We’ll have an answer to you within 24 hours! You can also apply in person at any SPIRE branch or via phone by calling 651.215.3500 or 888.34.SPIRE.

APPLY NOW

Rates

New Vehicles

 

APR*
as low as

Term

Payments/
$1000 borrowed

New Auto Loan

2.65

36

$28.93

New Auto Loan

2.85

48

$22.07

New Auto Loan

3.05

60

$17.99

New Auto Loan

3.30

72

$15.33

 

Used Vehicles

 

APR*
as low as

Term

Payments/
$1000 borrowed

Used Auto Loan

2.80

36

$28.99

Used Auto Loan

3.00

48

$22.13

Used Auto Loan

3.20

60

$18.06

Used Auto Loan

3.30

36

$29.21

Used Auto Loan

3.50

48

$22.36

View our rates 


*Annual Percentage Rate

New & Used Car Loans

  • A variety of terms
  • Finance up 130% of NADA value
  • Payments can be made via automatic withdrawal, online or phone
Father, mother and soon looking out the window of their car
Man driving with dog in passenger seat

find your car with
CU Auto

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.
start your car search


additional services

    Refinance your loan with SPIRE

    Have an auto loan elsewhere? Consider refinancing it at SPIRE. In fact, we guarantee we will beat your current auto loan rate or we’ll give you $50*.
    Refinance today

     

    SPIRE Insurance

    Not only can we finance your vehicle, we can also insure it! Enjoy a complete line of insurance solutions from top-rated carriers. Compare rates with us and save!
    Get a Quote

    Extended Warranty Options

    Save big on mechanical breakdown protection plans for both new and used vehicles. Help protect your investment by reducing the possibility of out-of-pocket expenses in the event of an unexpected mechanical failure. Compare our rates to the dealers before you decide. All Mechanical Breakdown Protection Plans Offer:

    • Nationwide Coverage
    • Rental Vehicle Assistance
    • 24-hour Road Side Assistance
    • Warranty Transfer Option
    Get a Quote​

     

    Guaranteed Asset Protection (GAP)

    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. You could lose your investment. GAP covers the difference between your primary carrier’s insurance settlement and the payoff of your loan.

    GAP helps to:

    • Eliminate out-of-pocket costs on a remaining loan balance
    • Protect your credit rating and prevent financial hardship
    • Make purchasing a replacement vehicle more affordable
     Get a Quote​
     

    Additional online Resources

    New Vehicle Pricing
    www.fueleconomy.gov
    www.carfax.com

    *Offer 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 0.25% with a minimum interest rate floor of 1.75% APR (Annual Percentage Rate) for loans at or above $10,000, or 2.25% APR for loans from $5,000-$9,999.99. 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 0.25% 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.

Driven by

MIDWESTERN VALUES

Founded in 1934, SPIRE upholds the values of honesty, integrity and hard work. We strive to make it easy to do business with us and truly care about our members.


Contact SPIRE.

We are here to improve lives.

651.215.3500 or 888.34.SPIRE

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