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Business Vehicles

Putting you in the driver's seat

A business vehicle and loan are essential for expanding operational capacity, enhancing logistical efficiency, and projecting a professional image to clients and partners.

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Business Vehicle Loans

Finance a variety of commercial vehicles through manageable monthly payments to preserve cash flow, enhance operational efficiency, and drive revenue growth by improving delivery times and customer service.

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Business Vehicle Loan Benefits

Business Vehicle Loan Benefits

Preserve Cash Flow:

  • Don’t drain your working capital with a large upfront purchase. Spread the cost over manageable monthly payments, freeing up cash for day-to-day operations and growth opportunities.

Drive Efficiency, Boost Revenue:

  • Reliable vehicles financed through a loan can improve delivery times and enhance customer service, leading to higher revenue.

Wide Range of Vehicles:

  • Finance a variety of commercial vehicles, from cars and vans to trucks, specialized equipment, or even heavy machinery.
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Business Loan Rates

Rates up to date as of July 4, 2024. Rates subject to change without notice.

All Business LoansTermAPR
Commercial Real EstateCall 951-267-9951 to learn moreCall 951-267-9951 for today's rates
Lines of CreditCall 951-267-9951 to learn moreCall 951-267-9951 for today's rates
EquipmentCall 951-267-9951 to learn moreCall 951-267-9951 for today's rates
VehiclesCall 951-267-9951 to learn moreCall 951-267-9951 for today's rates
Small Business (SBA)Call 951-267-9951 to learn moreCall 951-267-9951 for today's rates

Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).

For more information visit Terms & Conditions, Current Rates, and Fee Details.

Frequently Asked Questions

  • Business loans are for vehicles used predominantly for business purposes.
  • A business loan can help with this separation.
  • Business loans may offer slightly higher interest rates but can come with longer repayment terms.
  • Personal loans often don’t require a down payment, while business loans might.
  • With a business loan, you might be able to deduct a portion of the loan payment, insurance, and maintenance costs on your tax return (consult a tax advisor for specifics).
  • Business loans may consider both your personal and business credit scores.
  • Business loans typically register the vehicle under the business name.
  • Business loans may have restrictions on the type of vehicle you can finance (e.g., no luxury cars).
  • Business loans may have restrictions on the type of vehicle you can finance (e.g., no luxury cars).
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Personal Auto Loans

First Californian Credit Union offers competitive auto loans with flexible terms and rates to help you finance new or used vehicles. Our auto loan options include various terms, allowing you to select the repayment period that best fits your budget. Additionally, we offer specialized services like refinancing existing auto loans to potentially lower your monthly payments and overall interest costs​​.

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