Home Run Auto Loan Sale!

No Payment for 90 Days** & up to $250 Cash Back*

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.


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 of up to 84 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 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 the vehicle loan pre approval application. We also provide a Car Loan Calculator below to help you determine your payment.


Auto Loan Rates

Effective Date (5/1/2019) and Rates Subject to Change.

New APR*
Up to 60 months as low as 3.49%***
Up to 72 months as low as 3.74%***
Up to 84 months as low as 4.24%***
Used APR*
Up to 60 months as low as 3.74%***
Up to 72 months as low as 3.99%***

Vehicle Search


Prefer to speak to someone about a car loan?

Just visit our office or give one of our Loan Officers a call at (267) 580-0230.

You can learn more about our competitive rates and how we can help get you with your next auto loan.




* You will be eligible for $150 cash back upon funding of the loan. Once the loan is booked, $150 will be deposited into your Spirit Financial CU account. Loan must be at least $5,000 and the minimum term is 36 months. To be eligible for the $100 cash back, you must register for CarShop365 and apply for pre-approval through Spirit Financial Credit Union on our CarShop365 page. Once the loan is booked, $100 will be deposited into your Spirit Financial CU account. Loan must be at least $5,000 and the minimum term is 36 months. Speak to a credit union representative for additional details.

** First payment will be scheduled at least 90 days after the loan closing date, but interest will accrue from the loan closing date. Deferred payment only eligible for new and used auto loans and refinanced auto loans from another financial institution.

*** 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.