Skip to Main Content

Refinance Your Auto Loan
Get 1% Cash Back up to $500*

Bring us your auto loan from another lender and leave with cash.

If you have an auto loan with another bank, credit union, or through dealer financing, give SMCU the chance to lower your payment. Refinance with us and we’ll give you 1% cash back on the full loan amount.
Loan Amount Cash Back
$15,000 $150
$25,000 $250
$50,000 $500*
$75,000 $500*

1% cash back offer details:

  • Limited-time offer: refinance your auto loan before December 31, 2021
  • 1% cash back is paid on the final amount of the SMCU loan, including extras like Guaranteed Asset Protection (GAP) and Mechanical Repair Coverage (MRC)
  • Your 1% cash back rebate will be paid in full as soon as you get your SMCU loan
  • Valid on refinanced auto loans from other lenders; current SMCU loans are not eligible
  • Maximum cash back is $5001
Refinance your auto loan and enjoy 1% cash back. Apply online, visit at any branch, or call (650) 363-1725 (choose option #3) by December 31, 2021. 
Why join SMCU?
For over 65 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!
Redwood City - San Mateo - South San Francisco - Daly City - East Palo Alto - Half Moon Bay
All loans are subject to credit, income, debt, and membership qualifications. Offer is valid for auto loan refinance applications submitted from 8/9/21 to 12/31/21 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.

APR = Annual Percentage Rate. New and used vehicle rates as low as 1.99% APR, up to 130% financing and terms up to 36 months.Terms up to 84 months and financing up to 130% LTV are available. The as low as 1.99% APR rate is available to tier level one (1) FICO qualifying member(s). No additional discount can be applied, and loan discount(s) cannot exceed “floor rate.” This offer is valid on membership accounts that are in good standing with the credit union. Rates and term subject to change at any time. Other restrictions may apply. Membership eligibility requirements apply. All loans are subject to credit, income and debt verification as well as final underwriting approval. Rates effective as of 8/9/2021.