Auto Loans

New and Used Auto Loans

Benefits of Financing with SMW 104 FCU

  • Low interest rates
  • No prepayment penalty
  • Convenient payment options
  • Copy of dealer’s invoice price for new vehicles or Kelly Blue price for used vehicles
  • Guaranteed Asset Protection (GAP).  Please contact the credit union for details and pricing.
  • Mechanical Breakdown Protection.  Please contact the credit union for details and pricing.

 

Important Note: We do not finance vehicles with a Salvaged Title, Lemon Law Buyback Title or Warranty Return Title.

Auto Loan rates

All Rates Effective December 2021

New Autos

TermsAPR*
1 – 12 Months0.99% – 13.24%
13 – 36 Months2.49% – 14.34%
37 – 60 Months2.49% – 14.54%
61 – 72 Months2.49% – 14.79%
73 – 84 Months2.99% – 14.99%

Used Autos

TermsAPR*
1 – 12 Months1.99% – 13.64%
13 – 36 Months2.99% – 14.14%
37 – 60 Months2.99 %– 14.64%
61 – 72 Months2.99% – 14.99%
73 – 84 Months3.49% – 15.29%

*APR – Annual Percentage Rate

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