Focus more on shopping, less on financing.

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Get more when you buy or refinance with Golden 1.

We’re here to help you get on the road fast in a vehicle that fits your lifestyle. You’ll love our low auto loan rates, variety of term options, and simple online application. 

As a Golden 1 member, you can save time by getting your auto loan application submitted right at the dealership. Once your loan is approved, you’ll be ready to take delivery of your vehicle and start enjoying California’s scenic roadways.

New Auto

Choosing Golden 1 for your next auto loan can lead to a more relaxed car-shopping and financing experience! You’ll enjoy:

As low as 5.09% APR*

*Annual Percentage Rate (APR). 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.

Used Auto

Golden 1 members can focus more on finding the right car, and less on finding the right loan. We can also refinance your auto loan from another lender to lower your payments or shorten your loan period. Our auto loans offer:

As low as 5.24% APR*

*Annual Percentage Rate (APR). 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.

Enterprise Car Sales

Another valuable benefit of your membership at Golden 1 – it opens the door to a simple, money-saving car shopping experience with Enterprise Car Sales. 

  • Choose from over 250 makes and models

  • Receive a 1.00% APR discount on your Golden 1 Auto Loan rate*

  • Trade in your old vehicle

  • Free CARFAX® vehicle history reports™

Find the vehicle that's perfect for you at one of the 22 Enterprise dealerships throughout California, or use the button below to start shopping conveniently online.

Enterprise Car SalesEnterprise Car Sales

*APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on collateral conditions, qualifications and creditworthiness. Financing for qualified Golden 1 Credit Union members. 1% off your approved auto loan rate with a max loan term of 60 months valid only on Enterprise Car Sales vehicles purchased from 1/1/22 – 12/31/22. A loan amount of $40,000 with an APR of 4.24% and a term of 60 months would have a payment of $742.77. This offer cannot be combined with any other offer. Used vehicles were previously part of the Enterprise rental fleet &/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. 

Golden 1 Credit Union Discount Auto Buying™

Save time and money on your next vehicle purchase. Our discount auto buying program1 offers low, pre-arranged pricing, with the added benefit of Golden 1’s affordable auto loan rates and up to 100% financing2

Additional advantages

  • Select dealerships that provide a professional, no-pressure environment

  • Low, pre-arranged pricing on new and pre-owned vehicles can be combined with manufacturer rebates for even greater savings

  • Dedicated auto pricing specialists to assist you throughout the buying process

  • Up to 100% financing for new and pre-owned autos, RVs, and motorcycles
Find a CarFind a Car

1Actual savings may vary based on vehicle purchased, dealer and location. A participation fee has been paid by the dealers. All new cars arranged for sale are subject to availability and a price pre-arranged with participating franchised new car dealer.

2Annual percentage rate (APR) may vary based on creditworthiness, collateral conditions and qualifications. All loans subject to approval and rates, terms, restrictions, and conditions are subject to change. Available only for the most creditworthy borrowers. Limited to new vehicles and used vehicles nine model years old or newer. Contact the credit union for terms on auto loans for vehicles ten years old or older.


There are no prepayment penalties for automobile loans (penalties could apply to other types of loans; refer to your loan documentation for details). Please note that making large, lump-sum payments will lower your principal balance, but will not advance your due date more than 60 days.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.