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Vehicle Loans

Search for, find, and finance your next car with SPIRE. 

Apply online in minutes and get a loan decision within two business hours.

Take the Next Step

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Book an Appointment

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.

You'll find out the decision of your loan usually within two business hours.

Auto Loan Rates as low as 1.99% APR*
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Customize Your Loan

We offer terms up to 84 months with low rates.
You can choose the right loan for you.
View Rates

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Quick & Easy Financing

Apply online in just minutes and find out if you're approved within two business hours.
You can also meet with a SPIRE representative to discuss your options and apply on the spot.

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Your Loan Stays in Minnesota

When you open a car loan with SPIRE, it stays at SPIRE.
You'll always know who to contact and we'll be here for you.

Refinance your current non-SPIRE auto loan

Get a better rate and $1002 just for switching.
Learn more

2Offer valid on auto loans currently fi nanced with a lender other than SPIRE. Minimum amount fi nanced is $5,000. $100 will be deposited to the share savings account upon loan account opening. Loans subject to credit approval. 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 12.31.2021. Subject to termination at any time. Federally Insured by NCUA.

Shop for your car with SPIRE

Find Your Car

Search for specific makes and models, filter out cars that aren't in your your area or in your price range, and calculate your monthly payment.

Start Your Search

Car Concierge

Don't have time to search through all of the options?  Get a Car Concierge from CU Auto to find your next car - they'll even take your trade-in.

Get Your Car


New Vehicles

Auto Loans: New VehiclesRates Effective: 9/21/2021

APR* Term Payments/$1000 borrowed
New Vehicle 2020 & Newer+1.99036$28.64
New Vehicle 2020 & Newer2.45048$21.89
New Vehicle 2020 & Newer2.65060$17.81
New Vehicle 2020 & Newer3.00072$15.19
New Vehicle 2020 & Newer4.00084$13.67
Used Vehicles

VIEW ALL RATES View all Rates icon

*Annual Percentage Rate. Rates disclosed reflect a 0.25% discount for automatic payment, a 0.25% discount for having an active checking account, and a 0.10% discount for having a SPIRE Visa Credit Card. Finance up to 130% of the MSRP on new autos and 130% of the JD Power values on used autos for qualified borrowers. Rates will be higher on loans under $10,000 and vehicles over 100,000 miles.

​+Rate based on 36-month term, with automatic payment on autos 2005 and newer. Minimum amount financed is $5,000 and must be new money to SPIRE. Other discounts and offers do not apply.

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

See Associate for details.

Calculate Your Loan

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Find out how much your payments will be each month.
Financial Calculators

Protect Your Vehicle

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

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