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First Entertainment Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 5 Sep 2023
Fact checked

A quick review of First Entertainment Credit Union auto loans

First Entertainment Credit Union (FECU) logo

First Entertainment Credit Union (FECU) makes auto financing accessible to its members. Whether it’s for two wheels, four wheels, or water vehicles, you can secure low APRs with workable repayment terms. Additionally, First Entertainment has several rate discounts that can help you lower your rate and monthly payments.

Want to see what a First Entertainment auto loan will cost? Try the First Entertainment Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key First Entertainment Credit Union auto loan features

  • Minimum loan amount: As low as $2,500.
  • Maximum loan amount: Up to 120%.
  • Interest rates: From 4.99% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Rate discounts on electric and hybrid cars, automatic payments, and loan-to-value of ≤80%. Additional auto insurance discount with Media Benefits Insurance Services (MBIS).

FIRST ENTERTAINMENT AUTO LOAN OPTIONS

New and used vehicle loans

First Entertainment offers new and used auto loans with affordable interest rates and flexible terms extending up to 84 months. For as low as 4.99% APR, you can secure auto financing. Plus, the credit union offers multiple rate discounts on green vehicles, automatic payments, and loan-to-value of ≤80%.

Lifestyle loans

Whether you want a water cruise or an off-road adventure, First Entertainment also has loans for you. You can pick from a wide variety of vehicles – RVs, boats, motorcycles, ATVs, side-by-sides, and UTVs. RV and boat rates start as low as 6.90% APR with terms of up to 120 months. Meanwhile, motorcycle loans are as low as 5% APR, and off-road vehicles can start at 12.90% APR.

First Entertainment Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

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First Entertainment Credit Union

First Entertainment Credit Union auto loan

First Entertainment Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate First Entertainment Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a First Entertainment Credit Union auto loan

Eligibility criteria

Though First Entertainment doesn’t specify the requirements, you generally need to be:

  • A member of FirstEnt
  • 18 years old or legal to get auto financing
  • Employed or have a reliable source of income

To lift your chances of getting approved for a car loan, ensure you compare different lenders and options. This will help you find an auto loan that works best for your unique situation.

How to join First Entertainment

To join the FECU, you need to meet one of the following:

  • An employee or retiree of a company served by First Entertainment
  • A family member of an employee or retiree of a company served by FECU
  • Live, work, attend school, or worship in Los Angeles County, California
  • Eligible business and/or other legal entity in Los Angeles County, California

What you’ll need to have ready

When you apply for auto financing with First Entertainment Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide FECU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Note that each financial institution differs in its requirements. So, familiarizing yourself with the usual car loan documents needed can help you prepare ahead of time. And in turn, this will help you save time and get approved sooner.

Ways to apply for a FECU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 888-800-3328

Additional First Entertainment auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but your application may take one business day to a few weeks depending on your case.
  • Rate discounts: 0.25% rate discounts on electric and hybrid cars, autopay from a First Entertainment checking account, and loan-to-value of ≤80%. 0.25% auto insurance discount with Media Benefits Insurance Services (MBIS).
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Ways to repay: Online banking, mobile app, in person, and by mail.
  • Hardship program: Skip-a-pay available. (Learn more)

Vehicle restrictions and limitations

  • Maximum vehicle age: Unspecified.
  • Maximum vehicle mileage: Unspecified.
  • Other vehicle restrictions: Unspecified.

PROS AND CONS

Pros

  • Low interest rates for qualified borrowers.
  • Flexible repayment terms.
  • Pre-approval available.
  • No payments for 90 days.
  • No prepayment penalties.
  • Up to 120% financing available.
  • 0.25% rate discounts on electric and hybrid cars.
  • 0.25% discount using autopay from a First Entertainment checking account.
  • 0.25% rate discount for borrowers with ≤80% loan-to-value ratio.
  • 0.25% insurance policy discount with MBIS.
  • Car-buying service through Autoland.
  • Cheaper auto insurance, GAP insurance, and mechanical breakdown insurance.

Cons

  • Membership limitations.
  • Undisclosed loan fees.
  • Auto leases unavailable.
  • Vehicle requirements unspecified.

Frequently asked questions

Does First Entertainment offer leases for vehicles?

No. But you can reach out to Autoland at 800-234-6999 or 888-800-3328 for assistance.

How much interest does First Entertainment Credit Union charge on auto loans?

Remember that your APR is subject to credit approval and your overall loan. For new car loans, rates start at 5.74% APR, while used car loans begin at 5.99% APR.

Does First Entertainment do out-of-state auto loans?

Yes. However, you need to purchase from a dealer instead of a private party.

How to apply for a FECU vehicle loan?

You can apply online, through online banking or the mobile app, in a branch near you, or over the phone.

Is there a minimum credit score to get approved for an auto loan?

FECU doesn’t set a minimum credit score to get approved for vehicle financing. However, your application is affected by several factors, including your credit score.

Are there early repayment fees on First Entertainment CU vehicle finance?

None. FECU doesn’t charge prepayment penalties on auto loans.

Video: You belong at First Entertainment Credit Union

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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