Enterprise Car Sales + Star One Car Loans
Bringing you the biggest savings for purchasing a pre-owned vehicle.
Star One now partners with Enterprise Car Sales to bring you savings and convenience all year long.
Choose from thousands of low-mileage used vehicles with the technology and features you want. You will enjoy:
- Haggle-free buying—most prices lower than Kelley Blue Book Retail Value
- Trade-ins get great value and competitive pricing
- 12-month/12,000-mile powertrain warranty1
- 12-month roadside assistance2
- 7-Day Buyback if you change your mind3
- Free CARFAX® Vehicle History Report™
- Enterprise Certified™ (each vehicle goes through a rigorous inspection by an ASE-certified technician)
Shop used cars now:
"I wasn’t planning on buying a vehicle today but this was too good to pass up. Thank you all so much!"
"I want to say that this entire experience with Star One so far has been one of the best. Professional, quick, competent."Quick car financing and preapproval
- Members and non-members. Apply for a Star One car loan online for an instant preapproval.
Online Loan Application
Used Car Loan Rates
Loans $30,000 or more
Annual Percentage Rate Range
3.35
%
- 7.35
% *
Monthly payment: $13.38 - $15.27 per $1,000, Fixed rate, 7 years maximum term
Loans Under $30,000
Annual Percentage Rate Range
3.55
%
- 7.55
% *
Monthly payment: $13.47 - $15.37 per $1,000, Fixed rate, 7 years maximum term
* Your APR based on credit qualification.
- Not a Star One member yet? Learn the value of a Star One membership
- Check your FICO® Score (free)
- Calculate your car payment: Car Loan Calculators
- Shop for your favorite vehicle: Find a Car Online
- Lower the interest rate on a current Star One car loan
Major Mechanical Protection provides financial protection against the costs associated with many mechanical breakdowns that normally fall outside of the manufacturer's warranty, and/or after the warranty has expired. Most people own their vehicles far beyond the terms of the factory warranty. Without Major Mechanical Protection (MMP), you may experience costly repairs and decreased resale or trade-in value of your vehicle.
With the average family driving 18,000 to 20,000 miles per year, the vehicle may be out of manufacturer's warranty in less than two years. MMP covers the costs of many major repairs, such as the engine, transmission, drive axle, fuel delivery system, and electrical, just to name a few.
View our Major Mechanical Protection PDF brochure.
Vehicle Coverages
MMP is available on new and used vehicles. Deductibles range from $0 to $50 to $100. Four different plans are offered:
- Platinum
- Gold
- Silver
- Copper
New Vehicle Eligibility Guidelines
- Current model year plus 4 previous years
- Vehicles outside manufacturer's warranty or purchased more than 21 days ago will be subject to a 30-day and 1,000-mile claims waiting period
- Up to 90,000 miles
Used Vehicle Eligibility Guidelines
- Platinum, Gold and Silver coverage—Current model year plus 9 previous years and up to 150,000 miles
- Copper coverage—Current plus 14 prior model years and unlimited mileage (vehicles older than 10 model years are subject to exception review). Maximum claims payout $3,500
- Vehicles outside manufacturer's warranty or purchased more than 21 days ago will be subject to a 30-day and 1,000-mile claims waiting period
Exclusions and deductibles may apply.
Guaranteed Asset Protection (GAP) with PowerBuy covers the difference between your loan balance and the amount your insurance policy would pay out if your vehicle were to be damaged beyond repair ("totaled") or stolen and never recovered. Your insurance policy will pay you the cash value of the vehicle, while GAP coverage is paid when the loan balance is higher than the vehicle's actual cash value paid by your insurer.
In addition, with PowerBuy, you may be eligible for up to $6000 toward the financing of a replacement vehicle (autos and motorcycles) if the vehicle is financed through the Credit Union within 90 days of settlement. See our GAP PowerBuy PDF brochure.
For boats and recreational vehicles, the benefit is up to $1000 toward the financing of a replacement vessel/vehicle if the vehicle is financed through the credit union within 90 days of settlement.
View our Guaranteed Asset Protection PDF brochure.
Protection Benefits
- Protects your credit rating
- Eliminates or reduces out-of-pocket expenses for the remaining loan balance after a loss settlement
- You may purchase a replacement vehicle sooner because there is little or no carry-over balance
- Maximum benefit:
- Motorcycles: $50,000
- Automobiles: $100,000
- RVs and boats: $125,000
- May be purchased up to one year from effective date of loan
Exclusions and deductibles may apply.
Credit Life and Disability Insurance protects your loan. Even if you have life insurance, other unfortunate circumstances could impact your monthly income. Having the peace of mind that your loan payment will be made, should you become disabled due to injury or illness, is worth the minimal cost added to your loan payment.
View our Credit Life and Disability PDF brochure.
Maximum Coverage Limits
| Level Rate | Disability | Life |
|---|---|---|
| Coverage Amount | Unlimited | $50,000 per loan |
| Termination Age | 70 | 70 |
| Coverage Duration | 120 months | 120 months |
| Monthly Benefit Amount | $750.00 per loan | Not applicable |
Who is Eligible and How Much Does it Cost?
| Level Rate | Disability | Life |
|---|---|---|
| Eligibility Age | Under age 70 | Under age 70 |
| Working Requirements | Actively at work a minimum of 30 hours per week on the loan advance date | Not applicable |
| Single Rate | $2.00 per $1,000 per month | $0.69 per $1,000 per month |
| Joint Rate | Not applicable | $1.16 per $1,000 per month |
* Your annual percentage rate (APR) may be higher based on credit qualifications. The rate shown includes a 0.20% rate discount for financing $30,000 or over (does not apply to existing Star One auto loans). The range of APRs is 3.55% to 7.55% for loans under $30,000 and 3.35% to 7.35% for loans $30,000 and over. A sample payment on an 84-month loan at 3.55% APR is $13.47 per $1,000. A sample payment on an 84-month loan at 3.35% APR is $13.38 per $1,000. Rates are subject to change without notice.
1. Limited Powertrain Warranty begins on the vehicle purchase date & extends for 12 months or 12,000 miles, whichever comes first. Coverage runs concurrently with manufacturer warranty.
2. Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) & its affiliated clubs in the U.S. & Canada.
3. For a period of 7 days after the date of purchase or 1,000 miles beyond the odometer reading at purchase, whichever comes first, the vehicle may be returned for the exact price originally paid minus a $200 restocking fee, as allowed by law.