Auto Loans

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We Make Finding A Car Easy & Quick!

We offer lots of great rates and discount options to earn you rates as low as 5.49% APR¹  on new vehicles when you take advantage of up to three discount offers:
- 0.25% Green Auto discount on electric and hybrid cars. Save a little by doing your part to save the environment! Click here to see what cars qualify.
- 0.25% discount with Automatic Loan Payments from a First Entertainment Checking Account
- 0.25% discount for loan-to-value of ≤80%
- 0.25% discount for a current Auto Insurance policy with our subsidiary Media Benefits Insurance Services (MBIS)³
No payments for 90 days²
No prepayment penalties
Easy application process
Free pre-approvals
120% financing available^†

Get Pre-Approved Before You Shop

We make the application process as fast and painless as possible. Click the button below to get started.

Apply and Get Pre-Approved Now

Download Our Free Auto Buying Guide

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. Click here to learn more.

Protect Your Investment⁴

We can also help you with Auto Insurance³, GAP Insurance⁴, and Mechanical Breakdown Insurance⁵. A perk of your credit union membership is getting these services for less than you can typically find at a dealer or elsewhere!

Auto Loan Rates

Effective Date: July 3, 2023

Type Rates (APR) as low as Maximum Amount Financed Minimum Amount Financed Maximum Years to Repay^‡

NEW* (Not Including Rate Discounts) 6.24% up to 120% MSRP† $2,500 3 Years‡

6.49% up to 120% MSRP† $8,500 4 Years

6.74% up to 120% MSRP† $10,000 5 Years

6.99% up to 120% MSRP† $15,000 6 Years

7.49% up to 120% MSRP† $25,000 7 Years

USED** (Not Including Rate Discounts) 6.49% up to 120% RKBB† $2,500 3 Years‡

6.74% up to 120% RKBB† $8,500 4 Years

6.99% up to 120% RKBB† $10,000 5 Years

7.44% up to 120% RKBB† $15,000 6 Years

7.99% 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: Pre-owned vehicles with Wholesale Kelly 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, MBI, license, and service contract.

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

‡ Rate And Term Dependent on Loan Amount.

Type	Rates (APR) as low as	Maximum Amount Financed	Minimum Amount Financed	Maximum Years to Repay^‡
NEW* (Not Including Rate Discounts)	6.24%	up to 120% MSRP†	$2,500	3 Years‡
	6.49%	up to 120% MSRP†	$8,500	4 Years
	6.74%	up to 120% MSRP†	$10,000	5 Years
	6.99%	up to 120% MSRP†	$15,000	6 Years
	7.49%	up to 120% MSRP†	$25,000	7 Years
USED** (Not Including Rate Discounts)	6.49%	up to 120% RKBB†	$2,500	3 Years‡
	6.74%	up to 120% RKBB†	$8,500	4 Years
	6.99%	up to 120% RKBB†	$10,000	5 Years
	7.44%	up to 120% RKBB†	$15,000	6 Years
	7.99%	up to 120% RKBB†	$25,000	7 Years

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.

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.

¹APR = 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). 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.

²90-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 (also known as MBI) 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, AUTOLAND.COM, ADVOCAR, and DRIVING SATISFACTION are trademarks and service marks of Autoland, LLC. 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. 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.