Holiday Hours: All Smart Financial locations will be closed on Monday, January 20th in observance of Martin Luther King, Jr. Day. Regular business hours will resume on Tuesday, January 21st.

PERSONAL LOANS

Line of Credit

Low interest rates and flexible funds!

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Pay off your credit cards with a low fixed interest rate on a line of credit.

Use your credit cards to earn points, and then pay off the balance with a low, fixed interest rate on a line of credit. According to bankrate.com, the average rate on credit cards is 20.15% in January 2025. Our fixed rate line of credit starts as low as 11.24%* Move your balances over and start saving today!

Get instant, ongoing access to funds as you need them with a revolving line of credit. View rates schedule

Smart Start Line of Credit

Designed to help members who are new to credit,1  your financial future begins with Smart Start. Whether you're building credit, managing expenses, or planning for the next chapter, Smart Financial is here to give you the flexibility and tools to make it happen. With our Line of Credit, you'll make a Smart Start toward your financial goals.

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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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*RATE IS SUBJECT TO CREDIT APPROVAL. 11.24% IS A FIXED RATE. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION. $25 ORIGINATION FEE REQUIRED. MINIMUM LOAN AMOUNT IS $1,000. PAYMENT SCHEDULE IS 3% OF PRINCIPLE BALANCE EACH MONTH. OTHER CONDITIONS APPLY. OFFER SUBJECT TO CHANGE WITHOUT NOTICE. 

1 ALL LOANS SUBJECT TO CREDIT AND COLLATERAL APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION. MaxIMUM LOAN AMOUNT IS $2,000. OTHER CONDITIONS APPLY. 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.