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Consumer Loans

When you’re looking to finance a new or used vehicle, or need some extra cash for an upcoming vacation, or even those unexpected expenses, think San Mateo Credit Union. We are convenient, and have solutions to help you with your loan needs. We offer competitive loan rates and terms that will fit into your personal budget.

Auto Loans

Buying a car can be hard work. That's why SMCU makes the experience as easy as possible, with a variety of options that let you choose the one that works best for you. Whether you use the services of our free personal auto shopper service, buy at one of our Pre-Owned car sale events, use the convenience of purchasing and signing the papers right at the dealership, or find a car on your own, we can provide financing with a host of features.

Personal Auto Shopper
A Credit Union Representative will do your shopping for you!

Pre-Owned Car Sales
Variety of cars. One location.
Research your vehicle and locate a dealer that provides on-site SMCU financing!


SMCU Financing vs.
0% Financing

Take advantage of SMCU financing now and save!

*Discount for new vehicles only.

Advantages of SMCU Financing
Competitive low fixed rates
Up to 100% financing - including tax and license
No prepayment penalties
No down payment required (subject to credit approval)
Mechanical Breakdown Protection available
Guaranteed Asset Protection (GAP) and Loan Protection

Representative Example

Recreational Vehicle Loan Rates

We make financing your next RV, Camper Boat or Motorcycle easy. Finance up to 100% up to 84 months.

Product APR*
as low as

Terms available up to 84 months. The Credit Union may finance up to 100% of Retail Value, including tax, license and optional Mechanical Breakdown Protection, Credit Life/Disability Insurance and GAP. Any and all outside charges and DMV fees necessary to process the loan are paid by the member. Advertised rates are based on credit criteria. Your rate may be higher.

APR = Annual Percentage Rate
All Rates Subject to Change
SMCU does not charge application fees or closing costs on the loans shown above.
Rates Effective April 19th, 2014.
Representative Example

Personal Loans

Personal loans can be used any way you wish. It's perfect for purchasing energy-saving appliances, taking a special vacation, or consolidating your bills into one easy payment.

With a personal loan, you receive the funds in one lump sum and pay a rate of interest that is fixed for the life of the loan.

Save money with low rates and affordable monthly payments
Enjoy loan amounts up to $25,000
Gain peace of mind by taking control of your personal finances

Put the cost-saving convenience of an SMCU personal loan to work for you today.

*APR = Annual Percentage Rate. All loans are subject to credit, income and debt verification qualification. Contact SMCU for more details. Offer subject to change at any time without notice. SMCU is an Equal Opportunity Lender.