Lower Your Monthly Vehicle Payments Today
We’ll beat your current auto loan rate by 1%*!
Hit the brakes on high rates with an auto loan refinance at Spirit Financial! For a limited time, we're offering to reduce your current auto loan rate by 1%.* Plus, get a $100* cash bonus at closing. Easily apply online in minutes to see how much you can save!
Auto Loan Refinance Rates
Effective Date (11/09/2020) and Rates Subject to Change.
| New | APR****** |
|---|---|
| Up to 60 months | as low as |
| Up to 72 months | as low as |
| Up to 84 months | as low as | Used | APR****** |
| Up to 60 months | as low as |
| Up to 72 months | as low as |
Auto Loan Refinance Benefits
Up to 120% financing of NADA value, plus tax and tags******
Competitive auto loan rates
$100 cash bonus*
Flexible terms of up to 84 months
Easy online application
Fast decision-making process
Convenient automatic payments
GAP Coverage (Guaranteed Asset Protection)
Payment Protection: This helps you and your family in the event of borrower(s) loss of life, disability, and/or involuntary unemployment
Have questions about refinancing your auto loan with spirit financial? Text or CALL A LOAN OFFICER AT (267) 580-0230 or EMAIL LOANS@SPIRITFINANCIALCU.ORG.
* Floor rate is 5.24% 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% for 2014 and newer and 95% for 2013 and older vehicles and terms up to 72 months. All loans based upon credit qualifications. Not all members will be eligible. $100 cash bonus for refinancing an auto loan held at another institution & will be deposited into member’s account after loan closing.
****** 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.