VEHICLE LOANS

Auto Loans

Auto Loans in Houston, TX & surrounding areas with rates as low as 3.99% APR*.

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Auto purchase or refinance. Smart saves you money.

Looking to purchase a new or used vehicle? Our rates start at 3.99% APR* 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.

Smart car buying starts with smart financing. Dealer financing isn't always the best deal. While dealerships often require you to choose between low financing and manufacturer rebates, credit union loans let you take both. Speak with a loan officer before visiting the dealership to understand your best rate, target vehicle price, and available loan protection products that keep your long-term goals and immediate cash flow in mind. 

Check out our Free Auto Buying Guide and FAQ for helpful insights to guide you through securing an auto loan!

Credit Union auto loans in Houston, TX and surrounding areas

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 84-month 5.99% APR** fixed rate auto loan can help you get that new car you need 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.

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.

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**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

Smart Auto Direct can help you find the perfect car and save you time from searching multiple websites. 

*APR= ANNUAL PERCENTAGE RATE.  RATE IS SUBJECT TO CREDIT APPROVAL. 3.99% IS A FIXED RATE FOR 36-MONTH TERM ONLY. OFFER SUBJECT TO CHANGE WITHOUT NOTICE. OTHER CONDITIONS APPLY.

**APR= ANNUAL PERCENTAGE RATE. RATE IS SUBJECT TO CREDIT APPROVAL. 5.99% IS A FIXED RATE FOR 84-MONTH TERM ONLY. MINIMUM LOAN AMOUNT IS $25,000. 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.