FIGFCU Agency Secured Loan | Low Rates | Apply Online
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Farmers Insurance Federal Credit Union

Routing Number: 322077795

Three businesspeople

Farmers Secured Loan

Get Your Money Faster

Farmers Agents have a secret weapon when they need a loan: Contract Value (CV). Unlike banks, we understand your business model and let you borrow against your CV at exceptional rates and terms, giving you more flexibility to grow your business faster while managing cash flow.

You’ll get rates and terms banks can only dream about offering (if they qualify you). You’ll also enjoy no prepayment penalties.

The advantages of a Farmers Secured Loan include:

  • Rates as low as 6.99%*
  • Terms up to 15 years
  • Borrow up to 110% of your Contract Value
  • Direct Deposit of your full Agent Net Check required
  • Minimum FICO 640
  • Applicable fees:
    • Non-refundable loan application fee: $250
    • Loan closing fee of 1% of the total loan with a maximum of $2,500 
    • UCC lien is required: $50 UCC fee

The easy application process means you can get your money quickly.

Apply Now

*The interest rate shown is FIGFCU’s current interest rate, based on credit worthiness and minimum FICO Score. Other interest rates, fees, costs, and terms may be available and may change at any time, without notice, and are subject to credit approval. In order to qualify for this loan, agent must have their full Agent Net Check Direct Deposit going into their FIGFCU Checking Account (either High Yield or CashBack) and Automatic Payment/Folio Deduction for the entirety of the Loan.


This loan is subject to fees, costs, and approval.  The loan is subject to a non-refundable application fee. Approved loans will be charged UCC fees and closing costs. The amount of your closing cost will be dependent upon the amount of your loan. Please contact us to determine how much your particular closing costs will be. As long as the loan is outstanding all folio, commission, bonus, and other payments owed by Farmers Insurance Group of Companies must be remitted through a Credit Union checking account. For individuals who were members before January 1, 2025, please talk to us about possible alternatives to having your entire folio, etc., payments remitted through your Credit Union checking account. Borrower agrees that the application fees must be paid prior to the application being processed. Payment of Loan Application Fees is not a guarantee of credit approval. There are no prepayment fees. 

There is a $500 repricing/loan modification fee for Agency Loans.