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 June 2023

New Autos

TermsAPR* As Low As
Up to 36 Months5.49%
37  –  60 Months5.74%
61  –  72 Months5.99%
73  –  84 Months6.44%

Used Autos

TermsAPR* As Low As
Up to 36 Months5.99%
37  –  60 Months6.49%
61  –  72 Months6.99%
73  –  84 Months7.49%

*APR – Annual Percentage Rate

For all loans, the actual percentage rate is determined at the time a credit decision is rendered and may be higher than the lowest rates available. Credit history, loan terms, mileage, age of collateral, and the amount borrowed are all factors that determine the rate. Not all borrowers will qualify for the lowest rate. There are no pre-payment penalties for repaying your loan early. All loans are subject to credit approval with the exception of Savings Secured Loans. 

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