Instant Cash Loan Program
Available exclusively for County of Imperial employees
Loan features and guidelines
- Member can apply online at ficu.com
- No minimum credit score required
- Minimum one year permanent employment (verified)
- Minimum monthly gross earnings of $2,500
- Member has the option to have their credit pulled to inquire if they qualify for better rates and/or higher loan amounts or waive option and take established amounts and rates
Rates
| Tier | Loan Amount | Term | Interest Rate | Bi-Weekly Payment |
|---|---|---|---|---|
| Tier 1 | $3,001 - $4,000 | 24 Months | 13.00% APR* | $87.52 for $4,000 loan |
| Tier 2 | $2,001 - $3,000 | 18 Months | 14.00% APR* | $85.47 for $3,000 loan |
| Tier 3 | $1,000 - $2,000 | 12 Months | 15.00% APR* | $83.05 for $3,000 loan |
*APR= Annual Percentage Rate