FAST PROCESS, LOW RATES. DRIVE HAPPY!

Choose the auto loan that's right for you.

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When buying or refinancing, you're in the driver's seat.

Golden 1 auto loans are loaded with features to get you the best deal. Our low rates, flexible terms, and no-pressure approach to financing help get you on the road fast, in the vehicle you want. Buying a car is easy with Golden 1. Get your loan pre‑approval today!

REFINANCE WITH UP TO $500 CASH BACK* – ACT NOW!


Now is a great time to lower your monthly car payment by refinancing your loan! Bring us your existing loan from another lender to find out how much you can save. And for a limited time we’ll give you a 1% rebate, up to $500. Application must be completed by September 30, 2020.
Keeping more of your hard-earned money sets you free to decide! You can build your savings or enjoy more summer fun. The possibilities are endless!


Apply today

* Offer is valid for an existing auto loan with another lender that is refinanced with Golden 1 and has an application date between July 1, 2020 and September 30, 2020. Existing Golden 1 auto loans are not eligible for offer. Limited to used vehicles nine model years old or newer. Contact the credit union for terms on auto loans for vehicles ten years old or older. Rebate amount is determined by the loan amount funded. Rebate will be deposited directly into your share account on the first business day following loan funding. You are responsible for paying any and all applicable taxes. Annual 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.

New Auto


Secure the best deal possible on a new car with our low rates – obtaining a pre‑approval is fast and easy.

 
As low as 2.99% 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. Not available to refinance an existing Golden 1 auto loan.

Used Auto


Walk into the dealership with more negotiating power with our loan pre‑approval! Applying is simple.

 
As low as 3.24% 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. Not available to refinance an existing Golden 1 auto loan. 

Enterprise Car Sales 4th of July Event: July 1-12

Golden 1 partners with Enterprise Car Sales to offer you great deals on certified used vehicles with financing options to fit your needs. With your Golden 1 membership you can get a great rate and added trade-in value of your car!

  • A low rate, flexible term Auto Loan from Golden 1 Credit Union
  • 1% APR off your auto loan rate1
  • PLUS Enterprise will appraise your vehicle using Kelley Blue Book® Trade-In value and add $1,000!2

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

Enterprise Car SalesEnterprise Car Sales

1APR=Annual Percentage Rate. 1% off your approved auto loan rate with a max loan term of 60 months. A representative example of payment terms are as follows: a loan amount of $24,000 with an APR of 2.74% and a term of 60 months would have a payment amount of $429.14. 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. Offer valid only on Enterprise Car Sales vehicles purchased from 1/1/20 – 12/31/20. This offer cannot be combined with any other offer. 

2Kelley Blue Book Trade-In Values used by Enterprise are obtained from ©2020 Kelley Blue Book Co.’s website KBB.com. Kelley Blue Book Trade-In Value is based on accurate condition rating & mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Kelley Blue Book Trade-In Value. Kelley Blue Book valuation adjustments for vehicle mileage disproportionate to the age of the vehicle may be capped by Enterprise Car Sales at 20% of the vehicle’s base value. If a Kelley Blue Book Trade-In value is not available for customer’s vehicle Enterprise will provide a fair & competitive value for customer's vehicle. Additional trade-in value of $1,000 is available only on passenger vehicles & light duty trucks, with a Kelley Blue Book Trade-In Value & when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration & all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Restrictions apply. See a Sales Consultant for details. Offer void where prohibited including AK, HI, KY, LA, MD, NE, NM, OK, OR, SC, TX, VA & Washington, D.C. Offer valid from 7/1/20 – 7/12/20. No cash advances. Offer cannot be combined. Not valid on previous purchases.

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™

Let us help you find your next vehicle and lock in low, pre-arranged pricing, with the added benefit of Golden 1’s great rates and up to 100% financing1. All at no cost to you.

Why choose this program?

  • Hand-selected dealerships provide a professional, no-pressure environment
  • It’s affordable and easy with low, pre-arranged pricing on new and pre-owned vehicles that can be combined with manufacturer rebates
  • Dedicated Auto Pricing Specialists are available to assist you throughout the buying process
  • Low Golden 1 loan rates, and up to 100% financing for new and pre-owned autos, RVs, and motorcycles2
Find a CarFind a Car

1Annual 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.

2Actual 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.

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.