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Auto purchase or refinance. Smart saves you money.
Looking to purchase a new or used vehicle? Our rates start at 4.99%* 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 |
|---|---|---|---|
| 4.99%* | 84 months | $25,000 | $348 |
| 4.99%* | 84 months | $30,000 | $417 |
| 4.99%* | 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.
**Rates may differ depending on borrower creditworthiness and underwriting factors.