Personal Loans | Smart Financial

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    Personal Loans & Line of Credit

    We can help you get the funds you need to accomplish your goals.

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    As your Credit Union, we believe you should be covered for life’s unexpected expenses. Smart Financial Signature/Personal Loans are ideal to help you with those unexpected expenses such as car repairs, medical bills, vacations, or other necessities. Smart Financial offers signature loans and debt consolidation loans to our members with low interest rates.

    CreditLine (Line of Credit): Members can establish a signature Line of Credit and draw from it whenever they wish. Members can access their Lines of Credit through SmartLine; using our touch-tone telephone service; by online banking application; and, through tellers in a Smart Financial branch lobby. Overdraft protection for your Smart Financial checking account is also available.

    Debt Consolidation: Members can borrow up to $50,000 (based on credit worthiness) for the purpose of consolidating existing loans. Maximum term is 60 months.

    Personal Loans Rates:

    Product Interest Rate APR*
    Signature/Personal 6.24%** - 17.99%
    Revolving Line of Credit (Creditline) 9.49%** - 17.99%
    Saving (Share) Secured

    Installment Loan

    Share rate plus 3.00% - 4.00%

    Base on current share rate. loans under $5000.00 will be at Share Rate Plus 4.00% APR. Loans over $5000.00 will be at Share Rate Plus 3.00% APR. Rates may change if Share Rate Changes.

    Single Payment Loan

    Share rate plus 4.00% - 5.00%

    Base on current share rate. loans under $5000.00 will be at Share Rate Plus 5.00% APR. Loans over $5000.00 will be at Share Rate Plus 4.00% APR. Rates may change if Share Rate Changes.

    Certificate of Deposit Secured

    Installment Loan

    Certificate rate plus 3.00% - 4.00% rounded up to the next ¼%

    Base on current CD rate at the time of loan. Loans under $5000.00 are CD Rate Plus 4.00% APR. Loans over $5000.00 are CD Rate Plus 3.00% APR. Rates May change if CD matures during the loan term.

    Single Payment Loan

    Certificate rate plus 4.00% - 5.00% rounded up to the next ¼%

    Base on current CD rate at the time of loan. Loans under $5000.00 are CD Rate Plus 5.00% APR. Loans over $5000.00 are CD Rate Plus 4.00% APR. Rates May change if CD matures during the loan term.

    Other collateral 5.24%** to 17.49%

    *All rates are inclusive of all discounts and are dependent on credit worthiness. Your rate will be determined once your application has been processed and approved. Rates are subject to change without notice.

    ** Lowest rate includes Auto-Pay and Member Loyalty discounts, if applicable.

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      1.800.392.5084

    • Routing Number:

      313083578