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

Looking to purchase a new or used vehicle? Our rates start at 1.74%* for qualified applicants. If you love the car you have, refinance your current auto loan at our low rate to reduce your monthly payment and increase your cash flow. Restrictions apply. Ask your Lending Specialist about our loan protection products.

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

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View rates schedule

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.**

APR	Term	Amount	Monthly Payment
1.74%*	84 months	$25,000	$316
1.74%*	84 months	$30,000	$380
1.74%*	84 months	$35,000	$443

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.

Ready to purchase an RV, Boat or Motorcycle?

We got you covered.

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Get In Touch Today!

CALL

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

ONLINE

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

BRANCH

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. 1.74% IS FIXED RATE FOR 36 MONTHS. 1.99% IS FIXED RATE FOR 48 MONTHS. 2.24% IS FIXED RATE FOR 60-MONTHS. 2.49% IS FIXED RATE FOR 72-MONTHS. 1.74% IS VARIABLE RATE FOR 84-MONTH TERM ONLY. 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 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.