PERSONAL ACCOUNTS

Signature Personal Loans

Flexible funding to help you reach higher goals.

Apply Now

Loans for your goals, big and small.

Whether you are looking to travel, upgrade your home, cover a minor emergency, consolidate your debt or finish school, get your personal and signature loans with Smart Financial Credit Union serving the greater Houston, TX area. Our friendly lending team is ready to get to know you and offer you the options that work best for you. Get flexible funding options with our competitive rates. Best of all, we are based right here in Houston, Texas with convenient branches near you to help you reach your financial goals with our signature and personal loans!

Fixed rates start at 7.99% APR* on Signature Loans for qualified applicants. View all rates

Personal Loans

Signature

loans
Apply Now

Simplified financing for unplanned and planned expenses.

Our Signature Loans are ideal to help you with those unexpected expenses such as car repairs, medical bills, or other necessities.

Line of Credit

Line of Credit

loans
Apply Now

Get instant, ongoing access to funds as you need them.

Establish a signature Line of Credit and draw from it whenever you wish. Overdraft protection for your Smart Checking account is also available.

CD Secured

CD Secured

loans
Apply Now

A quick way to get money in hand. Borrow from yourself, then pay yourself back.

A Certificate Secured Loan is an ideal way to pay for medical emergencies, moving costs, family vacations, and more. Variable rates are available with flexible terms.

Shared Secured

Share Secured

loans
Apply Now

You’ve worked hard for your savings. Now they can work for you.

Use your own funds as collateral for almost any purpose including consolidation, taxes, vacation, medical expenses, etc. Fixed rates are available with flexible terms.

Ask an expert

Have questions about personal loans or lines? Our lending team is ready to help. Learn about your loan options, and get personalized estimates for your situation.

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

Call

What should I know before starting my application?

  • To be 18 years of age or older.
  • Your Social Security Number or Individual Taxpayer Identification Number.
  • Government Issued Identification (Driver's License, State ID, or U.S. Passport).
  • If another person will be joint on your accounts, they must enter and validate their personal information.
  • Approximately how much you want to borrow.
  • If funding your new accounts by electronic transfer from another financial institution, you’ll need their routing number and your account number.
  • If funding with a debit or credit card, you’ll need the card number, expiration date, and CVV code.

*APR= ANNUAL PERCENTAGE RATE. 

7.99 IS A FIXED RATE FOR A 24-MONTH TERM. rate is subject to CREDIT APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION. OFFER SUBJECT TO CHANGE WITHOUT NOTICE. OTHER CONDITIONS MAY APPLY.