Visit Autoland to Get Started


We Can Help You Find Your Next Car, Truck, Van or SUV

We know people. Seriously. So, we've asked them to help us help you. We've put together some great information to help you in your search for that perfect ride - it's called CUDL/AutoSMART.

This service can help you get a real credit union auto loan, within minutes, right at the auto dealership of your choice ... even when First Entertainment is closed. No lie. “CUDL” stands for Credit Union Direct Lending®.

Visit the CUDL/AutoSMART Site

Researching a Vehicle - Real Tools You Can Use

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Fuel Economy

Learn about the unbiased fuel economy statistics on thousands of new and used vehicles.

Know the Facts

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Crash Test Ratings

Great information on the latest safety ratings for cars, trucks, vans and SUVs.

Get Started

A Note About Additional Collateral Protection Insurance

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