All Smart Financial locations will be closed this Wednesday, June 19th in observance of Juneteenth. Our normal business hours will resume on June 20.

Our Rates

Low rates to help you reach your financial goals.

We offer competitive rates on home, auto, RV and other loans to help you finance the vehicle, house or vacation you've been dreaming of.

Personal Loans

Personal & Signature Loans

Product Interest Rate APR
Up to 36 months 8.99* - 17.99%*
Up to 48 months 9.49* - 17.99%*
Up to 60 months 9.99* - 17.99%*
Up to 72 months 10.49* - 17.99%*
84 months 10.99** - 17.99%**
Revolving Line of Credit (Creditline) 11.24* - 17.99%*

Effective Date:

Savings (Share) Secured

Product Interest Rate APR
Installment Loan Share rate plus 5.00%*

Effective Date:

Certificate of Deposit Secured

Product Interest Rate APR
Installment Loan Certificate rate plus 5.00%* rounded up to the next 1/4%

Effective Date:

Other Collateral

Product Interest Rate APR
Other Collateral 7.49%* to 17.99%*

Effective Date:

Vehicle Loans
Savings and Deposit Accounts
Certificates of Deposit
Money Market
Home Loans
Business Rates
Fee Schedule

*All 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.