Get your personal loan in Houston with the industry's best, Texas Bay Credit Union. Start off with an estimated rate quote – No credit pull required.Fill out the short form below to hear from a Loan Officer within the next business day. Simply click the financing option below that best meets your needs and fill out the form to qualify. AAMCO Synchrony Car CareTM Credit Card. All you have to do is fill out our online loan form and in minutes you'll find out the personal loan amount you qualify for. All the forms requires a signature; May be faxed, mailed or dropped off at any Smart Financial Credit Union office. HCFCU Loans: Apply Now! Smart Financial focuses on providing our members with Smarter Habits, Smarter Lending, and Smarter Life. Just fill out our short Credit Card Authorization Form.