Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click "Apply For A Loan" located in the Services section of the online home page.

Apply Online               Apply As Guest

Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click "Apply For A Loan" located in the Services section of the online home page.

Apply Online               Apply As Guest

Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click "Apply For A Loan" located in the Services section of the online home page.

Apply Online               Apply As Guest

Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click "Apply For A Loan" located in the Services section of the online home page.

Apply Online               Apply As Guest

Open An Additional Account

If you are a current member of SMCU, opening additional accounts is easy. Just log into SMCU OnLine and click "Open an Additional Account" located in the Services section of the online home page.

Open Another Account Through SMCU OnLine               Open Another Account as a Guest

Security Lock SMCU OnLine Login

Save with SMCU Financing vs. 0% Dealer Financing

At first glance, 0% dealer financing may seem like a good deal. However, when dealers offer low or 0% interest rates, they typically won’t negotiate much on the price of the car. They have to make a profit somewhere. Members are able to better negotiate the price of the vehicle by taking the rebate as verse to the 0% dealer financing. A low interest rate SMCU auto loan paired with a low vehicle price, will beat 0% dealer financing. Here’s how:

Financing Comparison Chart - $25,000 Auto Loan

  0% APR Dealer Financing 1.99% APR* SMCU Financing 3.24% APR* SMCU Financing
Dealer Rebate $0 $2,500 $2,500
Loan Term 36 months 36 months 60 months
Monthly Payment $694.25 $644.56 $407.22
Total Payment $24,993 $23,204 $24,433
Life of Loan Total Savings $0 $1,789 $560

Let SMCU provide you a great loan experience!

  • Low rates for new and used autos
  • Up to 125% financing, including tax, license and warranty
  • Terms up to 84 months
  • FREE Personal Auto Shopper to help you find the car of your dreams

Take advantage of SMCU financing now and save!

*APR = Annual Percentage Rate. Information in the chart above is for financing comparison purposes only. Actual rate may vary and is subject to credit, income and debt verification as well as final underwriting approval. Rates and terms subject to change at any time. Other restrictions may apply. You are eligible for membership to SMCU if you live, work, worship or study in San Mateo County, the City of Palo Alto and certain areas in San Francisco. A one-time, non-refundable membership fee of $10.00 ($1 age 17 and under) is required to join. San Mateo Credit Union is an Equal Opportunity Lender. Federally insured by NCUA.

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