This pre-approved offer is available only for the select credit-approved primary member who has been contacted by SMCU, typically via mail, email, or phone call, and expressly informed of their pre-approval details. The pre-approval is non-transferable. All loans are subject to meeting credit, income and debt verification. This is a firm offer of credit and is based upon prescreen criteria. This offer is conditional on your continuing to meet the pre-approval criteria used to prescreen you for this offer as well as verification of annual income equal to or greater than twice the pre-approved amount. This prequalification offer pre-approves you for $10,000 to $50,000 of credit, depending on your individual credit details and is valid through June 30, 2019.
PRESCREEN & OPT OUT NOTICE: This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call Experian at 1-888-567-8688, write to Experian at P.O. Box 9532 Allen, Texas 75013 or visit the website at www.optoutprescreen.com.
*APR = Annual Percentage Rate; effective as of 4/9/2019. As low as rate of 2.24% APR for new and used vehicles applies to terms up to 36 months. Terms up to 84 months and financing up to 130% LTV are available. The as low as 2.24% APR rate is available to tier level one (1) FICO qualifying member(s) and includes an additional .25% rate discount for either setting up an automatic loan payment, establishing and maintaining a Partner or Preferred member relationship tier level, purchasing a vehicle through SMCU's personal auto shopper or the redemption of credit card points toward the loan discount. Only one discount can be applied. Max loan discount(s) cannot exceed “floor rate”. Rates and term(s) subject to change at any time. Other restrictions may apply.
** All loans are subject to credit, income, debt, and membership qualifications. Offer is valid for auto loan refinance applications submitted 3/18/19 - 5/31/19 and may be changed or discontinued at any time without notice. The Auto Loan Rate Match may not be combined with this offer and the refinance of an existing SMCU auto loan is not eligible, nor is the refinance of an auto loan previously held by SMCU within 60 days prior to new application. 1.00% cash back is calculated based on the final total funded loan amount, including any ancillary products, with a maximum payout of $500.00. Cash back will be paid upon execution of final loan agreement. Recipient is responsible for any applicable taxes related to the cash back payment. Other restrictions and conditions may apply; please visit an SMCU branch or smcu.org/refi1 for complete details.