ATTENTION! As we approach the Holidays, scammers may try to spoof SFCU phone numbers in order to gain access to your accounts. DO NOT give out your login information or passcodes. Smart Financial will never call you and ask for sensitive account information. Always verify the identity of the caller by hanging up and calling us back at (713) 850 1600.

LIMITED TIME RATES

Loan Rates are Falling

We're dropping our rates by .50% for a limited time!

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Auto Loans

Ready for a new ride? We're here to make it happen. Fall in love with low rates on a new or used vehicle. Or, keep your current car and leave that high rate behind with a low rate auto refinance. Our auto loan rates are currently as low as 3.99% APR!*

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Personal Loans

Life has a way of presenting opportunities when we least expect them.  Whether it's  an unexpected expense or preparations for the upcoming holiday season, our 8.49% APR** personal loans give you the flexibility to move forward with confidence.

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Debt Consolidation 

Managing multiple payments each month can feel overwhelming. A debt consolidation loan brings everything together into one simple payment, often at a lower rate. Get rid of high interest debt with rates as low as 8.49% APR!**

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Fall in love with low rates

Whether you're planning a big purchase for the holidays or looking to simplify your finances for the new year, this could be the perfect time to explore your options. Smart Financial offers a variety of loan terms to best meet your needs. Plus, our loans come with No Payment For 60 Days***. Don't miss these rates, available through year end!

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Ask an expert

Have questions about our loans? 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 Lending Specialist, call us at 713-407-1755

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APR= ANNUAL PERCENTAGE RATE.

*ADVERTISED RATE IS A FIXED RATE FOR 36-MONTH TERM ONLY. TERMS OF REPAYMENT EXAMPLE: A $15,000 AUTO LOAN WITH A 36-MONTH TERM AT 3.99% APR EQUALS A $442.79 MONTHLY PAYMENT. RATE IS SUBJECT TO CREDIT APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION. OFFER SUBJECT TO CHANGE WITHOUT NOTICE. OTHER CONDITIONS APPLY.

**ADVERTISED RATE IS A FIXED RATE FOR A 24-MONTH TERM ONLY. TERMS OF REPAYMENT EXAMPLE: A $2,500 SIGNATURE LOAN WITH A 24-MONTH TERM AT 8.49% APR EQUALS A $113.63 MONTHLY PAYMENT. RATE IS SUBJECT TO CREDIT APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION. OFFER SUBJECT TO CHANGE WITHOUT NOTICE. OTHER CONDITIONS APPLY.

***PAYMENT DEFERRAL FOR UP TO 60 DAYS AVAILABLE TO QUALIFIED APPLICANTS. INTEREST WILL BE CHARGED TO YOUR ACCOUNT FROM THE ORIGINAL LOAN DATE ON THE UNPAID BALANCE DURING THE 60-DAY PAYMENT DEFERRAL PERIOD. SUBJECT TO CREDIT APPROVAL AND MAY NOT BE AVAILABLE WITH ALL LOAN TYPES OR TERMS.