A Spirit Financial Credit Union share secured loan allows you to borrow against your credit union shares (savings) as you continue to earn dividends. Because you’re borrowing against funds already in your account, share secured rates are usually lower than other types of personal loans and provide greater flexibility, allowing you to borrow over longer periods of time.

Share Secured Loan Benefits

  • Rates as low as 2.50% APR***

  • Borrow up to 100% of your shares value

  • Affordable payments

  • Flexible terms up to 120 months

  • Share account continues to earn dividends

  • Easy to apply for a loan right online

  • Fast, same day approvals

  • No credit check required

HAVE QUESTIONS ABOUT OUR SHARE SECURED LOANS? Text or CALL A LOAN OFFICER AT (267) 580-0230 OR EMAIL LOANS@SPIRITFINANCIALCU.ORG.

***Annual Percentage Rate (APR) is effective for date shown. Actual APR depends on applicant’s funds securing the loan.