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.

Apply Now
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Line of Credit

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
Installment Loans
Share Secured
Other Secured

VIEW ALL RATES View all Rates icon
*Annual Percentage Rate.
Rates and terms are subject to qualification. Other restrictions may apply. Interest rates subject to change at any time.

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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