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
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Up to 120% Financing
Finance up to 120% of NADA value on qualifying vehicles, plus tax and tags.******
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Rates as Low as 5.24% APR******
Credit union rates that often beat banks and dealerships.
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Flexible Terms Up to 84 Months
Choose a repayment schedule that fits your budget.
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Pre-Approval in Minutes
Apply online in minutes and get an answer fast.
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GAP Coverage at $295
Covers what you still owe if your car is totaled. Hundreds less than dealerships charge.
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.
Refinance and We'll Beat Your Rate by 1%*
Paying too much on a car loan from a bank or dealership? Bring us proof of your current rate and we'll beat it by 1%*. Plus you'll make no payments for 90 days.
- 1%* rate-beat
- No payments for 90 days
- Easy online application
* Floor rate is 4.24% APR - Annual Percentage Rate. Minimum auto loan is $5,000. Current Spirit Financial Credit Union auto loans are not eligible. All loans subject to loan to value and other qualifications for final underwriting approval. If our regular rate provides you with more savings than this offer, you will receive the lower of the two rates. Proof of your current rate (APR) is required. Auto financing up to 120% of value and terms up to 84 months. For 2016 and newer vehicles. All loans based upon credit qualifications. Not all members will be eligible. Finance charges will accrue during the 90 day no payment option. Contact the credit union for complete details.
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. 120% NADA on 2016 and newer models.