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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


  • New and used auto loans with terms up to 84 months
  • New autos up to 135% financing*
  • Used autos up to 130% financing*
  • Used auto financing for vehicles up to 10 years
  • FICU will pre-approve you before you shop for your new or used auto

*Including tax, license, GAP insurance, and MRC (Mechanical Repair Coverage)

Refinance With Us

We offer an Auto Refi Program that allows us to lower your current rate up to 2%* and give you 90-day no payments! 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 2.99% 3.49%
Up to 48 Months $5,000 3.24% 3.74%
Up to 60 Months $10,000 3.49% 3.99%
Up to 72 Months $20,000 3.74% 4.24%
Up to 84 Months $25,000 3.99% 4.49%
Refinance Promotion: Refi your auto with FICU for an up to 2% reduction on your APR* and 90 days no payment.

Rates effective November 1, 2020.

*Annual Percentage Rate.