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

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 by December 31, 2022 and you won’t have to make your first payment for 90 days.†

  • Competitive rates as low as 1.99% 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 by December 31, 2022 in one of three ways:

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


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.

Activate My Preapproval

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 auto loans funded between August 1 through December 31, 2022. Offer available to tier level one (1) through three (3) FICO qualifying members.

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