Car & Auto Loans

SPIRE Car & Auto Loans

SPIRE can help you search, find, and finance your next car. If it has four wheels, we can finance it!


Finance up to 130% of the MSRP on new autos and 130% of the NADA values on used autos. A variety of terms are available. 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!



Get Everything You want

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.


Use a 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: 10/1/2020

APR* Term Payments/$1000 borrowed
New Vehicle 2019 & Newer2.50036$28.86
New Vehicle 2019 & Newer2.70048$22.00
New Vehicle 2019 & Newer2.90060$17.92
New Vehicle 2019 & Newer3.25072$15.31
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 NADA values on used autos for qualified borrowers.
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.

Protect Your Vehicle

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SPIRE offers many ways to keep your car prestine!
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.

Take the Next Step

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.

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