Personal Loans

SPIRE Personal Loans

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

Personal Loan Options

Choose the type of loan that best fits your needs.  Automatic payments are available.

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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

Personal Installment Loan

A great way to get extra cash for whatever life throws your way. SPIRE Personal Installment loans have no origination or pre-payment fees. Our rates are competitive. From application to loan funding is quick and easy.

Share 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.

Home Improvement Loan

Are you a homeowner and need money quickly? 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.


Line of Credit

Line of CreditRates Effective: 11/1/2018

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
Installment Loans
Share Secured
Other Secured

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*Annual Percentage Rate.
Rates and terms are subject to qualification. Other restrictions may apply. Interest rates subject to change at any time.

Truth in Savings Disclosure

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.

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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