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 the green "Apply For A Loan" button located in the upper right hand corner.

              

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 the green "Apply For A Loan" button located in the upper right hand corner.

              

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 the green "Apply For A Loan" button located in the upper right hand corner.

              

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 the green "Apply For A Loan" button located in the upper right hand corner.

              

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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 60 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 60 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 60 months. Used vehicle rates as low as 2.24% APR, up to 125% financing and terms up to 60 months. Additional .25% discount available for either a 20% down payment, setting up an automatic loan payment, establishing and maintaining a Partner or Preferred member relationship tier level or the redemption of credit card points toward the loan discount. Max loan discount(s) cannot exceed floor rate. All loans are subject to credit, income and debt verification as well as final underwriting approval. Rates effective as of September 11, 2014. 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 or 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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