Man and woman in parking lot
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 up to 1% off your loan!

Take advantage of rates as low as 5.99% APR1 on new vehicles when you lock in these two discount offers2:

Direct Deposit and Automatic Payments

Enjoy a 0.75% discount by having direct deposit from a payroll provider of at least $1,000 a month into a Value Checking account and automatic loan payments from the same 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.

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 days3.

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.

Get started online
Apply now
Make an appointment
Schedule Now

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 0.75% discount off the effective date APR when you have direct deposits from a payroll provider of $1,000 or more per month into a Value Checking account and automatic loan payments made from the same account. You may also receive a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 5.99% APR (6.99% APR without discounts) is the preferred rate for New Auto Loans and 6.24% APR (7.24% APR without discounts) is the preferred rate for Used Auto Loans. Not all members will qualify for the preferred rate. Proof of income and/or down payment may be required depending on the applicant’s credit rating and other underwriting factors. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 5.99% APR is $30.42 (this rate includes both discounts), and at 6.24% APR is $30.53 for Used Auto (this rate includes both discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates.
2
If at any point during the life of your Loan you no longer meet the direct deposit or automatic loan payment requirements, we may terminate the APR discount, at our sole discretion, and increase your APR and payment to the original amount on your Loan Agreement accordingly. A grace period of up to 90 days will be provided to accommodate any gaps in employment and/or payroll changes.
3
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.
4
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.
5
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.
6
© 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.