Looking for a low rate loan to finance an unexpected expense? Would you like to consolidate debt or take a vacation without dipping into your savings? Consider a share secured loan from Spirit Financial Credit Union. Our secured loans use the funds you already have in your account as collateral, so interest rates are usually lower than other types of personal loans.

A Spirit Financial Credit Union share secured loan allows you to borrow against your credit union shares, and continue to earn dividends. They also provide greater flexibility, letting you borrow these funds over longer periods of time. The secured amount will decrease as you pay down the balance of the loan.


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


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