Holiday Hours: All Smart Financial locations will close at 2PM on Christmas Eve, Tuesday, December 24th, and will remain closed through Christmas Day on the 25th. Regular business hours will resume on Thursday, December 26th. Wishing you a Merry Christmas and Happy Holidays!

PERSONAL LOANS

Holiday Cash Loan

Brighten up your holiday budget with a low rate loan.

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Smart Financial’s gift to you, our member!

Need a little extra sparkle for your holiday season? Discover the joy of stress-free shopping with our $2,500 Holiday Cash Loan! With rates as low as 6.99%* APR and up to 24 months to pay off the balance, you can spread cheer without spreading yourself too thin. Why pay more with high-interest credit cards when you can enjoy lower rates and more manageable payments? 

Whether it’s for gifts, travel, or a festive holiday party, the $2,500 Holiday Cash Loan offers a smart, affordable way to make your holidays bright!

Apply now or contact one of our loan specialists for more details!

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Skip-A-Pay

Have a loan with us? Boost your cash flow by skipping a loan payment and give yourself the gift of extra financial flexibility. Take advantage of this flexible option to ease your budget and enjoy the festivities without the financial worry.

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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. ADVERTISED RATE IS THE LOWEST RATE OFFERED FOR A 24-MONTH TERM. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION. TERMS OF REPAYMENT: A $2,500 LOAN WITH A 24-MONTH TERM AT 6.99% APR EQUALS A $111.92 MONTHLY PAYMENT. OFFER IS SUBJECT TO CREDIT APPROVAL. MEMBERSHIP ELIGIBILITY REQUIREMENTS APPLY. OFFER ENDS 12/31/2024 AND SUBJECT TO CHANGE WITHOUT NOTICE. OTHER CONDITIONS APPLY.