Personal Loan Rates as low as 7.99%*

Consolidate debt, finance a major purchase, pay for emergency expenses and more!



  • No collateral required

  • Loan amounts of up to $25,000

  • Fixed, low interest rate

  • Flexible terms up to 60 months

  • Affordable, fixed payments

  • Consolidate high-interest debt

  • Easy application process

Have questions or want to learn more about our credit card options? Speak with a Spirit Financial loan officer at (267) 580-0230 or stop by our branch.

Effective Date (11/1/2018) and Rates Subject to Change.

Loan Term APR*
Up to 36 months as low as 7.99%
Up to 60 months as low as 7.99%
Line of Credit (Max $5,000) as low as 9.49%

* 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. APRs reflect a 0.25% discount for loan payment via automatic funds transfer from a Spirit Financial Credit Union account. Otherwise, APR is 0.25% higher.