Desert Valleys Federal Credit Union

- No closing costs, no annual fees
- No collateral required
- Preapproved within 24 hours
- Fees: $5
- 100% financing (no cash needed)
- Customer service in Spanish available
- Available to borrowers in Barstow, Bishop, Boron, California City, Lake Isabella, Lone Pine, Trona and Ridgecrest
---Energy upgrades (non-solar)
- Annual percentage rate:
- 0 - 60 months 6.00% - 9.00%
- 61 - 180 months 7.00% - 10.00%
- Loan amount: $2,500 - $50,000
- Term: Up to 15 years