A SMART alternative

When you need a new car for its long-term reliability but the monthly payments pinch your budget, take a look at our SMART Auto Financing. We want you to get the car that serves you best, so we'll spread out the payments over a longer term to keep your monthly payments lower. See how this Pennsylvania credit union auto financing option can work in your favor.

  • Extend your term to 10 years for lower monthly payments
  • $15,000 minimum amount to finance
  • Available with competitive rates on select makes and models. Contact Ardent to see if your vehicle qualifies for extended-term financing. (other restrictions may apply)