Picture the Possibilities with Spirit Financial Credit Union Loans

Dream It. Plan It. Achieve It.

At Spirit Financial Credit Union, we believe in helping you turn your dreams into reality. Our wide range of loan options provides the support you need to make significant life changes, big purchases, or simply enhance your lifestyle. Whether you're dreaming of a new home, a new car, or a much-needed vacation, it's all possible with Spirit Financial. Click a loan type below to learn more, view rates, and apply online!

Learn More & Apply

  • PERSONAL LOANS
    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
  • AUTO LOANS & REFINANCING
    Enjoy low, fixed rates and flexible term options on a new vehicle or refinance your current auto loan from another lender to reduce your monthly payments, pay off your auto loan sooner, or both.

    New Auto Loans

    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 Loans

    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
    REFINANCE AN EXISTING AUTO LOAN
    APPLY FOR A NEW AUTO LOAN
  • HOME EQUITY LINE OF CREDIT
    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 (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 LOANS
    Finance or refinance your home with our best in class mortgage partner First Heritage Mortgage Services.
    VIEW TODAY'S RATES
  • VISA CREDIT CARDS
    Low, fixed rates, 1% cash back on all purchases, no annual fees, no balance transfer 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 LOANS
    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 LOANS
    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 LOANS
    Borrow using your savings as collateral to access even lower rates at Spirit Financial! Plus, your share (savings) account continues to earn dividends.
    LEARN MORE
  • PERSONAL ACCESS LINE
    Convenient access to funds when you need them without having to re-apply. Make transfers directly into your checking account.
    LEARN MORE
 

HAVE QUESTIONS ABOUT SPIRIT FINANCIAL LOAN OPTIONS? 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. Minimum APR for Personal Access Line is 13.25%, maximum APR for Personal Access Line is 18%. As of 7/26/23 the Prime Rate was 8.50%.

**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 8.50%, maximum APR is 18%. As of 7/26/23 the Prime Rate was 8.50%. 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.