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William D. (Senior Safety Instructor) and Kellie M. (Producer)

Auto Loans

GET ROLLING

with great rates and member benefits.

Buy your next auto in one take.

With discounts and exclusive member benefits, we make it easy to buy your next auto with the confidence that you’re landing the best deal.

Enjoy exclusive discounts.

Take advantage of rates as low as 6.24% APR1 on new vehicles when you lock in up to three discount offers:

Go Green

Play your part in clearing the air and tap into a 0.25% Green Auto discount on electric cars.

Automatic Payments

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

Loan-to-Value Savings

We know a smart purchase when we see one. Take a 0.25% discount for loan-to-value of ≤80% on your next auto.

Under One Roof

We provide a 0.25% discount for a current auto insurance policy with our subsidiary Media Benefits Insurance Services (MBIS)3.

The benefits

Check List

Free Pre-Approvals

We provide a free pre-approval to savvy shoppers who like to browse the lot with confidence.

Bag with Heart

No Prepayment Penalties

There is no penalty for paying down your car loan early with First Entertainment Credit Union.

Calendar

90-Day No Payment

Your new vehicle won’t cost you more. Enjoy no payments for 90 days2.

Dollar with Arrows

Robust Lending

120% financing available†. Roll debt on your existing vehicle into your new loan with ease.

View our auto loan rates.

New Auto Loans (Not 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.
*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)

6.99%

Maximum Years to Repay*

3 Years*

Minimum Amount Financed

$2,500

APR (as low as)

7.24%

Maximum Years to Repay*

4 Years

Minimum Amount Financed

$8,500

APR (as low as)

7.49%

Maximum Years to Repay*

5 Years

Minimum Amount Financed

$10,000

APR (as low as)

7.74%

Maximum Years to Repay*

6 Years

Minimum Amount Financed

$15,000

APR (as low as)

8.24%

Maximum Years to Repay*

7 Years

Minimum Amount Financed

$25,000

Used Auto Loans (Not 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. 
*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)

7.24%

Maximum Years to Repay*

3 Years*

Minimum Amount Financed

$2,500

APR (as low as)

7.49%

Maximum Years to Repay*

4 Years

Minimum Amount Financed

$8,500

APR (as low as)

7.74%

Maximum Years to Repay*

5 Years

Minimum Amount Financed

$10,000

APR (as low as)

8.24%

Maximum Years to Repay*

6 Years

Minimum Amount Financed

$15,000

APR (as low as)

8.74%

Maximum Years to Repay*

7 Years

Minimum Amount Financed

$25,000

Estimate your monthly payment

Calculated payments shown are for estimation purposes only. Actual loan payment amount will be disclosed at loan closing and may differ.

Insurance

As a member of First Entertainment, enjoy exclusive discounts on insurance services that are typically priced higher at dealerships or other providers. We offer Auto Insurance, GAP 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.

Autoland

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.

CUDL/AutoSMART

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.

FAQs

There are a few options. Both members and prospective members can apply online through https://www.firstent.org as follows:

  1. Select the “Personal” button on the homepage and click on “Vehicle Loans” under “CREDIT CARDS & LOANS
  2. Under “Auto Loans & Card Buying Services”, click on “LEARN MORE
  3. Click “APPLY NOW
  4. Begin your application process by filling out the requested information.
  5. Hit submit your application.

You can also apply by calling our Loan Experience Center at 888.800.3328 option 2 or by making an appointment at any one of our branches. Click on Book Appointment.

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

Apply for an Auto Loan today.

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Disclosures

1
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: https://www.fueleconomy.gov/feg/SmartWay.do; 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). 6.24% APR (6.99% APR without discounts) is the preferred rate for New Auto Loans and 6.49% APR (7.24% 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 6.24% APR is $30.53 (this rate includes three discounts), and at 6.49% APR is $30.64 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.
2
90-Day No Payment offer is optional and applies to qualified borrowers on Auto Loans. Interest will accrue from the date of loan disbursal. Other terms and conditions may apply.
3
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.
4
Purchase of Guaranteed Asset Protection (GAP) and Mechanical Breakdown Insurance (MBI) is optional. The purchase of these supplemental coverages will not affect your application for credit or the terms of any existing credit agreement with First Entertainment Credit Union. Eligibility requirements, conditions, and coverage exclusions may apply. Review your contract for a full explanation of the terms.
5
© CUNA Mutual Group, All Rights Reserved 2021 | MEMBER’S CHOICE ® Mechanical Repair Coverage is made available to you by CUNA Mutual Insurance Agency, Inc., and is powered by ForeverCar. It is insured by Virginia Surety Company, Inc. | MRC-3489303.2-0321-0423
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.  
CUDL AutoSMART.com is a service of CU Direct Corporation (“CUDL”), a credit union-owned service organization that helps participating credit unions serve their members’ auto buying needs. CU Direct Corporation 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 CU Direct Corporation and is not responsible or liable for any failure of the products or services advertised or provided. For more information, visit https://firstent.cudlautosmart.com/. First Entertainment Credit Union’s Privacy Policy does not apply to third parties.