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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We will be performing end of year maintenance on our systems on Sunday December 11th from 9am to 10am. During this time, SMCU OnLine, SMCU Mobile and Call24 will be unavailable. We apologize for any inconvenience this may cause.


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 is super low. For a new or a pre-owned car, we offer an as low as rate of 1.99%APR up to 60 months. We have other financing options such as

no payments for 90 days
financing up to 130%
terms up to 84 months

Plus, SMCU has other advantages such as automatic payments, no pre-payment penalties, and access to a free Personal Auto Shopper who can help you through the car buying process including negotiating a trade-in.

And don’t forget, we can refinance a loan you have from another financial institution too.


*APR = Annual Percentage Rate. New and used vehicle rates as low as 1.99%APR, up to 130% financing and terms up to 60 months. The as low as 1.99%APR rate is available to tier level one (1) FICO qualifying member(s) with an additional .25% rate discount. The 1.99%APR rate include an additional .25% discount available for either setting up an automatic loan payment, establishing and maintaining a Partner or Preferred member relationship tier level, purchasing a vehicle through SMCU's personal auto shopper or the redemption of credit card points toward the loan discount. Only one discount can be applied. 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 December 5, 2016. Rates and term subject to change at any time. Other restrictions may apply. You are eligible for membership to SMCU if you live, work, 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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