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2.19 2.34

Get pre-approved and enjoy auto loan rates as low as:

CLTYPE0436|T7|Rate APR1 on a new car or CLTYPE0836|T7|Rate APR1 on a used car.

For an even lower rate, let Enterprise Car Sales2 help you find your next car. You’ll enjoy a 0.50% discount3 on your approved auto loan rate for the life of the loan when you finance with us.

We make it simple.

  1. Apply for an auto loan with us. See current rates.
  2. Work with your local Enterprise Car Sales dealer to help you purchase your next vehicle.
  3. At loan funding, we'll apply the 0.50% discount to your approved rate.

Have a pre-approved auto loan?
Visit an Enterprise Car Sales dealer and let them know you’re pre-approved for an auto loan for easy SchoolsFirst FCU financing on-site.

Your car-buying tool kit.

Find out Why Used Car Buying is on the Rise.

Read our post on Extra Credit, our financial education blog.

Create a comfortable budget.

See how much “car” you can afford by using our car loan calculator.

Take a payment break.

Delay your first payment by 90 days.4

Protect your car and loan, while saving money.

Get an estimate for Guaranteed Asset Protection (GAP) Plus with Deductible Assistance5 and Mechanical Repair Coverage6 with us so you can compare your options with others. 


Ensure you have the best possible auto insurance coverage at the best price with a complimentary review. Request an insurance quote.7



Log in to Online Banking to apply.

Call 800.462.8328

Monday through Friday, 7 a.m. – 7 p.m.
Saturday, 9 a.m. – 3 p.m.



APR = Annual Percentage Rate
All loans subject to approval.
SchoolsFirst FCU is not affiliated with Enterprise Car Sales.

  1. Rates quoted include a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account. Terms and conditions are subject to change. SchoolsFirst FCU auto loan rates range from 2.19% APR – 18% APR on new autos and 2.34% APR – 18% APR on used autos. Financing available up to 100% of the Manufacturer’s Suggested Retail Price on new autos (Kelley Blue Book Suggested Retail Value on used autos) or purchase price, whichever is less; plus tax, license, documentation fees, GAP Plus and Mechanical Repair Coverage.
  2. Used vehicles were previously part of Enterprise short-term rental and/or lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other.
  3. Rate discount only available for vehicles purchased through Enterprise Car Sales. Offer valid 11/8/21 – 1/12/22.
  4. Does not apply to the refinance of existing SchoolsFirst FCU auto loans or cash-out refinance loans, is nontransferable, and cannot be combined with other offers. First payment is due by the 90th day after funding. Finance charges begin to accrue immediately and are repaid over the life of the finance contract. As a result, you may pay higher total finance charges on the contract than if payments began earlier. The “90 day no payment” period may not be extended with participation in the “Summers Off” program; at least one payment is required to participate in the “Summers Off” program.
  5. Your purchase of MEMBER’S CHOICETM Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.
  6. Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., in FL, and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), all located at 175 West Jackson Blvd., Chicago Illinois 60604, 866-502-1868. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In CA, where Mechanical Repair Coverage is offered as insurance form MBIC-CA (08/16), it is underwritten by Virginia Surety Company, Inc. Coverage varies by state. Replacement parts may be used or remanufactured. Be sure to read the Vehicle Service Contract or the Insurance Policy which will explain the exact terms, conditions, and exclusions of this voluntary product. GAP, MRC-3871932.1-1021-1123
  7. CA Insurance License OI19344.