VEHICLE LOANS

Auto Loans

Financing that gets you moving with rates as low as 4.24%*.

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Auto purchase or refinance. Smart saves you money.

Looking to purchase a new or used vehicle? Our rates start at 4.24%* 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.

NEW! Roadside Assistance now included with your Smart Financial auto loan at no charge!** Nobody ever plans to have an auto incident, however, now you are prepared in the unlikely event one occurs. With this added benefit, you are entitled to up to three (3) events per calendar year, including towing, fuel delivery, tire change, lockout service and battery boost.

Ask your Lending Specialist about our loan protection products.

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
4.24%* 84 months $25,000 $348
4.24%* 84 months $30,000 $417
4.24%* 84 months $35,000 $486

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

What would my monthly auto loan payment be?

Many factors go into determining the final loan amount for the purchase of a new or used vehicle. These factors include any manufacturer's rebate, the trade-in value of your old vehicle less any outstanding balance, your down payment, etc. Once the loan amount is determined the interest rate and the term of the loan will be used to estimate your vehicle payment.

Loan Amount

Assumptions

**Rates may differ depending on borrower creditworthiness and underwriting factors.

 

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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.

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

Our concierge service, Smart Auto Direct, to help you find the perfect car.

*RATE IS SUBJECT TO CREDIT APPROVAL. 4.24% IS A VARIABLE RATE FOR 84-MONTH TERM ONLY. 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. MINIMUM LOAN AMOUNT IS $25,000. EXCLUDES EXISTING SMART FINANCIAL LOANS. OFFER SUBJECT TO CHANGE WITHOUT NOTICE. OTHER CONDITIONS APPLY.

** THIS PROGRAM APPLIES TO NEW LOANS ONLY EFFECTIVE 2/1/2023. THIS INCLUDES AUTO NEW, AUTO USED, AUTO NEW ADJUSTABLE, AND AUTO USED ADJUSTABLE PRODUCTS ONLY. THIS IS NOT AN INSURANCE CONTRACT NOR AN AUTOMOBILE LIABILITY OR PHYSICAL DAMAGE POLICY AND DOES NOT COMPLY WITH ANY FINANCIAL RESPONSIBILITY LAW. THERE IS A THREE (3) DAY WAITING PERIOD FROM THE CLOSING DATE BEFORE YOUR ELIGIBILITY FOR THE SERVICE GOES INTO EFFECT. FUEL COSTS ARE PAYABLE BY MEMBER AT TIME OF DISPATCH. TOW BENEFITS ARE LIMITED TO THE NEAREST QUALIFIED REPAIR FACILITY UP TO THE MAXIMUM BENEFIT AMOUNT OF $150.00 IF MEMBER EXPERIENCES A FLAT TIRE, MEMBER MAY REQUEST A SERVICE TECHNICIAN TO REPLACE THE DAMAGED TIRE. MEMBER MUST PROVIDE THE WORKING SPARE TIRE. OTHER CONDITIONS MAY APPLY. SEE EMERGENCY ROADSIDE ASSISTANCE PLAN PARAMETERS FOR FULL DETAILS AND DISCLOSURES. EXCLUDES EXISTING SMART FINANCIAL LOANS. ROADSIDE ASSISTANCE IS PROVIDED BY NATION MOTOR CLUB, LLC, A PROVIDER OF SMART FINANCIAL.