PERSONAL LOANS

Take a vacation from debt!

Free up your cash with these cash flow solutions.

Flexible cash flow options for your debt vacation. 

Feel like you need a break from mounting debt? The credit card bad guys are charging such high rates, it's hard to even make a dent. Smart Financial is offering a vacation from your debt! With attractive debt consolidation rates as low as 9.49%* and options on home equity and HELOCs, your vacation is just a few clicks away! Restructure your debt and put more cash in your pocket. 

Refinance your mortgage and cash out an extra lump sum.

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Get rid of high interest debt with a low interest loan.

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Turn equity in your home into easily accessible funds.

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We invite you to take a look at our free Credit Score perk that can also help you set a path to a permanent financial vacation. Get helpful tips on improving your score and other great financial and budgeting tools. All free to Smart Financial Members. Get started with Savvy Money Credit Score.

How can we help you?

We want to be your cash flow headquarters! If you have questions about any of our Loan Products, view the scenarios below that applies to you and answer a few quick questions by filling out the form. This will allow us to start working on a plan unique to your financial needs and get back to you on the options available to you for your debt vacation!

  • I have a home loan elsewhere and want lower payments.
  • I want to consolidate high interest debt into lower payments.
  • I need access to cash and have equity in my home.

Ask an expert

Have questions about personal loans or lines? Our lending team is ready to help. Learn about your loan options, and get personalized estimates for your situation.

Call us! If you would like to speak to a Cash Flow Expert, call us at 713-407-1755.

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Rates effective . 

*SIGNATURE LOAN: 9.49% IS FIXED RATE FOR 36-MONTH TERM. MINIMUM LOAN AMOUNTS DEPENDING ON TERM. RATES BASED ON TERM AND CREDIT APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION AND BASED ON CREDIT APPROVAL. RATES SUBJECT TO CHANGE WITHOUT NOTICE.

HELOC: RATE IS SUBJECT TO CREDIT APPROVAL AND WILL VARY BASED ON LIEN POSITION, TERM, AND LOAN AMOUNT. MINIMUM LOAN AMOUNT $15,000 AND MAXIMUM LOAN AMOUNT IS $250,000. INTRODUCTORY RATE IS FIXED FOR A 12-MONTH PERIOD THEN REVERTS TO A VARIABLE RATE BASED ON PRIME RATE PLUS A MARGIN. RATE WILL NOT DECREASE BELOW THE START RATE NOR WILL IT INCREASE ABOVE 15%. MAXIMUM LOAN TO VALUE IS 80%. RESTRICTIONS ON THE TYPE OF HOME USED AS COLLATERAL SUCH AS A MINIMUM PROPERTY VALUE OF $50,000. BORROWER MAY BE RESPONSIBLE FOR CERTAIN CLOSING COSTS WHICH MAY INCLUDE TITLE INSURANCE, APPRAISAL FEE, AND SURVEY COSTS. HAZARD INSURANCE IS REQUIRED, INCLUDING FLOOD INSURANCE, INCLUDING A $100 CLOSING COST AND AN ANNUAL FEE OF $50. CLOSING COSTS MAY NOT BE FINANCED UNDER THE TEXAS FINANCE CODE. ALL FEES ARE TO BE PAID UPFRONT BY THE BORROWER. DRAW PERIOD UP TO 10 YEARS WITH A REPAYMENT PERIOD OF 10 YEARS. DRAWS ARE RESTRICTED TO A MINIMUM OF $4,000 PER TEXAS LAW. SMART FINANCIAL CREDIT UNION MORTGAGE LOANS ARE AVAILABLE ONLY ON PROPERTY IN TEXAS. AS A SAFEGUARD, A 12-DAY COOLING-OFF PERIOD IS REQUIRED BY TEXAS LAW BEFORE HOME EQUITY LINES OF CREDIT LOANS MAY BE CLOSED. A 3-DAY RIGHT OF RESCISSION IS ALSO REQUIRED AFTER CLOSING BEFORE THE FUNDS MAY BE DISBURSED. OTHER CONDITIONS APPLY. SUBJECT TO CHANGE WITHOUT NOTICE.

CASH-OUT REFINANCE: FIXED RATE IS SUBJECT TO CREDIT APPROVAL AND WILL VARY BASED ON LIEN POSITION, TERM, AND LOAN AMOUNT. MAXIMUM LOAN TO VALUE IS 80% (CONDOS 70%). MINIMUM LOAN AMOUNT IS $15,000 AND MAXIMUM LOAN AMOUNT IS $250,000. RESTRICTIONS ON THE TYPE OF HOME USED AS COLLATERAL SUCH AS A MINIMUM PROPERTY VALUE OF $50,000. BORROWER MAY BE RESPONSIBLE FOR CERTAIN CLOSING COSTS WHICH MAY INCLUDE TITLE INSURANCE, APPRAISAL FEE, AND SURVEY COSTS. SMART FINANCIAL CREDIT UNION MORTGAGE LOANS ARE AVAILABLE ONLY ON PROPERTY IN TEXAS. AS A SAFEGUARD, A 12-DAY COOLING-OFF PERIOD IS REQUIRED BY TEXAS LAW BEFORE CASH-OUT REFINANCE LOANS MAY BE CLOSED. A 3-DAY RIGHT OF RESCISSION IS ALSO REQUIRED AFTER CLOSING BEFORE THE FUNDS MAY BE DISBURSED. OTHER CONDITIONS APPLY. SUBJECT TO CHANGE WITHOUT NOTICE.