Automobile Loans

Our car loans will take you wherever you want to go. We give you the power to bargain as a cash buyer or if you do not feel comfortable negotiating, SMFCU has established relationships with reputable dealers and negotiated solid purchase values for our members. We offer competitive rates and a variety of terms on both new and used vehicles. 

Boat and RV Loans

Seasons change. Lifestyles change. Experience both with a boat, camper or RV. South Metro Federal Credit Union will lend up to 100% of its appraised value (new OR used!) and you can take up to 60 months to repay. 

Roll with the changes -- check our rates and apply online today! Then the only thing left to do is...pack your sunscreen.

TWO Auto-Buying Services!

South Metro Federal Credit Union is proud to offer two free auto-buying services to help you purchase your next vehicle.
Before You Buy...
Be sure to get your loan application pre-approved! Call South Metro Federal Credit Union at (952) 445-0888 for your auto loan pre-approval, or apply online! 

1. Hassle-free, haggle-free auto buying!
Shop for the vehicle of your choice, save more, and never even step foot into a car dealership. Click here to start!

2. Want to get a deal on a pre-owned car? Call David A. Spence at 651-905-5089 (W) or 612-290-1965 (C). You can see an extensive set of used cars for sale at the Enterprise Car Sales web site,  www.enterprise.com/creditunion. 

Do your homework before buying a car! 

	SMFCU members are eligible for a discount on most new Chrysler and GM vehicles. Save thousands of dollars when you Invest in America. Visit lovemycreditunion.org for more information.
	Official used car values can be found at www.nadaguides.com.
	For reviews and buying advice, check out www.edmunds.com.
Don't forget about Loan Insurance - we'll help you figure out what you really need!