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How does 1.99% APR* sound?

Cars come with a lot of special features, but the best one is an Auto Loan with a rate that’s super low! For a new car, we offer a rate as low as 1.99% APR*. Up to 36 months. Other options up to 84 months are available.

And, don’t forget all of the other SMCU advantages: like 125% financing and no prepayment penalties!

For pre-owned cars, we have rates as low as 2.24% APR*. Up to 36 months. 125% financing. And that includes the car you’re driving. Don’t forget you can refi a loan you have from another financial institution!

*APR = Annual Percentage Rate. New vehicle rates as low as 1.99% APR, up to 125% financing and terms up to 36 months. Used vehicle rates as low as 2.24% APR, up to 125% financing and terms up to 36 months. Rate includes a .25% discount for either a partner or preferred member relationship tier level or 20% down payment. All loans subject to credit, income and debt verification as well as final underwriting approval. Rates effective as of October 29, 2013. Rates and term subject to change at any time. Other restrictions may apply. Not valid on any existing San Mateo Credit Union vehicle loans. 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.