The SMART Federal Credit Union is a auto loan from SMART Federal Credit Union. The ongoing APR is New / Used APR as low as: 1-36 months 7.25% / 7.99%; 37-48 7.41% / 8.24%; 49-60 8.00% / 8.50%; 61-72 8.24% / 8.74%; 73-84 8.74% / 9.24%; 85-120 9.74% / 10.24%; effective as of October 2026. Loan terms: Up to 120 months.