FIGFCU Agency Loans | Grow Your Agency With Low-Rate Financing
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Agency Loans

We’ve Got Our Agents' Backs.

FOR A LIMITED TIME- earn a whopping 2% cash rebate on new Agency Secured Loans. Learn more.

Plus, you’ve got access to a 1%* rate discount on most agency loans, but only with Direct Deposit.

Flex Loan

We heard you! Our new Flex Loan delivers flexible loan options to free up cash flow when borrowing against contract value, or when acquiring a new book of business.

Lower monthly payments, great rates, and improved cash flow let you hire staff sooner, spend more on marketing, and be prepared for unexpected expenses.

And if you want to pay it off early, there is NO prepayment penalty, for even more flexibility!

Learn more about Flex Loan


Agency Staffing Loan

Our NEW Agency Staffing Loan is specially designed to make paying for new staff easier. 

Agency Staffing Loan offers a full 90 day deferment to get your new hire up and producing.  And, at our lowest rate, payments are just $200/month – which means your new hire will pay for themselves!

New employees, and existing employees hired max 3 months before loan application, are all eligible.

Staffing up for a faster, better recovery is now within reach!

Learn more about Agency Staffing Loan


Agency Secured Loan

These loans are designed to help Farmers agents borrow against their established Contract Value and get our lowest agency loan rates. And we make the application process quick and easy, so you get your money faster.

  • 2% cash back rebate
  • Rates as low as 4.74% APR+
  • Borrow up to 60% of your Contract Value3
  • Up to a 7-year term

Learn more about Agency Secured Loans


Agency Secured Line of Credit

While you can’t anticipate the unexpected, you can be prepared for it. And, if you have established Contract Value, you may qualify for a line of credit, which you could access anytime for unplanned agency costs.

Learn more about Agency Secured Line of Credit


Commercial Real Estate (CRE) Loans

Stop putting money into someone else’s pocket. Buy your office space with a Credit Union CRE Loan. You can borrow up to 75% of your Contract Value toward the down payment on new office space or for refinancing your current building. Both fixed and variable rates are available (depending on your qualifications) on loans from $50,000 to $5,000,000.

  • Financing available for Offices, Office Condos, Retail/Retail Strip, Apartment Buildings 5-Units+
  • Terms up to 15 years*
  • Amortization up to 30 years
  • No pre-payment penalties
  • Minimum 20% down payment required.
  • Investment property financing available (rates and terms are subject to property type and leases)

*Owner Occupied Properties Only and Maximum 65% LTV

Learn more about Commercial Real Estate Loans.

Agency Loans

As downpayment on Commercial Property

When it’s time to move to new office digs or simply refinance your current space, our loans can help. Borrow up to 75% of your Contract Value and get the added bonus of no closing costs on the Contract Value portion of your loan.

  • Rates as low as 4.74% APR+
  • Up to a 7 year term
  • Easy application process so you get your money quickly
  • Term only applies to Commercial Real Estate purchase and/or refinance

Apply online or complete our All Purpose Loan Application, and mail it or bring it to your local Credit Union branch.


Agency Acquisition Loan

Thinking of buying an agency? The Credit Union makes the agency purchasing process simple.

  • Borrow against your Contract Value (up to 75%) with rates as low as 4.74% APR9

Need more money?

  • Get an Agency Acquisition Loan with rates as low as 8.74% APR
  • Terms up to 84 months
  • Easy application process means you get your money quickly

View rates

Learn more about Agency Acquisition Loan


Smart Office Loan

Our exclusive low-rate Smart Loan puts your Agency on the Smart Office path.

  • Purchase signage, renovate your office, or hire more staff
  • Rates as low as 7.99% APR+
  • Loan terms from 6 months to 5 years
  • Easy application process means you get your money quickly

View rates

Learn more about Smart Office Loan


Vehicle Loans

How are you getting to all of your customer appointments? What about your staff? Finance one or more vehicles with your Credit Union. Whether you are using a car, a boat or a motorcycle, we can get you there in style.

Learn more about Vehicle Loans

APR = Annual Percentage Rate. APR is the annual rate of interest that is paid on an investment, without taking into account the compounding interest within that year. Rates are subject to change at anytime.

Rates discount is for Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction. Rates are subject to change at anytime.

2021 Agency Secured Loan 2% Rebate Promotion – Rebate will equal 2% (two percent) of loan amount. The rebate is a cash back offer that is valid on new loans for the amount financed of a qualified Agency Secured Loan. Refinancing of any existing FIGFCU loans are not eligible for this offer, only new money loans financed qualify. (Requires minimum $10,000 new money financed) This is a one-time rebate, which will be 2% of the total amount financed.

Ex: Agent is requesting and qualifies for a $40,000 Agency Secured Loan and is eligible based on Net Folio Deposit of $5,000 per calendar month into a FIGFCU checking account under the same membership account as the Agent Borrower and has Automatic Payment/Folio Deduction set up no later than 60 days after loan funding. The Agent will then qualify for an $800 (eight hundred dollars) rebate. The rebate will be deposited to the Agent’s primary savings account within 60 days after loan funding.

Rebate Forfeiture: If 75% of the original balance is not maintained for 6 months the entire rebate would be forfeited and debited from the account; or if the Net Folio Deposit or Automatic Payment/Folio Deduction is discontinued, the rebate will be forfeited; the Credit Union reserves the right to recover fees from any share account held with the Credit Union, or to include it in the payoff amount of the rebated loan. Certain creditworthiness criteria apply for loan approval. Agency Membership with FIGFCU Credit Union is required.  If you are not currently a member, open a membership with as little as $5 to take advantage of this offer and set up the required Net Folio Deposit AND Automatic Payment/Folio Deduction. FIGFCU has the right to end or modify this promotion at any time without notice and cannot be combined with any other promotional offer.

Rebates are reportable for tax purposes. Consult your tax adviser regarding tax consequences and your specific situation.