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Finance or refinance an auto loan and earn the chance to win up to $25,000!

You won't want to pass this up! Every auto loan booked before July 31st earns one entry to win. If you win, we will pay off the amount of your auto loan up to $25,000. Hometown Heroes earn two entries to win! See contest rules for full details.

Refinance with Smart Financial. With dealership inventory shortages expected to extend through the summer, your car buying options may feel limited. Reduce your payments and increase your cash flow by refinancing your current auto loan at our 1.99%* promotional rate with flexible terms available.

You won't want to pass this up! Every auto loan booked before July 31st earns one entry to win. If you win, we will pay off the amount of your auto loan up to $25,000. Hometown Heroes earn two entries to win! See contest rules for full details.

Refinance with Smart Financial. With dealership inventory shortages expected to extend through the summer, your car buying options may feel limited. Reduce your payments and increase your cash flow by refinancing your current auto loan at our 1.99%* promotional rate with flexible terms available.

To find out how much you could save with a refinance, use our auto refinance calculator.

  • Fixed rates starting at 1.99% for 36, 48 and 60 month terms*
  • Fixed rates starting at 2.49% for 72 month term*
  • Variable rates starting at 1.99% for 84 month term only**

View rates schedule

Find the car. Price the car. Drive the car.

If you are on the hunt for a new or used vehicle, Smart Auto Direct has everything you need to search, research, and compare pricing online without all the pushy sales ads and redirects. Apply now to find out how much you can borrow.

Looking for the lowest possible monthly payment?

Our 84-month variable rate loan may be right for you. Below are examples of monthly payments during the first year of a variable rate auto loan. Payment amounts will fluctuate as the rate changes during the term of the loan. Your rate will not increase more than 1% every 12 months.**

Swipe left below to view more term options.

APR Term Amount Monthly Payment
1.99%* 84 months $25,000 $319
1.99%* 84 months $30,000 $383
1.99%* 84 months $35,000 $447

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Get In Touch Today!

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CALL

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

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ONLINE

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

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BRANCH

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

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SMART AUTO DIRECT

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

25K Giveaway Contest Rules

Primary applicants on auto purchases and refinances approved and booked during the promotional period earn one (1) entry to win up to $25,000, or the amount of the loan, whichever is less. Auto refinances exclude existing Smart Financial loans. Current educators, first responders, military and medical professionals who book an auto loan within the promotional period earn two (2) entries to win. Must be able to provide proof of current employment in qualifying profession. Winner will be notified by phone or email and may be announced on social media with member’s permission. Winnings will be applied to qualifying auto loan principal balance within 5 days of the drawing. The minimum loan amount to earn an entry into the contest is $5,000. All loans subject to credit and collateral approval. Offer good from June 1, 2021 through July 31, 2021 and is not valid with any other offers. Subject to change without notice. Loan must be booked by July 31, 2021 to qualify for this promotion.

*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, 48, AND 60-MONTH TERMS. 2.49% IS A FIXED RATE FOR 72-MONTH TERM. 84-MONTH TERM AVAILABLE AT A VARIABLE RATE ONLY. RATES ARE INCLUSIVE OF ALL DISCOUNTS. EXCLUDES EXISTING SMART FINANCIAL LOANS. NOT VALID WITH ANY OTHER OFFERS. OFFER SUBJECT TO CHANGE WITHOUT NOTICE.

**VARIABLE RATE: FOR THE FIRST 12 MONTHS, YOUR INTRODUCTORY APR WILL BE FIXED. 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.