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Great rates for the road ahead
No payment for 90 days†

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Hit the road with a great rate and a great offer…No Payment for 90 Days!†

Whether you’re looking for a new or used vehicle, or you want to refinance your existing car loan to get a better deal, SMCU has just the right auto loan for you. Finance with us and you won’t have to make your first payment for 90 days.†

  • Competitive rates as low as 3.49% APR*
  • Terms up to 84 months
  • Convenient extras like Guaranteed Asset Protection (GAP), Mechanical Repair Coverage (MRC), and auto insurance

Financing your auto loan is quick and easy.  Get started today! 
Apply in one of three ways:

ONline Call In Branch
 Apply online (650) 363-1725, select option #2 Visit at any branch

 

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Why join SMCU?
For over 70 years, SMCU has offered accounts, services, and education meant to enrich the financial lives of our members and our community. And since we’re a not-for-profit financial institution, our efforts are designed with your best interests in mind, not ours. If you're not already a member, join today!

Have an auto loan preapproval from SMCU? Click Activate My Preapproval below.

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Redwood City - San Mateo - South San Francisco - Daly City - East Palo Alto - Half Moon Bay
 

* APR=Annual Percentage Rate. The as low as rate mentioned in this offer is for new and used vehicles and applies to terms up to 36 months. Terms up to 84 months and financing up to 130% LTV are available however the rate may be higher. The as low as APR rate stated does not allow for any additional rate discounts. Rates and term(s) subject to change at any time. † No payment for 90 days offer applicable for new auto loans funded. Offer available to tier level one (1) through three (3) FICO qualifying members.

Loan rates and annual percentage rates (APR) are effective 11/18/2022 unless otherwise noted and subject to change at any time. All loans and credit cards are subject to credit approval and income and employment verification. Membership eligibility requirements apply. Total unsecured debt cannot exceed $35,000.00 maximum aggregate limit. Total secured debt and total secured and unsecured aggregate debt cannot exceed $3,500,000.00. Terms up to 84 months and financing up to 130% LTV are available however the rate may be higher. The as low as APR rate stated does not allow for any additional rate discounts. Rates and term(s) subject to change at any time.Financing available on used vehicles (including fleet returned vehicles), excluding salvaged vehicles and vehicles with structural/frame damage.

All loans subject to credit approval. Additional conditions and restrictions may apply. Membership eligibility requirement may apply.