Consumer Loans

Before you purchase a vehicle from a dealer or private sale, be sure to check with us first. We offer competitive rates and a variety of terms to fit your budget. Our Financial Service Representatives will explain how the length of term, rate and down payment will affect the amount of loan.

Request a free, no obligation pre-approval. And, protect your purchase with our optional Guaranteed Asset Protection Insurance (GAP). Ask for details.

Must be a credit union member to apply for a loan. To become a member call 508-994-9971 or click here to apply online.

Auto Loans

Purchase a new or used car, truck, van or SUV and choose a financing option that's right for you.

  • Affordable low interest rates
  • Various terms
  • 0% down options

Click here for rates

Apply Now

Personal Loans

Finance a variety of major items such as furniture, school supplies, vacation, debt consolidation and emergencies.

  • Affordable low interest rates
  • Various terms
  • Borrow unsecured up to $25,000 maximum

Apply Now

Guaranteed Asset Protection

There could be a big difference between what your insurance will pay and what you owe on your consumer loan.

Most vehicles depreciate by thousands of dollars the instant you drive it off the dealer lot. Unfortunately, if your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared as a total loss, you are still liable to pay the difference or the 'gap' between your insurer's settlement and your loan balance.

GAP is low-cost coverage that pays the potentially high-cost difference between your insurance and loan balance. GAP can save you from making loan payments on a vehicle that is stolen or damaged beyond repair. GAP Plus also includes up to $1,000 toward your down payment of a replacement vehicle (where allowed by law) when financed with Southern Mass Credit Union.

Platinum Credit Card

Save money when making purchases, cash advances or transferring high interest rate card balances with our low rate Platinum Credit Card.

As low as 5.99% APR Introductory Rate*

Access your Platinum Card information anytime with our free Credit Card Online service. With Credit Card Online you know exactly how much you spent, available balance and make a payment.

Apply Now

*Annual Percentage Rate = APR. Introductory rate of 5.99%APR is available for the first twelve months upon account opening adjusting to Prime plus margin of 3.74% to qualifying members based on established underwriting guidelines and creditworthiness. Example: Currently Prime = 3.25% + margin 3.74% = 6.99%APR. Other rates and terms available. Offer subject to change. Some restrictions may apply. Cannot be used to pay off existing SMCU loan. Must register for free Credit Union Online to utilize Credit Card Online service.