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Farmers Insurance Federal Credit Union

Routing Number: 322077795

smiling in new car

Vehicle Loans

Dream Loans For Your Dream Ride

Save money

Rates as low as 5.49% APR*.

Get a 1.00% discount

With Direct Deposit and Auto Pay.

Many loan options

From SUVs to RVs, we help fund your dream.

Apply Now

No matter how you like to get around the city, state, country, or body of water, when it’s time to finance or refinance a vehicle loan, cruise on over to your Credit Union for savings and convenience.

Our vehicle loans get you going with competitive, low rates. And because nothing should slow you down, we offer pre-approvals so you can shop with confidence. Whatever gets your motor running, we can put you in the driver’s seat.

  • Rates as low as 5.49% APR* with Direct Deposit and Auto Pay (6.49% APR without)
  • Same low rates for new and used vehicles
  • Rates apply to purchases from a dealer, private party, refinance, or cash-out refinance
  • We finance:
    • Motorcycles
    • Motorhomes and travel trailers
    • Boats
    • Personal watercraft

Direct Deposit parks more money in your wallet.
Qualify for a 1.00% APR** rate discount, saving up to hundreds of dollars a year, with Direct Deposit and Auto Pay. Use the savings to make your dream ride even dreamier.

Refinance your current vehicle loan and save.
Our vehicle refinance rate is just 5.49% APR. That’s monthly savings for gas, insurance, or cool accessories. Compare and save today. Use the money for emergencies, to pay off other debts, whatever drives you.

Apply Now

Auto Loans (New and used vehicles)

Term Direct Deposit APR* Standard APR*
36 months 5.49% 6.49%
48 months 5.74% 6.74%
60 months 6.99% 6.99%
72 months 6.24% 7.24%

RV Loans

Term Direct Deposit APR* Standard APR*
48 months 7.49% 8.49%
60 months 7.99% 8.99%
61 - 72 months 8.49% 9.49%
73 - 120 months 8.99% 9.99%

Additional Information
Download Lienholder Information Sheet 
Download Authorization for Payoff Form 
 

Fuel Economy Guide
When shopping for a new vehicle, running costs, including fuel economy, matter. That's why the government-published “2025 Fuel Economy Guide” is a useful tool for figuring out how much it will cost to own your dream car, truck, or SUV. Use the guide to compare the fuel economy, annual fuel costs and emissions for vehicles from today through 1984. Check it out at www.fueleconomy.gov.

*APR=Annual Percentage Rate.

**Rates shown are our Preferred rates based on credit worthiness (FICO® Score), and a 1.00% APR Auto Loan discount for Direct Deposit or full Agent Net Check going into a FIGFCU Checking account (either High Yield Checking or CashBack Checking) in the amount of $1,000.00 (one thousand dollars) or more monthly and Automatic Payment/Folio Deduction as a repayment method to qualify. 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. Financing available up to 130% of the Purchase Price for a lease buyout or refinance, excluding tax or license, which were paid at the time of purchase. The Credit Union only lends up to 100% loan-to-value (LTV) for clear title or private party purchases. Please speak with a Loan Representative for complete details and qualifying criteria. Rates and terms are subject to credit approval and 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.