Whether you need a loan for a special occasion, a large purchase, a vacation or a sudden emergency, our competitive personal loan rates can help meet your needs. Get the cash you need when you need it at a rate you can afford. Click here to learn more about our personal loan benefits.


Personal Loan Rates

Effective Date 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

HAVE PERSONAL LOAN QUESTIONS? 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 creditworthiness of the individual. Total loan amount and loan term will vary based on the creditworthiness. Loan terms available from 12 to 60 months.