Smart Auto Direct is Smart Financial Credit Union’s answer to improving our members’ car buying experience. At Smart Financial, taking care of our members is our top priority. We understand the hassles of purchasing a new vehicle; for that reason, we have developed a solution to aid you in finding the perfect car for you. Smart Auto Direct is designed to streamline the car buying process by giving you a tool to research your options and even build the dream car you have always wanted. From that point, you can let us do the rest. We work with an extensive list of preferred auto dealers to find you additional options for your next vehicle purchase.


Get Pre-Approved Today! Click here to apply online or call our Lending Representative at 713-407-1996, or visit us at any SFCU branch location!

Build Your Vehicle! Once pre-approved, you will get an e-mail from your designated Lending Specialist with a link to build your car.

Let Us Find Your Dream Car! Once you have built your auto to your exact specifications, let our team do the work to get you the no hassle credit union price from our preferred dealers. We then present you with all options and you get to choose which dealer you wish to purchase from. After your decision has been made, our team will set up your appointment for a demo drive with a dealer representative.

Drive Home Happy! Once you have test driven the auto and have made the decision to purchase, just sign the title paperwork, and you'll be off in your new auto! Smart Financial Credit Union will provide the funding directly to the dealer. This program is intended solely for our pre-approved members to give them additional options to buy their new or used vehicle the SMART way.