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 for New and Used Vehicles
  • No Application Fees
  • Flexible Terms - 135% financing up to 84 months*
  • Easy Application Process Online or In-Branch
  • Fast Approval

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

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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 2014-20241


Refinance your auto loan from another lender with First Imperial to help you lower your interest rate, decrease your monthly payment or pay off your auto sooner. We offer two options:

Regular Refinance

Did your credit recently improve or are you looking to reduce your monthly payment? Save on interest by lowering your auto rate with FICU.

  • Qualifying vehicles must be model years 2014-2024

Auto Refi Program

Our Auto Refi Program lowers your current rate up to 2% APRand 45 days without a payment3! Simply bring us your existing contract so we can get the process started.

  • No minimum credit score required
  • Qualifying vehicles must be model years 2018-2024

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.

Click here to learn about loan service add-ons to protect your investment.

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 5.24% 5.74%
Up to 48 Months $5,000 5.49% 5.99%
Up to 60 Months $10,000 5.74% 6.24%
Up to 72 Months $20,000 5.99% 6.49%
Up to 84 Months $25,000 6.24% 6.74%
Refinance Promotion: Refi your auto with FICU for an up to 2% reduction on your APR2
and get 45 days no payment3.

Effective June 1, 2024 - Loan Rates. Rates subject to change without notice.

1) A 2024 model year car is considered used if it has more than 7,500 miles.
2) Annual Percentage Rate.

3) Based on approved credit. Some dealership financing does not apply. May affect certain terms of the loan. First-time buyers are not eligible for this program. Interest begins accruing the day the loan is funded. Floor rate is 5.0% APR. FICU reserves the right to terminate or modify this program at any time without notice.

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