Where am I?

Commerce Bank Smart Option

Smart Option



  • Co-signer release option (Must meet lender’s credit criteria; see lender’s website for details
  • 0.25% interest rate reduction for using auto-debit
  • 2% Smart Reward (U Promise Account)
  • 6 month grace period
  • Death Safeguard

Can I take less than six (6) hours? Yes

Can I use the loan to pay a back balance? Yes

No Origination Fees


Students who are enrolled in:

  • Undergraduate Degree Programs
  • Graduate Degree Programs
  • Continuing Education Programs

Minimum loan amount: $1000

Repayment: Up to 15 years

Application & Solicitation Disclosure

Apply for Smart Option

Who do I call with questions?


Monday –Friday: 8:30am to 5:00pm