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 7.74% / 7.99%; 37-48 8.00% / 8.24%; 49-60 8.24% / 8.50%; 61-72 8.74% / 9.00%; 73-84 9.00% / 9.24%; 85-120 9.24% / 9.74%; 121-180 9.74% / 10.00%; effective as of October 2026. Loan terms: Up to 180 months.