Vehicle Loans

SPIRE Vehicle Loans & Protection Plans

When it comes to financing vehicles, SPIRE has got you covered.


car icon
Whether you’re looking for a new or used vehicle, we offer a variety of terms and some of the lowest rates around.


boat icon
We finance fun with loans for your RV, boat or other leisure toys. It is easier and more affordable than you may think.


insurance icon
Enjoy a complete line of vehicle protection solutions from top-rated carriers. Compare rates with us and save!
SPIRE Vehicle Protection

2Offer valid on auto loans currently financed with a lender other than SPIRE. SPIRE will beat the interest rate from another financial institution by at least 0.50% with a minimum interest rate floor of 0.50% below the current SPIRE New Vehicle 36 month rate (not including Checking/Visa discounts). Promotional 0% interest loans do not qualify. Minimum amount financed must be $5,000. Must provide verification of current interest rate at other financial institution to qualify. Loans subject to credit approval. Members will receive $50 deposited to their account within 30 days of application if SPIRE cannot approve the loan, beat the existing interest rate by at least 0.50% and approve the loan under the current structured terms they currently reside under. Offer subject to change without notice. Other terms and conditions may apply. Must be a SPIRE Credit Union member. Member responsible for any applicable taxes. Offer expires 12.31.2020.

Vehicle Protection Plans

Mechanical Breakdown Protection

Help protect your investment by reducing the possibility of out-of-pocket expenses in the event of an unexpected mechanical failure for both new and used vehicles. Each of SPIRE's Mechanical Breakdown Protection Plans offer:

  • 30-day free look.
  • Nationwide coverage.
  • Zero Dollar deductible.
  • Coverage up to 8 years or 125,000 miles (subject to vehicle qualification).
  • Coverage for enhanced electronics.
  • 24/7 Roadside Assistance.
  • Total loss refund and battery coverage.

Get a Warranty Quote

Guaranteed Asset Protection (GAP) & Auto Deductible Reimbursement (ADR)

Peace of mind starts with protecting your assets. You could lose more than your vehicle, boat, motorcycle, or RV if it is stolen or involved in a major accident. SPIRE's industry leading GAP & ADR protection can ease your worry.

A GAP policy covers the difference between the borrower’s outstanding loan balance and the actual cash value of the vehicle up to the maximum LTV should the vehicle be in and accident or stolen and deemed a total loss by your insurance company.

In addition, the ADR protection (included for free with GAP) will pay your deductible up to $500 for any accident covered by your primary vehicle insurance provider even if the vehicle is not totaled or stolen.

Get a GAP/ADR Quote

Vehicle Insurance

Get a customizable auto insurance policy that fits your needs for just about any of your vehicles.

Protect Your Vehicle ad

Get an Insurance Quote

Payment Protection

SPIRE offers three affordable levels of protection that protect loss of income from various life, disability or unemployment situations. You can choose the right package for your needs. Have the peace of mind that if a life event should happen, your loan and finances could be protected.

SPIRE Payment Protection is available on most loans.* Available package options include one or more of the following benefits: loss of life, disability, or unemployment situations. This optional payment protection product is made available to you as a member of SPIRE Credit Union. For more information, call or visit your local SPIRE branch.


*Your purchase of SPIRE's Peace of Mind Protection Program is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of SPIRE's Peace of Mind Protection Program. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

Scroll to the top