Auto Loans
Buying a car can be hard work. That's why SMCU makes the experience as easy as possible, with a variety of options that let you choose the one that works best for you. Whether you use the services of our free personal auto shopper service, buy at one of our Members Only car sales, use the convenience of Credit Union Direct Lending or find the vehicle on your own, we can provide financing with a host of features.
Advantages of SMCU Financing
Competitive low fixed rates
Up to 125% financing - including tax and license
No prepayment penalties
No down payment required (subject to credit approval)
Terms available up to 84 months. The Credit Union may finance up to 125% of Retail Value, including tax, license and optional Mechanical Breakdown Insurance and Credit Life/Disability Insurance. Any and all outside charges and DMV fees necessary to process the loan are paid by the member. Advertised rates are based on credit criteria. Your rate may be higher. Rate includes 0.25% discount for automatic payment. Add 2.00% for model years 2000 and 2001. Add 3.00% for model years 1998 and 1999.
APR = Annual Percentage Rate
All Rates Subject to Change
SMCU does not charge application fees or closing costs on the loans shown above.
Rates Effective May 13th, 2008.
EQUAL OPPORTUNITY LENDER Representative Example
Buying a car can be hard work. That's why SMCU makes the experience as easy as possible, with a variety of options that let you choose the one that works best for you. Whether you use the services of our free 
