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I need a little cash, and I need it now!

Need funds right away? We now offer Emergency Loans from $500 to $1,100 with a maximum 6-month term1. Apply today to get the ball rolling!

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A personal loan with flexible terms

Waiting on insurance claim check or have a deductible to meet? Forget high interest credit cards! Borrow between $2,500 and $50,000 without collateral. Rates start at 6.99%* with flexible payment terms available.

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Turn lemons into lemonade and renovate!

If you’ve got storm damage, why not remodel? Home Equity Loans are a great low interest option. Take advantage of flexible terms and it may boost your home’s value. Minimum loan amount is $15,0002.

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Mortgage repair claims

If you have a mortgage with us and suffered storm damage, let's begin the claims process together. Click below for a step-by-step guide and to download the insurance claim check approval form.

Guide and claim form

Smart Insurance claims

If you experienced a loss, Smart Insurance Group is here to help! Be sure to file all claims directly with your insurance carrier. Questions? Call us at 713-407-1994 or email us at smart_insurance@smartcu.org

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Ask our experts

Need financial assistance but don't know where to start? No problem! Click below to answer a few, short questions. We will contact you soon to discuss all of your options. Or reach out to our Lending Team at 713-407-1755 during normal business hours.

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*6.99% IS A FIXED RATE FOR UP TO 60-MONTHS AND INCLUSIVE OF ALL DISCOUNTS. VARIABLE RATE AVAILABLE FOR 84-MONTH TERM ONLY. 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. OFFER SUBJECT TO CHANGE WITHOUT NOTICE.

1ONE EMERGENCY LOAN PER MEMBER PER 12-MONTH CALENDAR PERIOD. MAXIMUM REPAYMENT TERM IS 6 MONTHS. MINIMUM LOAN AMOUNT IS $500. MAXIMUM LOAN AMOUNT IS $1,100. INTEREST RATE IS 28% AND IS DETERMINED AT TIME OF APPLICATION BASED ON CREDIT APPROVAL.

2Under Texas law, the maximum amount you can borrow with any Home Equity Loan is 80% of your home's appraised value. Loans subject to credit approval. Rates and terms are for illustrative purposes only and are subject to change without notice. Other restrictions apply. Your specific rate and term will be dependent upon your credit rating, collateral value, amount financed, lien position and other factors. Borrower may be responsible for certain closing costs which may include title insurance, appraisal fee, and survey costs if the loan amount is over $150,000. Minimum loan amount is $15,000 for all terms.

Examples of estimated payments based on $50,000 loan amount:

3% for 180 months $345.29

3.25% for 240 months on 1st lien loans $283.60

4% for 180 months on 2nd lien loans $369.84

NMLS #456807