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Welcome to is a credit union for everyone. We help consumers from California to solve their financial problems, check cash, and ensure their goods. Since 2008, SMIFCU shares its products and services all around the state. We improved our financial expertise each year by employing lending agents with 15 years of experience and thousands of signed contracts. It is our pleasure to serve the California people and create trusted relationships.

Our team of financial experts welcomes people who need:

  • Loans
  • Check Cashing Services
  • Insurance Services
  • Savings account maintenance.

Together with our partners (private direct lenders, insurance companies, and other credit unions), we provide the following types of loans:

  • Payday Loans. Short-term emergency loans you repay on your next paycheck.
    Amounts: $100 - $1,000, repayment terms: 15 - 30 days. APR < 400%
  • Installment Loans. Medium-term cash loans you repay with fixed monthly installments.
    Amounts: $1,000 - $5,000, repayment terms: 2 - 24 months, APR < 6% - 8%
  • Personal Loans. Long-term installment loans with a fixed monthly repayment schedule.
    Amounts: $5,000 - $15,000, repayment terms: 2 - 36 months. APR < 6% - 8%.
  • Title Loans. Secured cash loans with collateral required (vehicle, real estate, other valuable objects).
    Amounts and repayment terms vary by the value of the collateral.

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