Lower your monthly car payment by refinancing with Smart Financial. You could potentially cut thousands from the final cost of your vehicle, reduce your monthly payment, and reduce or extend the refinancing term to better suit your financial needs. Auto loan fixed rates start at 2.49% for qualified loans.*
Give us a call at 713-407-1755 to speak with one of our lending specialists and apply over the phone!
Secure your car loan from the comfort of your home by applying online!
Stop into one of our branches and let our Smart Bankers help you through the process!
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. 2.49* IS A FIXED RATE FOR 36-MONTHS AND INCLUSIVE OF ALL DISCOUNTS. (84-MONTH TERM AVAILABLE AT A VARIABLE RATE ONLY.) NOT VALID WITH ANY OTHER OFFERS. OFFER SUBJECT TO CHANGE WITHOUT NOTICE.
1*Variable Rate: If checked, 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.