Agency Loans

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

• Rates as low as 7.99% APR⁺
• Borrow up to 60% of your Contract Value³
• Up to a 7-year term

Learn more about Agency Secured Loans

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

• Borrow up to a maximum of $50,000⁴
• Get a rate discount with Folio Direct Deposit
• Rates as low as 8.74% APR⁺

Learn more about Agency Secured Line of Credit

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Our multi-purpose Business Signature Loan allows agents to receive an exceptional-value “Swiss Army Knife” loan that provides low-cost, flexible financing in one convenient package. 

• Terms up to 84 months
• Borrow up to $100,000
•  Rates as low as 9.99% APR*

Learn more about our Business Signature Loan

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Every expense or emergency cannot be planned for, but you can be prepared. Our Business Signature Line of Credit allows you access to funds when you need it most. 

• Borrow up to $100,000
• Rates as low as 10.74% APR*

Learn more about Business Signature Line of Credit

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We heard you! Our 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

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

Agency Staffing Loan is a great way to get your new hire up and producing.  And, at our lowest rate, payments are just $150/month – which means your new hire will pay for themselves!

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

Learn more about Agency Staffing Loan

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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.

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 7.99% APR⁹

Need more money?

• Get an Agency Acquisition Loan with rates as low as 10.99% APR^†
• Terms up to 84 months
• Easy application process means you get your money quickly

View rates

Learn more about Agency Acquisition Loan

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Our Protégé Loan program was developed specifically to meet the needs of established Farmers agents and their agents in the program. Our low rates help keep loan payments low, while supporting a protégé before they start producing. They are also a great way for new agents to seed and build a business while cash flow is tight.

Learn more about Protégé Loans

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If you deduct big tax write-offs—or don’t have 2 years of tax returns—your bank will probably penalize you. Not here. We can use your Folio and Statement of Operations to help get you qualified and on better terms/rates. 

• Maximum Loan-To-Value: 80%
• FICO 660+
• Adjustable Rate Only

Learn more about Preferred Agent Mortgage

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