PERSONAL LOANS

Free up your cash.
Free up your mind.

Make plans for a stress-free summer!

Don't let financial worries ruin the season. We offer several options to help you free up cash so you can relax and enjoy the breeze this summer. With rates as low as 5.49%* on Auto Refinancing and 8.99%** on Debt Consolidation, now may be the perfect time to restructure your debt and put more cash in your pocket. We offer cashflow solutions for homeowners, too.

Reduce your car payments with a low interest refinance.

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

Turn equity in your home into easily accessible funds.

How can we help you?

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.

I have an auto 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 . RATES ARE DEPENDENT ON CREDIT WORTHINESS. YOUR RATE WILL BE DETERMINED ONCE YOUR APPLICATION HAS BEEN PROCESSED AND APPROVED. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.

*AUTO LOAN RATE BASED ON TERM AND CREDIT APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION AND BASED ON CREDIT APPROVAL AND AMOUNT OF LOAN. 5.49% IS FIXED RATE FOR 36 MONTHS. EXCLUDES EXISTING SMART FINANCIAL LOANS. NOT VALID WITH ANY OTHER OFFERS. OFFER SUBJECT TO CHANGE WITHOUT NOTICE.

**SIGNATURE LOAN: 8.99% 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. REVERTS TO A VARIABLE RATE BASED ON PRIME RATE PLUS A MARGIN. RATE WILL NOT DECREASE BELOW THE INITIAL 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 $4000 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. SUBJECT TO CHANGE WITHOUT NOTICE. NMLS #456807 **VARIABLE RATE: 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.