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The Season for Low Auto Rates

Auto Rates as low as 2.99% up to 60 months*
No payments for up to 90 days*
including employee pricing** 



  1. Get your PRE-APPROVAL LETTER from Smart Financial by calling 713-407-1755 or by visiting your nearest branch.
  2. Contact Group 1 Automotive VIP Services to receive your EMPLOYEE PRICING CERTIFICATE.
    1-888-977-8790 | |
  3. Bring your EMPLOYEE PRICING CERTIFICATE and PRE-APPROVAL LETTER to any of the participating dealerships for employee pricing eligibility.

Participating Dealerships in the Greater Houston Area

  • Sterling McCall Acura
  • Advantage BMW Clear Lake
  • Advantage BMW Midtown
  • Sterling McCall Buick GMC
  • David Taylor Cadillac
  • Munday Chevrolet
  • Sterling McCall Ford
  • Sterling McCall Genesis
  • South Loop Genesis
  • Sterling McCall Honda
  • Munday Mazda
  • MINI of Clear Lake
  • Sterling McCall Nissan
  • South Loop Hyundai
  • Sterling McCall Hyundai
  • Sterling McCall Toyota
  • Fort Bend Toyota
*2.99% rate for up to 60 months is offered to well-qualified borrowers and includes discounts for auto-pay and repeat SFCU loan business.  Smart Financial may limit the amount of rate discounts a borrower is eligible to receive.  Qualified borrowers may have the option to defer payments up to 90 days.  All loans subject to approval based on creditworthiness and collateral.  Minimum auto loan amount is $5,000.  Promotional period begins October 1, 2018 and ends December 31, 2018.  Details of promotion subject to change without notice.
**Employee pricing or dealer discounts are provided by select partner dealerships, which are not affiliated with Smart Financial Credit Union.  Vehicle must be financed with Smart Financial Credit Union to receive discounts.  See dealer representative for additional details.