Car & Auto Loan

SPIRE Car & Auto Loans

If it has four wheels, we can finance it!  Finance up 130% of NADA value with a variety of terms.  Payments can be made via automatic withdrawal, online or by phone. Apply today and we’ll have an answer to you within 1 business day!

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New Vehicles

Auto Loans: New VehiclesRates Effective: 6/21/2019

APR* Term Payments/$1000 borrowed
New Vehicle 2019 & Newer3.25036$29.19
New Vehicle 2019 & Newer3.45048$22.33
New Vehicle 2019 & Newer3.65060$18.26
New Vehicle 2019 & Newer4.00072$15.65
Used Vehicles

VIEW ALL RATES View all Rates icon
*Annual Percentage Rate.
Rates disclosed reflect a .25% discount for automatic payment. SPIRE finances up to 130% financing on new vehicles and up to 130% of the NADA retail value on used vehicle for qualified borrowers. Rates and terms are subject to qualification. Other restrictions may apply. Interest rates subject to change at any time.
Additional Discounts Available to SPIRE Credit Union members with an active SPIRE Checking Account and SPIRE VISA Credit Card. See Associate for details.

Truth in Savings Disclosure

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Protect Your Vehicle

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SPIRE offers many ways to keep your car prestine!
SPIRE Vehicle Protection


Take the haggle and hassle out of buying a vehicle. CU Auto works to find SPIRE members the new or used vehicle of choice. CU Auto will even take your trade in.  Foreign and domestic cars are available.

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. 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 9.30.19.

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888.34.SPIRE or 651.215.3500

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Visit Us

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Apply in person at your local SPIRE branch.

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