Fed up with high rates?

While others wait on the Fed to lower rates, Smart Financial takes care of its members. We decided to take matters into our own hands with a rate reduction on our auto loans. Whether buying new, used, or refinancing your current car, our lower rates mean lower monthly payments and more money staying in your pocket. 

The Fed may not be in a hurry to cut rates—good thing we are! Our rates are as low as 4.49% APR^*! View all rates

Smart Financial offers a variety of auto loan terms to best meet your needs and now the new 84-month loan gives you even more choice on how to be smart with your money! Our 84-month 6.49% APR^** fixed rate auto loan can help you get that new car you need and  keep your monthly payment as low as possible! By spreading your auto loan over 84 months, you can secure a competitive interest rate and increase your monthly cash flow. You'll have the flexibility to make additional payments to help pay off your loan sooner, or keep the extra cash for other needs.

Our auto loans come with a No Payment For 60 Days^*** for qualified buyers that can put extra cash in your pockets.

Ask your Lending Specialist about our loan protection products.