Click the loan you’d like to view rates for below!

  • PERSONAL LOAN RATES
    Often a much better form of borrowing compared to credit cards because of their low, fixed rates and flexible terms.

    Effective Date (11/2/2022) and Rates Subject to Change.

    Balance Tier APR*
    Up to 24 months as low as
    Up to 36 months as low as
    Up to 60 months as low as
    APPLY NOW
  • NEW & USED AUTO LOAN RATES
    Enjoy low, fixed rates, flexible term options, free pre-approvals, significant savings on GAP coverage, and much more.

    New Auto Loan Rates

    Effective Date (11/2/2022) 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

    Used Auto Loan Rates

    Effective Date (11/2/2022) and Rates Subject to Change.

    Balance Tier APR******
    Up to 60 months as low as
    Up to 72 months as low as
    APPLY NOW
  • HOME EQUITY LINE OF CREDIT RATES
    No closing costs, no inactivity fees, and no annual fees. Borrow against the equity in your home for less!

    Effective Date (11/2/2022) and Rates Subject to Change.

    Balance Tier APR****
    Up to 85% Market Value Financing***** Introductory Rate as low as
    APPLY NOW
  • HOME EQUITY LOAN RATES (FIXED)
    Low, fixed rates, flexible terms options, and no closing costs or fees. Pay less to access the equity in your home.

    Effective Date (11/2/2022) and Rates Subject to Change.

    Balance Tier 1st Lien APR** 2nd Lien APR***
    Up to 36 Months as low as as low as
    Up to 60 Months as low as as low as
    Up to 84 Months as low as as low as
    Up to 120 Months as low as as low as
    Up to 180 Months as low as as low as
    Up to 240 Months as low as as low as
    APPLY NOW
  • MORTGAGE LOAN RATES
    Finance or refinance your home with our best in class mortgage partner First Heritage Mortgage Services.
    VIEW TODAY'S RATES
  • VISA CREDIT CARD RATES
    Low, fixed rates, 1% cash back on all purchases, no annual fees, no cash advance fees, and much more.

    Effective Date (11/2/2022) and Rates Subject to Change.

    Card Type APR
    Classic Fixed
    Platinum Fixed
    APPLY NOW
  • RECREATIONAL VEHICLE LOAN RATES
    Borrow at competitive, fixed rates to finance your next motorcycle, boat, or RV. We’re here to help on the road to your next big adventure.

    Effective Date (11/2/2022) and Rates Subject to Change.

    Balance Tier APR*******
    Up to 36 Months as low as
    Up to 48 months as low as
    Up to 60 months as low as
    Up to 72 months as low as
    Up to 84 months as low as
    APPLY NOW
  • STUDENT LOAN RATES
    We’ve partnered with Sallie Mae® to help both undergraduate and graduate students get the money they need for school.
    VIEW TODAY'S RATES
  • SHARE SECURE LOAN RATES
    Borrow using your savings as collateral to access even lower rates at Spirit Financial! Plus, your share (savings) account continues to earn dividends.
    APPLY NOW
  • PERSONAL ACCESS LINE RATES
    Convenient access to funds when you need them without having to re-apply. Make transfers directly into your checking account.
    APPLY NOW

*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. Minimum APR for Personal Access Line is 12.75%, maximum APR for Personal Access Line is 18%. As of 9/18/24 the Prime Rate was 8.00%.

**APR= Annual Percentage Rate. Rates are for qualified borrowers and are based on the credit worthiness of the individual and loan being in first lien position. Actual rates may be different than the rates shown. For LTVs over 80%, 1.25% will be added to the rate.

***APR= Annual Percentage Rate. Rates are for qualified borrowers and are based on the credit worthiness of the individual and loan being in second lien position. Actual rates may be different than the rates shown. For LTVs over 80%, 1.25% will be added to the rate.

****APR= Annual Percentage Rate. Rates are for qualified borrowers and are based on the creditworthiness of the individual. Actual rates may be different than the rates shown. Minimum APR is 8.00%, maximum APR is 18%. As of 9/18/24 the Prime Rate was 8.00%. Introductory rate will be in effect for twelve (12) billing cycles from credit line open date. After the introductory discount period expires, the variable rate is subject to change monthly.

***** Borrow up to 85% of the current value of your home, less any outstanding liens, based on credit worthiness.

****** 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.

******* 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 Recreational vehicle over 100% LTV, APR is 0.25% higher.