Apply for a loan View our rates

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 2013-2023*

*A 2023 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% and 45 days without a payment*! 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. Interest begins accruing the day the loan is funded. Floor rate is 4.5%.

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

Effective September 16, 2023 - Loan Rates. Rates subject to change without notice.

*Annual Percentage Rate.
**Interest begins acruing the day the loan is funded.

Additional Content