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

Shift gears to a better rate plus 1% cash back.

If you’re paying too much on your current payment at another bank, credit union, or through dealer financing, give SMCU the opportunity to lower your payment. Refinance with us in a few easy steps and you’ll receive 1% cash back on the full loan amount.*

Limited Time Offer*:

  • Refinance your auto loan before June 30, 2022.
  • 1% cash back is paid on the final amount of the SMCU loan, including extras like Guaranteed Auto Protection (GAP) and Mechanical Repair Coverage (MRC).
  • Valid on refinanced auto loans from other lenders, current SMCU loans are not eligible.
  • Maximum cash back is $500.
Loan Amount Cash Back
$15,000 $150
$25,000 $250
$50,000 $500*
$75,000 $500*


Refinance your auto loan and enjoy 1% cash back!
Apply by June 30, 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 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

*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. All loans are subject to credit approval. Offer is valid for auto loan refinance applications submitted from 4/1/2022 to 6/30/2022 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. Membership eligibility requirements apply. Additional conditions and restrictions may apply.