Article | October 3, 2022


Buy & Borrow

Three friends sitting in a car smiling and laughing

You've been thinking about buying a car, and decided the time is now. You have a good idea of what car you want. You also know that inventories are low for both used and new vehicles, so you could face some challenges on the road to purchasing your next ride. Did you know that having your financing prepared in advance can help give you an advantage when you hit the dealer’s lot - and extra peace of mind?

It’s true, and Golden 1 can help. With our simple loan application, competitive rates, and partnerships with reputable car sellers, we're here to make car buying easier for you.

Exclusive Discounts Through Enterprise Car Sales
We work with Enterprise Car Sales to get members great deals on certified used vehicles, including a 1.00% APR discount on the interest rate when you finance with us.* “That’s the biggest benefit of using Enterprise – you’ll get that exclusive discount,” said Crystal Chandler, Golden 1’s Regional Production Manager, Dealer Services. “Plus, their pricing is set, so you don’t have to worry about negotiating. And there’s no big mark-up.”

Chandler noted that one reason we chose to partner with Enterprise is that the company stands behind its product. They even provide free CARFAX® vehicle history reports™. 

Easy Ways to Apply 
1. Ask your dealer - You can finance with us easily and conveniently at most dealerships! Or you can …
2. Apply directly with us quickly and simply!
 Apply online
Tap “Apply Now” on our mobile app
Call 1-877-GOLDEN 1
Visit a Golden 1 branch – by appointment or drop in

Put your search in gear.
Wherever you apply, you’ll get a great rate and options for payment terms that fit your needs, whether the loan is for a new or used car. The simple application process takes only about 10 minutes, and you’ll typically have a same-day approval.

“Our number one goal is to make sure our members get a great value and a wonderful vehicle buying experience,” said Chandler – noting that you don’t have to be an existing Golden 1 member to apply for a loan but will automatically become a member (and enjoy all the benefits of membership) if you’re approved. “We’re available seven days a week, so we can provide that Golden service!”

For more information about Golden 1 auto loans as well as links to the Enterprise Car Sales program, visit our Auto Loans page.

Other resources to help you prepare: 

Loan and Payment Calculators

Buying New or Used? (podcast)

Auto Insurance

How to Drive Away Happy (podcast)

All loans subject to approval. Collateral conditions and restrictions apply. Rates, terms, and conditions are subject to change and vary based on creditworthiness and other factors.

*APR=Annual percentage rate. Financing for qualified Golden 1 Credit Union members. 1% off your approved auto loan rate with a maximum loan term of 60 months valid only on vehicles purchased from Enterprise Car Sales. A loan amount of $25,000 with an APR of 6.64% and a term of 60 months would have a payment of $492.71. This offer cannot be combined with any other offer. 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.