Personal Loans

Whatever your goals may be, SPIRE has a way to help you achieve them.

Upgrade Your Space

Refresh a room, update your work-from-home space, or remodel your house.

Conquer Your Debt

Start fresh with a lower rate to help achieve your goals and start dreaming.

Worry Free

No origination fees. No prepayment fees.
You can complete the entire process digitally.

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Personal Loan

Get extra cash for whatever life throws your way. SPIRE Personal Installment loans rates start as low as 5.99% APR* and have no origination or pre-payment fees.  From application to loan funding, the process is quick and easy.

Home Improvement Loan

Open a personal installment loan specific to improving your home. No equity or closing costs needed. We offer up to a six-year maximum loan term with a maximum amount of $50,000.

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Personal Line of Credit

With a revolving line of credit, you borrow up to your pre-approved limit by advancing it only as you need the money.  Your line of credit can be set up as overdraft protection on any SPIRE checking account.

Share/Certificate Secured Loan

Using your savings or a certificate as collateral, this is a great way to help you build credit while enjoying a low interest rate.

Take the Next Step

We believe SPIRE is more than a financial institution. Our Core Purpose is to improve lives and we want to be a partner in life with you.

Apply online today and start achieving your goals.

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Personal Installment LoansRates Effective: 11/2/2020

APR* Term Payments/$1000 borrowed
Installment Loans (Less than $5,000) As low as 14.50 (36 month)Terms available up to 48 months$34.42
Installment Loans ($5,000 and Greater)As low as 5.99 (36 months)Terms available up to 72 months$30.42
Home Improvement Installment Loan ($10,000 and Greater) *Ask for DetailsAs low as 7.75Up to 72 months$17.42

Line of CreditRates Effective: 11/2/2020

APR* Term
Advantage Line of Credit (Under $5,000)16.00N/A
Preferred Line of Credit (Over $5,000)As low as 12.50N/A

Share SecuredRates Effective: 11/2/2020

APR* Term
Share Secured Loans3.00% over highest Dividend Share Savings or Certificate RateLess than $2,000 up to 48 months or not to exceed the Certificate maturity date. $2,000 and greater up to 120 months or not to exceed the Certificate maturity date.

Other Secured Loans (ATVs, Snowmobiles, Jet Skis, etc.)Rates Effective: 11/2/2020

APR* Term
Other Secured Loans (Utility Trailers, Classic Cars, Lawn/Farm Equipment)6.99Up to 60 months

VIEW ALL RATES View all Rates icon
*Annual Percentage Rate.
Minimum repayment period of 181 days for personal installment loans.

Rates and terms are subject to qualification. Other restrictions may apply. Interest rates subject to change at any time.
Personal Loan Payment Example: Assuming a $5,000 personal loan for 36 months at 5.99% APR, the monthly payment will be $152.09.

Calculate Your Loan

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Find out how much your payments will be each month.

Visa Credit Cards

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Enjoy low rates, chip security, and SPIRE Mobile Wallet.

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