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Congratulations! You're pre-approved for an SMCU auto loan.

Want to buy or refinance a new or used vehicle? Great news: You're pre-approved for an SMCU auto loan.

  • Rates as low as 2.24% APR* and fast funding for new, used, or refinanced vehicles
  • Terms available up to 84 months for lower monthly payments
  • Convenient extras like GAP Plus, auto protection, and a free auto shopper service
Ways to Use your pre-approved auto loan How to do it
Buy directly from a dealer or private party Use the contact form below to let us know you'd like to take advantage of your pre-approval. We'll get back to you with next steps within one (1) business day.
Refinance a car you already own If you have a loan from another lender, you can use your SMCU pre-approval to refinance that loan and save money. Use the contact form below, choose "Refinance my current auto loan," and we'll get back to you with next steps within one (1) business day.
Ask us to find your car SMCU's free personal auto shopper service can find the new or used car you want, negotiate the price on your behalf, and in most cases deliver it to you. Request a Vehicle >
Do some online shopping first We offer AutoSmart, a free online search tool to research and find the vehicle you want. Use AutoSmart >

Take advantage of this pre-approved auto loan offer before it expires on September 30, 2019.

To accept your offer, simply fill out and submit the form below and we'll get back to you within one (1) business day with next steps.

You can also visit any branch or call us at any time to accept your offer or ask us a question: (650) 363-1725 (choose option #3).

Let us know you want to use your pre-approval and we'll contact you to complete the loan:

How would you like to use your SMCU auto loan?:

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 September 30, 2019. 

*APR = Annual Percentage Rate; effective as of 2/7/2019. 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.

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