Auto Loan Rates as low as 2.99%*

Ready for a new vehicle or want to refinance your existing auto loan? Apply or refinance online today! 



  • Up to 120% financing of NADA value, plus tax and tags

  • Pre-approvals on auto loans

  • Competitive auto loan rates

  • Flexible terms of up to 75 months

  • Set up convenient automatic payments

  • GAP Coverage (Guaranteed Asset Protection)

  • Payment Protection: This helps you and your family in the event of borrower(s) loss of life, disability, and/or involuntary unemployment

Auto Loan Rates

Effective Date (11/1/2018) and Rates Subject to Change.

New & Used APR*
Up to 36 months as low as 2.99%
Up to 48 months as low as 3.49%
Up to 60 months as low as 3.99%
Up to 72 months as low as 4.24%
Up to 75 months as low as 4.49%

Have questions or want to learn more about our auto loans?  Speak with a Spirit Financial loan officer at (267) 580-0230 or stop by our branch

* APR = Annual Percentage Rate. Rates are for qualified borrowers and are based on the credit worthiness of the individual. Actual rates may be different than the rates shown. APRs reflect a 0.25% discount for loan payment via automatic funds transfer from a Spirit Financial Credit Union account. Otherwise, APR is 0.25% higher.

*** Any vehicle over 110% NADA, 0.25% APR added to rate.