This website requires Javascript to function correctly

See All | Contract
 
Auto Loans with Smart Financial

Auto refinance or new purchase. Either way, Smart saves you money.

Lower your car payments with a refinance or purchase a vehicle with no payments for 90 days! Refinance an auto loan at our low rate to reduce your monthly payment and increase your cash flow. Looking to purchase in this buyer’s market? Purchase a new or used vehicle and enjoy the savings from the start! Fixed rates starting at 1.99% up to 36 months and variable rates starting at 2.49% up to 84 months for qualified applicants.*

Looking for the lowest possible payment? Our variable rate loan1 may be just what you need. Contact our Smart Lending team to find out the best choice for your personal needs.

APR1  Term  Amount Monthly Payment Apply
2.49% 84 months $25,000 $324.62 Apply Now
2.49% 84 months $30,000 $389.54 Apply Now
2.49% 84 months $35,000 $454.46 Apply Now

Get In Touch Today!

phone icon

CALL

Give us a call at 713-407-1755 to speak with one of our lending specialists and apply over the phone!

computer icon

ONLINE

Secure your car loan from the comfort of your home by applying online!

branch icon

BRANCH

Stop into one of our branches and let our Smart Bankers help you through the process!

help icon

SMART AUTO DIRECT

Take advantage of our concierge service, Smart Auto Direct, to help you find the perfect car!

 

 

*RATES BASED ON TERM AND CREDIT APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION AND BASED ON CREDIT APPROVAL AND AMOUNT OF LOAN. 1.99%* IS A FIXED RATE FOR 36-MONTHS AND INCLUSIVE OF ALL DISCOUNTS. (84-MONTH TERM AVAILABLE AT A VARIABLE RATE ONLY.) EXCLUDES EXISTING SMART FINANCIAL LOANS. NOT VALID WITH ANY OTHER OFFERS. OFFER SUBJECT TO CHANGE WITHOUT NOTICE.

1VARIABLE RATE: FOR THE FIRST 12 MONTHS, YOUR INTRODUCTORY APR WILL BE FIXED AT THE RATE DISCLOSED ABOVE. THEREAFTER, THE ANNUAL PERCENTAGE RATE WILL BE BASED ON THE WALL STREET JOURNAL PRIME RATE PLUS A MARGIN AND MAY INCREASE OR DECREASE DURING THE TERM OF THIS TRANSACTION. THE ANNUAL PERCENTAGE RATE WILL NOT INCREASE OR DECREASE MORE THAN 1 PERCENTAGE POINT PER ADJUSTMENT AND NEVER FALL BELOW THE INITIAL ANNUAL PERCENTAGE RATE OR EXCEED 17.99%. AN INCREASE OR DECREASE WILL TAKE EFFECT EVERY 12 MONTHS ON THE DATE OF THE INITIAL LOAN AND WILL BE ROUNDED OFF TO THE NEAREST 1/8TH%. ANY INCREASE WILL TAKE THE FORM OF HIGHER PAYMENTS. EXAMPLE: IF YOUR LOAN WAS $10,000 AT 6.00% FOR 84 MONTHS AND THE RATE INCREASED TO 7.00% AFTER THE FIRST YEAR, YOUR MONTHLY PAYMENT WOULD INCREASE BY $4.18. YOU WILL BE NOTIFIED IN WRITING 45 DAYS BEFORE THE DUE DATE OF A PAYMENT AT A NEW LEVEL. THIS NOTICE WILL CONTAIN INFORMATION ABOUT YOUR INTEREST RATES, PAYMENT AMOUNT, AND LOAN BALANCE.