All Smart Financial locations will be closed this Wednesday, June 19th in observance of Juneteenth. Our normal business hours will resume on June 20.

VEHICLE LOANS

Auto Loans

Financing that gets you moving with rates as low as 5.99%*.

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Auto purchase or refinance. Smart saves you money.

Looking to purchase a new or used vehicle? Our rates start at 5.99%* 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! We recognize that it’s tough out there - you may need a new car but a high monthly payment may be more than you can handle. That's why we're introducing a new 84-month 7.24%** fixed rate auto loan that can help you get that car and keep your monthly payment as low as possible! By spreading your auto loan over 84 months, you can secure a competitive interest rate and increase your monthly cash flow. You'll have the flexibility to make additional payments to help pay off your loan sooner, or keep the extra cash for other needs.

Smart Financial offers a variety of auto loan terms to best meet your needs and now the new 84-month loan gives you even more choice on how to be smart with your money!

Our auto loans come with a No Payment For 60 Days*** for qualified buyers that can put extra cash in your pockets.

Ask your Lending Specialist about our loan protection products.

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.

 

Looking 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.

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. 5.99% IS A FIXED RATE FOR 36-MONTH TERM ONLY. EXCLUDES EXISTING SMART FINANCIAL LOANS. OFFER SUBJECT TO CHANGE WITHOUT NOTICE. OTHER CONDITIONS APPLY.

**RATE IS SUBJECT TO CREDIT APPROVAL. 7.24% IS A FIXED RATE FOR 84-MONTH TERM ONLY. MINIMUM LOAN AMOUNT IS $25,000. EXCLUDES EXISTING SMART FINANCIAL LOANS. OFFER SUBJECT TO CHANGE WITHOUT NOTICE. OTHER CONDITIONS APPLY.

***NO PAYMENT FOR 60 DAYS FOR QUALIFIED APPLICANTS. SOME RESTRICTIONS MAY APPLY. OFFER SUBJECT TO CHANGE WITHOUT NOTICE. ADDITIONAL RESTRICTIONS MAY APPLY.