PERSONAL LOANS

Line of Credit

Low interest rates and flexible funds!

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A low fixed interest rate for your financial needs.

Whether you're new to credit or looking to expand your financial options, a line of credit from Smart Financial offers the flexibility and security you need. With easy access to funds whenever you need them, you can confidently manage unexpected espenses, make planned purchases, or simply build your credit history. Take control of your financial future today with a credit line designed to meet your needs.

Line of Credit

Get instant, ongoing access to funds as you need them. Whether it's for unexpected expenses, home improvements, or managing cash flow, our line of credit offers you the convenience and control to meet your financial goals on your terms.

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  • Enjoy competitive rates compared to high interest credit cards
  • Ongoing financial flexibility for when you need it most
  • Transfer high interest debt from your credit cards to help you save money and pay off your debt faster with rates as low as 11.24% APR*

Smart Start Line of Credit

Designed to help members who are new to credit, your financial future begins with Smart Start! Whether building credit, managing expenses, or planning for the next chapter, Smart Financial gives you the flexibility and tools to make it happen. 

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  • Establish or improve your credit score through responsible borrowing
  • Financial flexibility without the pressure of borrowing a lump sum
  • Manage debt more effectively with low interest rates starting at 14.24% APR**

View rates schedule

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Benefits

Everyday low rate
• Save money in interest rates that are typically lower than those offered by credit cards.

Flexibility
• With a line of credit, you can get the money you need up to your credit limit, repaying only based on what you’ve borrowed.

Reuse available credit
• Once you pay down your balance—no need to re-apply.

No annual fee
• Plus, there is no fee to withdraw funds.

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.

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APR = ANNUAL PERCENTAGE RATE.

*PERSONAL LINE OF CREDIT: RATE IS SUBJECT TO CREDIT APPROVAL. 11.24% APR IS A FIXED RATE. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION. $25 ORIGINATION FEE REQUIRED. MINIMUM LOAN AMOUNT IS $1,000. OTHER CONDITIONS APPLY. OFFER SUBJECT TO CHANGE WITHOUT NOTICE. 

**SMART START LINE OF CREDIT: RATE IS SUBJECT TO CREDIT APPROVAL AND PROGRAM ELIGIBILITY. 14.24% APR IS A FIXED RATE. $25 ORIGINATION FEE REQUIRED. MINIMUM LOAN AMOUNT IS $1,000. MaxIMUM LOAN AMOUNT IS $2,000. OFFER SUBJECT TO CHANGE WITHOUT NOTICE. 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.  OTHER CONDITIONS APPLY. 

MEMBERSHIP ELIGIBILITY REQUIREMENTS APPLY.