FIRST TIME CAR LOANS

Smart Start

Start your financial journey with rates as low as 5.99% APR*.

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Designed to help members seeking their first vehicle purchase.

If you meet these qualifications, let's get you off to a Smart Start!

  • Must be 18 years of age or older.
  • Must provide verication of income.
  • Must be employed for 1 consecutive year at time of application, or graduated within 12 months from any university/college/technical school program and working in a full-time capacity.

The Smart Start Auto Loan gets you moving! Whether you are a recent college graduate or are building your credit, Smart Financial is here to help. Establishing good credit is the cornerstone to building your financial health and our auto loan program is designed to help you successfully navigate the auto buying process. Let's go the distance with auto loan rates starting at 5.99% APR*.

View rates schedule

NEW! Roadside Assistance is included with your Smart Financial auto loan 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.

Ask your Lending Specialist about our loan protection products.

What would my monthly auto loan payment be?

Many factors go into determining the final loan amount for the purchase of a new or used vehicle. These factors include any manufacturer's rebate, the trade-in value of your old vehicle less any outstanding balance, your down payment, etc. Once the loan amount is determined the interest rate and the term of the loan will be used to estimate your vehicle payment.

Loan Amount

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**Rates may differ depending on borrower creditworthiness and underwriting factors.

 

Get in touch today!

CALL

Give us a call at 713-407-1755 to speak with one of our lending specialists.

ONLINE

Secure your car loan from the comfort of your home by applying online!

BRANCH

Stop into one of our branches and let our Smart Bankers help you through the process!

SMART AUTO DIRECT

Our concierge service, Smart Auto Direct, to help you find the perfect car.

*APR= ANNUAL PERCENTAGE RATE.  ADVERTISED RATE IS THE LOWEST ANNUAL PERCENTAGE RATE OFFERED FOR A 36-MONTH TERM ON NEW AUTOS. ALL LOANS SUBJECT TO CREDIT AND COLLATERAL APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION. MINIMUM LOAN AMOUNT IS $5,000. MAXIMUM LOAN AMOUNT IS $40,000. MINIMUM DOWN PAYMENT REQUIRED IS $500. OTHER CONDITIONS APPLY. PROGRAM ELIGIBILITY: MUST BE 18 YEARS OF AGE OR OLDER. MUST BE EMPLOYED FOR 1 CONSECUTIVE YEAR AT TIME OF APPLICATION OR GRADUATED WITHIN 12 MONTHS FROM ANY UNIVERSITY/COLLEGE/TECHNICAL SCHOOL PROGRAM AND WORKING IN A FULL-TIME CAPACITY.

** 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.