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FICU has some of the lowest auto loan rates in Imperial County. We refinance vehicles from other financial institutions and provide different loan programs to fit your needs.

We also offer pre-approvals which puts you in a better position to bargain the price of the car with the dealership, without worrying about the financing.

  • Low rates
  • Flexible terms - 135% financing up to 84 months*
  • Easy application process
  • Fast approval
  • No application fees

*Includes tax, license, GAP insurance, Mechanical Repair Coverage (MRC).

New Autos

  • Terms up to 84 months
  • Financing available up to 135% of the purchase price including tax, license, GAP insurance, and Mechnical Repair Coverage (MRC).
  • New autos are any vehicles of the current year, or previous year, with less than 7,500 miles.

Used Autos

  • Terms up to 84 months
  • Financing available up to 130% of the purchase price including tax, license, GAP insurance, and Mechnical Repair Coverage (MRC).
  • Used autos are any vehicles 2011 through 2020*

*A 2020 model year car is considered used if it has more than 7,500 miles.

Refinance With Us

We offer an Auto Refi Program that allows us to lower your current rate up to 2%*! Simply bring us another financial institution's offer in writing and we will give you this great deal! If you have a high interest rate loan from another financial institution, refinance it with us! You could lower your payments instantly!

*Based on approved credit. Some dealership financing does not apply. May affect certain terms of the loan.

DMV Fee Financing and Paperwork

Save time and hassles - just let us roll the registration fees into your loan and we will handle all the DMV paperwork.

Guaranteed Asset Protection (GAP) Plus with deductible assistance

If your vehicle is stolen or accidentally damaged beyond repair, GAP Plus covers the difference between your insurance coverage and the amount you owe on your loan. Click here for additional details.

‡The vehicle must be officially declared stolen or a total loss.

Below are the documents you'll need to assist in funding your auto loan promptly:

  • Basic contact information
  • Proof of income
  • Auto information (if available)
  • Proof of insurance

For refinancing also add:

  • Lender statement
  • Purchase contract


Up to 36 Months $5,000 2.74% 2.99%
Up to 48 Months $5,000 2.74% 2.99%
Up to 60 Months $10,000 2.74% 2.99%
Up to 72 Months $20,000 2.74% 2.99%
Up to 84 Months $25,000 2.74% 2.99%
Refinance Promotion: Refi your auto with FICU for an up to 2% reduction on your APR*.

Rates effective June 1, 2021.

*Annual Percentage Rate.