Vehicle Refinance Guarantee

Bring your vehicle loan to SPIRE and save money.

Get $100when you refinance your non-SPIRE vehicle loan. Plus, enjoy no payments for up to 100 days. 

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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.

Auto Loan Rates as low as 1.99% APR*

Rates

New Vehicles
Used Vehicles

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

APR* Term Payments/$1000 borrowed
Used Vehicle (2005-2020)+1.99036$28.64
Used Vehicle (2015-2020)2.70048$22.00
Used Vehicle (2015-2020)2.90060$17.92
Used Vehicle (2015-2020)3.25072$15.31
Used Vehicle (2015-2020)4.25084$13.78
Used Vehicle (2005-2014)2.90036$29.04
Used Vehicle (2005-2014)3.10048$22.18
Used Vehicle (2005-2014)3.30060$18.10

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.


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Why switch to SPIRE

To refinance your vehicle loan with SPIRE, we've made the process easy.
The online application takes less than five minutes to complete and you'll get a decision on your loan within two business hours.

Once you send or drop-off your title, you can complete the closing process digitally - no appointments to set or hoops to jump through.

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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Get $100 when you switch to SPIRE

Not only will you get a lower rate on your vehicle loan when you refinance,
we'll also give you $1002 just for switching.
 


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No Payments for up tp 100 days

Switch your vehicle loan to SPIRE
and enjoy no loan payments for up to 100 days.
 


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Get $50 Guaranteed

Even if you apply and we can't get you a lower rate on your vehicle loan,
we will still give you $504.


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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.
 


Disclosures

2Offer valid on auto loans currently financed with a lender other than SPIRE. Minimum amount financed 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.

4Offer 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 12.31.2021.

 
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