Unwrap special Holiday rates on our consumer loans.

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Smart Financial’s gift to you, our member!

The Holiday season is a time for gift giving and we all love to receive gifts! Smart Financial is sleighing rates on our auto and recreational vehicle loans as our gift to you! From November 24 – December 30, 2023, Scrooge takes a back seat and members can save even more on autos, recreational vehicles and signature loans with our Holiday rates. We’ve also extended our 90 days no payment auto loan option to help put cash in your pocket just in time for your Christmas shopping!

Apply here or contact one of our loan specialists at 713-407-1755 for more details!

Auto
Loans

Refinancing your auto loan to a lower rate can add up to extra cash that can be used elsewhere or put into savings for a rainy day. Looking to purchase a new car? We can help you secure a great rate and make your car buying experience smooth and easy!

Limited Time
Auto Loan rates
as low as

4.99%1

Terms available for 36, 48, 60, 72 and 84 months1

Apply Now
View rates and Terms

Recreational Auto
Loans

Enjoy life without stretching your budget. Everyone needs the chance to unwind - to find a healthy balance between work and play. We help members reach their recreational goals by offering flexible loan options on all types of new and used leisure vehicles.

Limited Time
Recreational Auto Loan rates
as low as

6.99%2

Terms available for 36, 48, 60, 72, 84, 96 and 120 months2

Apply Now
View rates and Terms

Signature
Loans

Consolidating your credit card or other high interest debt can mean lower monthly payments, faster repayment, and more cash in your pocket. Our Signature Debt Consolidation Loan with special pricing can save you some serious money!

Limited Time
Signature Loan rates
as low as

9.49%3

Terms available for 36, 48, 60 and 84 months3

Apply Now
View rates and Terms

Ask an expert

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

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

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ADVERTISED RATES INCLUDE THE .25% RATE REDUCTION. LIMITED TIME OFFER. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.

APR = Annual Percentage Rate.

1 AUTO LOAN: AUTO LOAN RATE BASED ON TERM AND CREDIT APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION AND BASED ON CREDIT APPROVAL AND AMOUNT OF LOAN. ADVERTISED 4.99% APR IS THE LOWEST FIXED RATE FOR 36 MONTHS. OTHER TERMS AND RATES ARE AVAILABLE. OTHER TERMS AND CONDITIONS MAY APPLY. *90 DAYS NO PAYMENT IS A LIMITED TIME OFFER. INTEREST WILL ACCRUE DURING THE DEFERMENT PERIOD. OFFER SUBJECT TO CHANGE WITHOUT NOTICE.

2 RECREATIONAL VEHICLE RATE BASED ON TERM AND CREDIT APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION AND BASED ON CREDIT APPROVAL AND AMOUNT OF LOAN. ADVERTISED 6.99% APR IS THE LOWEST FIXED RATE FOR 36 MONTHS. OTHER TERMS AND RATES ARE AVAILABLE. OTHER TERMS AND CONDITIONS MAY APPLY.

3 SIGNATURE LOAN: ADVERTISED 9.49% APR IS THE LOWEST FIXED RATE FOR 36-MONTH TERM. OTHER TERMS AND RATES ARE AVAILABLE. MINIMUM LOAN AMOUNTS DEPENDING ON TERM. RATES BASED ON TERM AND CREDIT APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION. OTHER TERMS AND CONDITIONS MAY APPLY.