Ready for a new vehicle or want to refinance your existing auto loan? Whether your goal is a low monthly payment, a shorter term, or a combination of both, we offer low auto loan rates and flexible terms to meet your needs and your budget. You can easily apply for an auto loan online today.
In the market for a new or used vehicle? Check out CarShop365, our online car shopping tool.
Auto Loan Benefits
Up to 120% financing of NADA value, plus tax and tags******
Pre-approvals on auto loans
Competitive auto loan rates
Flexible terms options
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
TruStage® Auto Insurance offered by Liberty Mutual
Auto Loan Pre-Approval
Once you’re pre-approved for your auto loan, you will have more bargaining power when negotiating a price. Be sure to take advantage of a vehicle loan pre approval. We also provide a Car Loan Calculator below to help you determine your payment.
Used Auto Loan Rates
New Auto Loan Rates
Effective Date (11/09/2020) and Rates Subject to Change.
| Balance Tier | APR****** |
|---|---|
| Up to 60 months | as low as |
| Up to 72 months | as low as |
| Up to 84 months | as low as |
Effective Date (11/09/2020) and Rates Subject to Change.
| Balance Tier | APR****** |
|---|---|
| Up to 60 months | as low as |
| Up to 72 months | as low as |
HAVE QUESTIONS about spirit financial auto loans? text or CALL A LOAN OFFICER AT (267) 580-0230 OR EMAIL LOANS@SPIRITFINANCIALCU.ORG.
****** 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. Any vehicle over 110% NADA, 0.25% APR added to rate. 120% NADA on 2013 and newer models.