Ent Credit Union

Beginning in 1957, the Ent Credit Union originated in the Ent Air Force Base, when some personnel decided to band together and look after one another. Slowly it grew, servicing more and more counties until covering a quarter of Colorado. It now has over 370,000 members.

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4 /5

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$ /mo

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How do Ent Credit Union auto loans work?

Ent Credit Union has some good rates for auto loans, as is often the case with credit unions.

They begin at 3.74% for a 60-month loan on a new car, and 4.74% for an 84-month term.

Older cars have a slightly higher rate, at 4.24% for a 60-month loan (the shortest).

Credit score

The rates above are the best possible based upon your creditworthiness, and maximum rates are stated (8.74% for a new car for 60 months).

This doesn't mean you’ll always get one of these rates, though, as if your credit rating is really poor, you won’t be approved.

How much can you borrow?

You can take a loan of up to 100% of the shelf price of a new or used vehicle, although you don’t have to take the full amount if you don't need it.

What types of vehicles are eligible for financing?

The auto loans cover quite a comprehensive mix of most road vehicles, with the exception of motorcycles and RVs.

You can cover these but with a different, more expensive loan.

How do I qualify?

You won't be able to become a member of the Ent Credit Union unless you meet certain stipulations.

To be permitted to join, you must live, work, worship or attend school in one of the following Colorado counties:

Adams
Arapahoe
Boulder
Broomfield
Denver
Douglas
El Paso
Elbert
Fremont
Jefferson
Larimer
Pueblo
Teller
Weld

What documents do I need?

Make sure that you have some proof of address, your SSN, and your driver’s license.

What are the fees?

It doesn't seem as though there are any late repayment fees charged at Ent, but these kinds of charges can sometimes be hidden away.

How long does the loan process take?

Applying is very easy: just fill in your details and expect to get approved within the day.

How to apply for an auto loan?

You can visit a branch to apply for the auto loan, as some people prefer, but there's really no need. The online form is effortless to complete.

What payment methods are supported?

You’ll have to pay by bank transfer or card unless you go into a branch.

Ent Pros and Cons

Pros

GAP insurance for your protection
Great rates and wide coverage

Cons

People outside of certain areas of Colorado won’t be eligible

Is the Ent Credit Union right for you?

The rates at Ent Credit Union are very attractive, and it covers a wide range of different options. It also has some offers which can help to protect the customer.

If you find yourself in the catchment area of Ent and are searching for an auto loan, it’s at least worth having a look.

Alternatively, you may want to try a lender with a wider audience and a stronger proven track record. If this is the case, try the Open Road lenders.

It has a focus on auto loans and services the whole country.