The SMART Federal Credit Union is a auto loan from SMART Federal Credit Union. The ongoing APR is New / Used APR as low as: 1-24 months 7.24% / 7.74%; 25-36 7.49% / 7.84%; 37-48 7.74% / 8.24%; 49-60 7.99% / 8.74%; 61-72 8.24% / 8.99%; 73-84 8.74% / 9.24%; effective as of October 2026. Loan terms: Up to 84 months.