Credit union · NCUA insured
Smart Financial Credit Union Auto Loan Rates
Smart Financial Credit Union auto loans start at 5.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Smart Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Smart Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Smart Financial Credit Union
5.99%APR
- Terms
- up to 84 months
- Up to
- 16.99% APR
- Discount
- None included
Car Loans
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Smart Financial Credit Union auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Smart Financial Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Car Loans
All rates are dependent on credit worthiness. Rates subject to change without notice. No payment for 90 days available for qualified applicants.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99%–16.99% | New Auto. Rate is subject to credit approval. 3.99% is a fixed rate for 36-month term only. |
| up to 48 months | 4.49%–16.99% | New Auto |
| up to 60 months | 4.99%–16.99% | New Auto |
| up to 72 months | 5.49%–16.99% | New Auto |
| up to 84 months | 5.99%–16.99% | New Auto. Rate is subject to credit approval. 5.99% is a fixed rate for 84-month term only. Minimum loan amount is $25,000. |
| up to 84 months | 5.99%–16.99% | Used or Refinanced |
Smart Start Auto Loans
All loans subject to credit and collateral approval. Rate determined at time of application. Must be 18 years of age or older. Must provide verification 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. Minimum loan amount is $5,000; maximum loan amount is $40,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.99%–16.99% | New Auto |
| up to 36 months | 6.49%–16.99% | Used or Refinanced |
| up to 48 months | 6.49%–16.99% | New Auto |
| up to 48 months | 6.99%–16.99% | Used or Refinanced |
| up to 60 months | 6.99%–16.99% | New Auto |
| up to 60 months | 7.49%–16.99% | Used or Refinanced |
| up to 72 months | 7.49%–16.99% | New Auto |
| up to 72 months | 7.99%–16.99% | Used or Refinanced |
| up to 84 months | 7.99%–16.99% | New Auto |
| up to 84 months | 8.49%–16.99% | Used or Refinanced |
Sources (2)
All captured Sep 17, 2026
Who can join Smart Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, or attend school in Brazoria, Fort Bend, Harris or Montgomery Counties, Texas, and are 18 years of age or older.
Cost to join
- A five dollar opening deposit is required to become a member.
- A five dollar entrance fee is required to become a member.
Membership information collected October 5, 2026.