Don't miss out on the best deal we've ever offered on new and used vehicles.
For a limited time, we are offering members the historically low rate of 1.99%* APR with no payments for 3 months on new and used vehicles. With dealerships overstocked with 2020 models, now is the time to act if you are looking to buy new. If you prefer to buy used, we got you covered! Enjoy fixed rates starting at 1.99%* APR up to 60 months, and variable rates starting at 1.99%* APR up to 84 months, for qualified applicants.* Combine our low rate with a manufacturer rebate, and you may be looking at seriously low payments!
Love your car, but don’t love your payments? Trade in your auto loan for a better one at Smart Financial. If you don’t want to buy, but want to lower your current loan payments, let us refinance your vehicle at our low rate of 1.99%* APR. Restrictions may apply.*
Don’t be fooled by zero interest financing offers! Dealerships may boast 0% financing, but these deals typically come with a catch. Most dealerships allow you to choose either low interest financing or a manufacturer rebate, but not both. With us, you can take advantage of both a low rate and manufacturer rebate!
Looking for the lowest possible monthly payment? Our variable rate loan may be just what you need. Before making a commitment to a dealership, let our Lending team run your numbers. With the lowest rate we’ve ever offered, we may be able to offer lower monthly payments than a dealership. To find out, call us at 713-407-1755 or apply online with no commitment required.
Look at the below comparison charts to see how Smart Financial monthly payments at 1.99%* APR with a rebate are lower than zero interest financing at a dealership without a rebate.
with manufacturer rebate
with manufacturer rebate
without manufacturer rebate
Please note that the above charts show possible payment scenarios using a $4,000 manufacturer rebate with our promotional rate and terms. Your monthly payments may be different and are dependent on a number of variables.
Get In Touch Today!
Give us a call at 713-407-1755 to speak with one of our lending specialists and apply over the phone!
Secure your car loan from the comfort of your home by applying online!
Stop into one of our branches and let our Smart Bankers help you through the process!
SMART AUTO DIRECT
Take advantage of our concierge service, Smart Auto Direct, to help you find the perfect car!