New to SMCU?

Continue to Application


Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

×

New to SMCU?

Continue to Application


Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

×

New to SMCU?

Continue to Application


Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

×

New to SMCU?

Continue to Application


Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

×

New to SMCU?

Continue to Application


Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

×

New to SMCU?

Continue to Application


Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

×
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. Membership eligibility requirements apply.

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