LOW RATES. SPEEDY PROCESS. EFFORTLESS SHOPPING.

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.

*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 1/1/24 – 12/31/24. A loan amount of $25,000 with an APR of 6.94% and a term of 60 months would have a payment of $496.29. 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.

New Auto


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

*The 90 days to first payment applies to Golden 1 Auto loans with up to 84 month terms, for well-qualified buyers, on vehicles up to 10 model years old. Maximum loan amount is $75,000. Interest will accrue during deferment period from the loan origination date. The 90-day deferral is not eligible for our cash out refinances.
As low as 6.79% 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:

*The 90 days to first payment applies to Golden 1 Auto loans with up to 84 month terms, for well-qualified buyers, on vehicles up to 10 model years old. Maximum loan amount is $75,000. Interest will accrue during deferment period from the loan origination date. The 90-day deferral is not eligible for our cash out refinances.
As low as 6.94% 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.

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.

FAQ


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.

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