Know Your Numbers Before You Shop
Getting preapproved puts you in control. With your loan amount, interest rate and monthly payment in hand, you can compare dealer offers against the financing you already have. That makes it easier to spot add-ons that don't fit your needs or budget and avoid making decisions under pressure.
GET PREAPPROVEDA Loan You'll Feel Good About
Start with a competitive rateGet a great rate on a new or used car. |
Make no payments for 90 daysKeep more cash on hand for the first few months after you buy.1 |
Take built-in payment breaksSkip up to one payment a year and up to three times over the life of your loan.2 |
Be rewarded for on-time paymentsEarn a 0.50% rate reduction for making 12 timely payments.3 |
Shop with your preapprovalUse your Credit Union financing at 600+ FastTrack dealers. |
Get coverage for the unexpectedAdd extra protection to your loan for an accident, unemployment or repairs. |
for new cars†
for used cars†
Find Your Car, Your Way
FastTrack
Shop at 600+ FastTrack dealers who will connect your car to Credit Union financing.
Enterprise Car Sales
Buy a quality used vehicle that's been rigorously inspected by certified technicians.4
Autoland
A personal consultant does the shopping for you and can deliver your car to your local branch.
TrueCar
See price ratings and what other buyers paid for the car you want before you visit the dealer.
Add Coverage Without Adding Another Payment
Designed for life's what-ifs
Choose affordable protection products you can include with your car loan to cover unexpected events.
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If your car is damaged beyond repair or stolen — GAP Plus covers the difference between what your insurance pays and remaining loan balance.
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If you need to manage unexpected repairs — Mechanical Repair Coverage offers coverage for some repairs beyond regular maintenance.
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If your income is interrupted — Payment Shield Plus cancels your loan payments if you become unemployed or disabled.
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- Does not apply to the refinance of existing SchoolsFirst FCU auto loans or cash-out refinance loans and is nontransferable. The "90 day no payment" period cannot be combined with other payment skip programs to extend the first payment due date longer than 90 days from funding. Interest begins to accrue immediately and the 90 days of interest will be collected through the first payment. As a result, you may pay higher total finance charges on the loan than if payments began earlier.
- Subject to approval. Interest will continue to accrue during the skip payment period. Must have made the last 12 consecutive loan payments on time or, if "No Payment for 90 Days" was added, must have made nine consecutive loan payments on time. All loan and share accounts must be in good standing. Valid on select auto loans. Program subject to change or cancellation. Limited to one skip per 12 months.
- Not available on eligible loans approved at the lowest APR offered. Rate may be reduced by 0.50% increments after 12 consecutive on-time payments. Maximum rate reduction will not exceed lowest APR offered at the time of funding. Restrictions apply to the maximum number of rate reductions. Monthly payment will remain the same, with additional money applied as per the Loan and Security Agreement. This may shorten the term of the loan and total interest paid over the life of the loan.
- Used vehicles were previously part of the Enterprise rental fleet and/or an affiliated company's lease fleet or purchased by Enterprise from sources including auto auctions, customer trade-ins or from other sources, with a possible previous use including rental, lease, transportation network company or other use.
- APR = Annual Percentage Rate. All loans subject to approval. Lowest rates reflect a 0.75% discount for payment by automatic transfer from your SchoolsFirst FCU Share Savings or Share Draft Checking account.