Auto Loans

Auto Loans

Everyone deserves a bit of luxury, which is why at SMW you’ll get VIP treatment when it comes to your auto loan, no matter what kind of ride you have in mind. 



VIEW CURRENT RATES

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Details

 

  • New and used vehicles
  • Model years 2022 – 2025 for new autos
  • Finance up to 110% of any new vehicle price, including taxes, license, and warranty
  • Flexible repayment terms available
  • Automatic payments available from your SMW FCU checking or savings account
  • Consider refinancing your existing auto loans for better terms
  • Lease buyouts available
  • Local decision-making and processing by your community credit union
  • Attentive, friendly service from start to finish

 

*APR = Annual Percentage Rate. Actual rate and repayment terms you receive will be based on your individual credit history. All loans are subject to credit approval. Membership eligibility is required. Federally Insured by NCUA.

Special Promotion (Now - June 30th)

Refinance Your Ride. Reclaim Your Budget.

Now through June 30, 2025, SMW Financial Credit Union is making it easy to roll into better savings. Refinance your current auto loan from another lender and enjoy:

  • A lower monthly payment

  • A better rate

  • A smoother, stress-free refinancing process

Bonus Perks You’ll Love

When you refinance with us, you're not just saving — you're spinning! Every qualifying refinance gets a chance to spin our prize wheel for a shot at:

  • Car detailing packages

  • Gas gift cards

  • Discount tire gift cards

  • A free month of car insurance

  • And more!

What’s In It for You?

You work hard for your money — it’s time your loan did the same.
With SMW FCU, you’ll enjoy:

  • Simplified refinancing with local service you can trust

  • More money in your pocket each month

  • A chance to win awesome car-related prizes

Get Started Today — Applications Accepted through June 30, 2025

To qualify for this offer, applications must be received between 12:01 p.m. CST on April 1 and 11:59 p.m. CST on June 30, 2025. No exceptions. All loans are subject to credit approval. Offer cannot be combined with other promotions, discounts, or rate reductions. Membership eligibility is required. Existing auto loans currently financed at SMW Financial Credit Union are not eligible for refinance under this promotion. No purchase necessary to enter or win. SMW FCU reserves the right to modify or discontinue the promotion at any time. See credit union for full details. Federally insured by NCUA.

 

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