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Fall Rates
Fall Rates

Special Rates for the New Season

Costs are rising for practically everything, except at Smart Financial! We are always looking for ways to save our members money as we partner with you on your financial journey. For a limited time, we are dropping our rates by .50% on our consumer loan products! Advertised rates include the rate reduction. Plus, Smart Financial also offers No Payments for 90 days on new or used auto loans*, putting even more cash in your pocket! Let's take a look at your financial needs and discover how Smart Financial can help.

Auto Loans

Take advantage of falling rates on auto refinances or purchases.

Refinancing your auto loan to a lower rate can add up to extra cash that can be used elsewhere or put into savings for a rainy day. Looking to purchase a new car? We can help you secure a great rate and make your car buying experience smooth and easy! 

 

Special Limited Time Auto Loan rates
as low as

2.49%1

View rates & fees

Terms available for 36, 48, 60, 72 and 84 months1

Signature Loans

Get rid of high-interest debt or lock in a low rate for your next purchase.

Consolidating your credit card or other high interest debt can mean lower monthly payments, faster repayment, and more cash in your pocket. Our Signature Debt Consolidation Loan with special pricing can save you some serious money! 

 

Special Limited Time Signature Loan
rates as low as

6.49%2

View rates & fees

Terms available for 36, 48, 60 and 84 months2

Monthly payments on a $30,000 Auto Loan at our lowest rates

$389 $478 $555
2.49%** for 84 month term (variable) 3.99%* for 72 month term (fixed) 3.49%* for 60 month term (fixed)

The above payment amounts reflect what payments could be if financed at our current interest rates and do not represent all terms available.
**Variable Rate payment amounts will fluctuate as the rate changes during the term of the loan. Your rate will not increase more than 1% every 12 months. See variable rate disclosure at the bottom of webpage for more information.
*See fixed rate disclosure at the bottom of webpage for more information.

Monthly payments on a $10,000 Signature Loan at our lowest rates

$148 $205 $241
6.49%** for 84 month term (variable) 8.49%* for 60 month term (fixed) 7.49%* for 48 month term (fixed)

The above payment amounts reflect what payments could be if financed at our current interest rates and do not represent all terms available. Monthly payments represent credit card, or other revolving debt refinanced as a Personal (Signature) installment loan.
**Variable rate payment amounts will fluctuate as the rate changes during the term of the loan. Your rate will not increase more than 1% every 12 months. See variable rate disclosure at the bottom of webpage for more information.
*See fixed rate disclosure at the bottom of webpage for more information.

 

If you have questions about any of our Loan Products, select the scenario below that applies to you and answer a few quick questions. This will allow us to start working on a plan unique to your financial needs and get back to you with our suggestions.

Speak directly to a Lending Specialist

Auto or Signature Loan Questions?
Reach out to us at 713-407-1755 or email us at remotelending@smartcu.org

Remote Lending Team Hours:
9 am - 5 pm (M, T, Th, F)
9 am - 2 pm (Wed. & Sat.)

 

ADVERTISED RATES INCLUDE THE .50% RATE REDUCTION. LIMITED TIME OFFER. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.

*90 DAYS NO PAYMENT IS A LIMITED TIME OFFER. INTEREST WILL ACCRUE DURING THE DEFERMENT PERIOD. OFFER SUBJECT TO CHANGE WITHOUT NOTICE.

1AUTO LOAN: 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. 2.49% IS FIXED RATE FOR 36 MONTHS. 2.99% IS FIXED RATE FOR 48 MONTHS. 3.49% IS FIXED RATE FOR 60 MONTHS. 3.99% IS FIXED RATE FOR 72 MONTHS. 2.49% IS VARIABLE RATE FOR 84-MONTH TERM ONLY. EXCLUDES EXISTING SMART FINANCIAL LOANS. OFFER SUBJECT TO CHANGE WITHOUT NOTICE. OTHER TERMS AND CONDITIONS MAY APPLY.

2SIGNATURE LOAN: 6.49% IS FIXED RATE FOR 36-MONTH TERM. 7.49% IS FIXED RATE FOR 48-MONTH TERM. 8.49% IS FIXED RATE FOR 60-MONTH TERM. 6.49% IS VARIABLE RATE 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. RATES SUBJECT TO CHANGE WITHOUT NOTICE. OTHER TERMS AND CONDITIONS MAY APPLY.