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Save on Your Loan Rate: Enjoy a special 2% discount when you set up Direct Deposit and automatic payments—simplify your banking and boost your savings!
Family in front of RV

Vehicle Loans

Hot Wheels. Cool Loan Rates.

No matter what your mode of transportation, think savings and convenience.

Our Vehicle Loans have you covered with competitive rates and the ability to make your payments via automatic payments from your FIGFCU Checking Account. We even offer the same loan rates whether you are buying a new or used vehicle.

Use our Credit Union Vehicle Loans for:

  • New and used automobiles—awesome rates from only 7.49% APR†
  • Recreational vehicles including:
    • Motorcycles
    • Motorhomes/travel trailers
    • Boats
    • Jet skis

And don’t forget: qualify for a 2.00%† rate discount, saving up to hundreds of dollars a year, with Direct Deposit!

Apply now and get rolling.

Apply Now

Additional Information
Download Lienholder Information Sheet 
Download Authorization for Payoff Form 
 

Fuel Economy Guide
When shopping for a new vehicle, running costs and specifically fuel economy can make or break a deal. That's why the government-published “2023 Fuel Economy Guide” is such a useful tool. Before you visit the dealer, compare the fuel economy, annual fuel costs and emissions for all the 2023 model-year cars, SUVs and light trucks you've got your eye on. Check it out at www.fueleconomy.gov.

 

Auto Loans

Term Direct Deposit APR† Standard APR†
36 months 7.49% 9.49%
48 months 7.49% 9.49%
60 months 7.74% 9.74%
72 months 7.99% 9.99%

 

RV Loans

Term Fixed APR†
48 months 8.74%
60 months 9.24%
61 - 72 months 9.74%
73 - 120 months Variable Rate of 8.99%

 

 

†APR=Annual Percentage Rates. Rates shown are our preferred rates based on credit worthiness and a 0.50% Auto Loan discount for Direct Deposit/Folio Direct Deposit going into a FIGFCU Checking Account (either High Yield or CashBack) in the amount of $1,000.00 or more monthly and Automatic Payment/Folio Deduction. Rates and terms are subject to credit approval. Other rates and terms are available. Other restrictions may apply. Financing available up to 130% of the Purchase Price, including tax, license, warranties and negative equity on a trade for qualified borrowers. Please speak with a Loan Representative for complete details and qualifying criteria. Rates and terms are subject to credit approval, are subject to change at any time and without notice. All values are determined by the Credit Union using either vehicle cost or Kelly Blue Book/NADA, whichever is lower. Other rates and terms are available.

SEPTEMBER 2024 DIRECT DEPOSIT / 2% LOAN DISCOUNT PROMOTION: Up to 2.00% APR (Annual Percentage Rate) discount on qualifying loan is for a current or newly established minimum of $1,000 monthly Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment Deduction as a repayment method to qualify. Offer subject to change or cancellation at any time. Direct Deposit loan rate discount available if at a time prior to loan funding (a) Member has a current or newly established recurring monthly Direct Deposit of at least $1,000 from net pay, pension, or government benefits, and (b) Member is obtaining a FIGFCU loan. Maximum available loan rate discount of 2.00% if Member is eligible to combine Direct Deposit discount with other available discount a maximum of 2.00% shall be applied. If Direct Deposit stops before loan is paid off, loan interest rate will increase by 2.00%. Other restrictions may apply. All loans are subject to credit approval. Rate and terms are subject to change without notice.

Promotion Offering applies only to Consumer accounts, which must be in good standing. Guardian, rep payee or executor, collections charge-off, business, and/or organizational accounts are ineligible. Must be 18 years of age or older. FIGFCU reserves the right to end or modify this promotion without notice. Member cannot take advantage of this promotion more than once. Promotion cannot be combined with any other account promotion for a discount over 2.00%. Visit figfcu.org for account details, minimums, and fees. Federally insured by NCUA. Subject to employer and/or payer terms and conditions. FIGFCU will generally post payroll Direct Deposits on the day they are received, other exceptions may apply. Promo Period: September 3, 2024 to October 11, 2024. Signature Loans, Business Signature Loans and Agency Acquisition Loans not eligible for refinancing.

Available to new and existing Members who apply for eligible loans during the promotional period. Direct Deposit/Folio Direct Deposit into a FIGFCU Checking account (either High Yield or CashBack) in the amount of $1,000.00 or more monthly and Automatic Payment/Folio Deduction to the loan is required. Loan and checking accounts with Direct Deposit must be under Primary Membership. Checking/Direct Deposit can NOT be to a joint Checking account under a different membership. Signature Loans, Business Signature Loans and Agency Acquisition Loans not eligible for refinancing. Refinance Fees are as follows: Vehicle Loans – $200 refinance fee unless $4,000 in new money is added to the loan. Agency/Business Secured Loans – $400 refinance fee unless $10,000 in new money is added to the loan. Home Equity Loans/HELOC’s – $500 refinance fee for loans booked within the last 12 months unless $20,000 new money is added to the loan. Interest rate shown on final loan disclosures will be the higher rate prior to the discount. Loan will be booked with the lower discounted rate. Direct Deposit Addendum will be signed with closing loan disclosures.