Lender profile
Smart Financial
Lender Live rate observations
Smart Financial at a glance
Smart Financial is a lender based in Texas. LoanMate.ai tracks 1 published loan products from Smart Financial (6 rate listings), last verified 2026-10-17. Its lowest published rate today is 9.74% on Unsecured personal loan. Its Unsecured personal loan rate of 9.74% is 0.26 points below the national median of 10% (across 284 lenders publishing that product). Smart Financial lends in Texas only.
Personal loan (6)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC | — | 9.74 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC | — | 10.24 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC | — | 10.74 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC | — | 10.99 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC | — | 11.49 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC | — | 12.49 | — | — | 2026-10-17 | Lender source ↗ |
How Smart Financial compares
Compare all personal loan rates · Best loan rates in Texas
Compare with: 1St Community, 4U, A+, Abilene Teachers
Common questions
What is the lowest published rate at Smart Financial?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Smart Financial is 9.74% on its Unsecured personal loan. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Smart Financial lend?
Smart Financial lends in Texas only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Smart Financial's Unsecured personal loan rate compare nationally?
Smart Financial publishes Unsecured personal loan at 9.74%. The national median for that product is 10% across 284 lenders in LoanMate.ai's October 17, 2026 dataset, so Smart Financial is 0.26 points below the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.