Share Secured Loans


Looking for a low rate loan to finance an unexpected expense? Would you like to consolidate some debt or take a vacation without dipping into your savings? Consider a share secured loan from Spirit Financial Credit Union and put your savings or certificate of deposit to work for you! Our share secured loans use the funds you already have in your account as collateral, so the interest rates are usually lower than other types of personal loans. This is great for debt consolidation and also to establish credit if you’re just starting out.

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 2.00% 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

We Make the Process Easy


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