Auto Loans
Buying a car can be hard work. That's why SMCU makes the experience as easy as possible, with a variety of options that let you choose the one that works best for you. Whether you use the services of our free personal auto shopper service, buy at one of our Members Only car sales, use the convenience of Credit Union Direct Lending or find the vehicle on your own, we can provide financing with a host of features.

Advantages of SMCU Financing

	Competitive low fixed rates
	Up to 100% financing - including tax and license
	No prepayment penalties
	No down payment required (subject to credit approval)
	Mechanical Breakdown Protection available
	0.25% rate discount for hybrid vehicles*

Click here to see how you can save fuel cost by owning a hybrid vehicle.

*Discount for new vehicles only.

Representative Example

Apply Online

Product	APR* as low as
New Auto Loan	5.80%
Used Auto Loans	6.15%
Terms available up to 84 months

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*

The Credit Union may finance up to 100% of Retail Value, including tax, license and optional Mechanical Breakdown Insurance and Credit Life/Disability Insurance. Any and all outside charges and DMV fees necessary to process the loan are paid by the member. Advertised rates are based on credit criteria. Your rate may be higher. Rate includes 0.25% discount for automatic payment. Add 2.00% for model years 2000 and 2001. Add 3.00% for model years 1998 and 1999. For all vehicle loan terms over 60 months add 0.25%.

APR = Annual Percentage Rate All Rates Subject to Change SMCU does not charge application fees or closing costs on the loans shown above. Rates Effective October 6th, 2008. EQUAL OPPORTUNITY LENDER Representative Example

Free personal auto shopper

Credit Union Direct Lending

Dealer Spotlight

Insurance Quotes NEW!

California DMV

Kelly Blue Book Online

NADAguides

CarFax