SPECIAL AUTO LOAN RATES

Houston Heroes enjoy Auto Loan rates as low as 3.99%!*

Don't let high auto loan rates be your kryptonite!

Our Houston Heroes are Super! Front-line first responders, teachers, medical staff, military and veterans all go above and beyond to keep us safe, healthy, and educated. Smart Financial Credit Union is proud to be the financial home to so many Houston Heroes! We're saying thanks by offering a .25% discount over our already low auto loan rates - this means we can put you in a new or used car starting at 3.99%*.

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Plus, our auto loans now come with Roadside Assistance at no charge!** Nobody ever plans to have an auto incident, however, now you are prepared in the unlikely event one occurs. With this added benefit, you are entitled to up to three (3) events per calendar year, including towing, fuel delivery, tire change, lockout service and battery boost.

Let the Smart Squad stand by your side as you get that new batmobile. Give us a call at 713-407-1755 or click here to apply!

Ask an expert

Have questions about auto loans? Our lending team is ready to help. Learn about your loan options, and get personalized estimates for your next vehicle.

Call us! If you would like to speak to a Lending Specialist, call us at 713-407-1755.

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Rates effective . RATES ARE DEPENDENT ON CREDIT WORTHINESS. YOUR RATE WILL BE DETERMINED ONCE YOUR APPLICATION HAS BEEN PROCESSED AND APPROVED. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.

*REFINANCING A CURRENT SMART FINANCIAL LOAN DOES NOT QUALIFY FOR THIS PROMOTION.  NEW AND USED AUTO LOANS QUALIFY FOR THE SPECIAL PROMOTIONAL DISCOUNT.  TEACHERS/EDUCATORS, FIRST RESPONDERS, MILITARY, AND MEDICAL PROFESSIONALS WILL RECEIVE A .25% DISCOUNT ON APPROVED AUTO LOAN RATE. PROOF OF EMPLOYMENT WILL BE REQUIRED. 3.99% FIXED RATE IS THE LOWEST RATE OFFERED FOR A 36-MONTH TERM AND INCLUDED THE .25% PROMOTIONAL DISCOUNT. MINIMUM LOAN AMOUNT IS $5,000. ALL LOANS SUBJECT TO APPROVAL BASED ON CREDITWORTHINESS AND COLLATERAL. LOANS MUST BE APPROVED AND BOOKED BETWEEN MAY 15, 2023, AND JULY 15, 2023, TO QUALIFY FOR DISCOUNT. SMART FINANCIAL MAY LIMIT THE AMOUNT OF RATE DISCOUNTS A BORROWER IS ELIGIBLE TO RECEIVE. SUBJECT TO CHANGE WITHOUT NOTICE. OTHER CONDITIONS APPLY.

**THIS PROGRAM APPLIES TO NEW LOANS ONLY EFFECTIVE 2/1/2023. THIS INCLUDES AUTO NEW, AUTO USED, AUTO NEW ADJUSTABLE, AND AUTO USED ADJUSTABLE PRODUCTS ONLY. THIS IS NOT AN INSURANCE CONTRACT NOR AN AUTOMOBILE LIABILITY OR PHYSICAL DAMAGE POLICY AND DOES NOT COMPLY WITH ANY FINANCIAL RESPONSIBILITY LAW. THERE IS A THREE (3) DAY WAITING PERIOD FROM THE CLOSING DATE BEFORE YOUR ELIGIBILITY FOR THE SERVICE GOES INTO EFFECT. FUEL COSTS ARE PAYABLE BY MEMBER AT TIME OF DISPATCH. TOW BENEFITS ARE LIMITED TO THE NEAREST QUALIFIED REPAIR FACILITY UP TO THE MAXIMUM BENEFIT AMOUNT OF $150.00 IF MEMBER EXPERIENCES A FLAT TIRE, MEMBER MAY REQUEST A SERVICE TECHNICIAN TO REPLACE THE DAMAGED TIRE. MEMBER MUST PROVIDE THE WORKING SPARE TIRE. OTHER CONDITIONS MAY APPLY. SEE EMERGENCY ROADSIDE ASSISTANCE PLAN PARAMETERS FOR FULL DETAILS AND DISCLOSURES. EXCLUDES EXISTING SMART FINANCIAL LOANS. ROADSIDE ASSISTANCE IS PROVIDED BY NATION MOTOR CLUB, LLC, A PROVIDER OF SMART FINANCIAL.