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Ent is the local option: Colorado's largest credit union, headquartered up the road from RefiJet's own Centennial offices, with member discounts and branch coverage across the Front Range. For a Colorado driver who values a lender they can walk into, Ent is the natural first quote.
It is deliberately regional. Membership requires a Colorado connection, the program list is mainstream (rate-and-term plus cash-out), and estimated pricing is competitive without chasing the national leaders. Local strength, honestly scoped.
4.6
800+ customer reviews
Our rating
Rates and fees
4.0
Estimated APRs from 5.39% with member discounts available.
Approval flexibility
4.0
Cash-out supported; standard credit union box from about 580.
Speed and ease
4.5
Typical funding in 2 to 5 days with local processing.
Membership and access
3.5
Colorado connection required: live, work, worship, or study in state.
At a glance
- Est. APR from
- 5.39%
- Est. APR by credit band
- Excellent 5.39% · Good 7.89% · Fair 13.24%
- Min credit score
- About 580
- Loan amounts
- $5,000 to $100,000
- Vehicle types
- Cars, Trucks & SUVs
- Vehicle limits
- Up to 10 yrs / 150,000 mi
- Terms
- 36 to 84 months
- Typical funding
- 2-5 days
- Availability
- CO only
- Special programs
- Cash-out
- How to join
- Live, work, worship, or attend school in Colorado
Representative estimates, not offers. Final terms come from the lender at underwriting.
Where Ent Credit Union prices against the network
Auto refinance rates step down in credit tiers, so the fastest way to judge a lender is to find your band and compare its estimate against the network as a whole. An illustrative payment makes the percentages concrete.
| Credit band | Ent Credit Union est. APR | Est. payment* | Network average |
|---|---|---|---|
Excellent 720+ | 5.39%Below avg | $476/mo | 5.42% |
Good 660-719 | 7.89%Below avg | $506/mo | 7.95% |
Fair 580-659 | 13.24% | $572/mo | 13.10% |
Rebuilding Below 580 | Not offered | · | 19.49% |
*Illustrative payment on a $25,000 balance over 60 months at the estimated APR shown. All figures are representative estimates, not offers; the network average is the mean of estimated APRs across the 9 lenders in the RefiMeNow network for each band. Your rate depends on underwriting.
See how the local option prices your loan
See my rateWhat it does well
- Colorado's largest credit union, statewide branches
- Member rate discounts
- Cash-out refinancing supported
- Local underwriting familiar with Colorado vehicles
Where it gives ground
- Colorado membership footprint only
- No lease buyout or co-signer programs
- No pricing for rebuilding credit
Ent Credit Union is a fit if
- Colorado drivers who want a local lender
- Borrowers who value branch access alongside digital
- Front Range commuters with mainstream vehicles
Look elsewhere if
- Anyone outside Colorado
- Lease buyouts and co-signer changes
Local, in the useful sense
A statewide credit union underwrites what it knows: Colorado incomes, Colorado vehicles, Colorado seasons. Ent's scale (the largest credit union in the state) means local does not mean small, and its member discounts follow the standard engagement-for-rate trade.
For the RefiJet network, the geography is fitting: the network's advisors and Ent's operations share a home state, which keeps payoff and title logistics quick.
From rate check to funded loan
- 1
Check your rate with a soft pull
Answer a few questions about your loan, your vehicle, and your credit. We screen your profile against Ent Credit Union and every other network lender at once using a soft credit check, so your score is never touched.
- 2
Compare your real matches
You only see lenders whose criteria you actually meet. If Ent Credit Union prices your profile, its estimated offer appears next to the rest of the network so you can judge it in context, not in isolation.
- 3
Choose an offer and verify
Pick the offer you want and complete that one lender's full application. This is the only step with a hard credit inquiry, and it happens once, for the lender you chose.
- 4
The new loan pays off the old one
Ent Credit Union typically funds in 2-5 days. The new lender pays your old loan and takes over the title; your part is mostly signatures.
Frequently asked questions
Who can join Ent Credit Union?
Membership requires a Colorado connection: living, working, worshiping, or attending school in the state.
Does Ent offer cash-out auto refinancing?
Yes, cash-out is supported alongside standard rate-and-term refinancing. Lease buyouts and co-signer programs route to other network lenders.
Is Ent competitive with national lenders?
Estimated APRs from about 5.39% keep Ent competitive, with member discounts narrowing the gap further. The match shows Ent next to the national options so Colorado drivers can judge directly.
Ent Credit Union head to head
Where Ent Credit Union ranks
