Car & Auto Loans

SPIRE can help you search, find, and finance your next car. 

Whether you're looking to make a new purchase or refinance your existing vehicle loan to save money, SPIRE can help. Along with our competitive rates, we have terms up to 84 months, flexible payment options, and no pre-payment penalties.


You’ll find out the decision on your loan quickly — usually within two business hours. We can close on and fund your loan all online, or you can stop into your local SPIRE branch.


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

*APR = Annual Percentage Rate. 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. Payment is $28.46 per $1,000 borrowed. Loans are subject to credit approval. Other terms and conditions may apply. Rate effective September 21, 2021 and subject to change at any time.

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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New Vehicles

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

APR* Term Payments/$1000 borrowed
New Vehicle 2020 & Newer2.25036$28.75
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.
Rates and terms are subject to qualification. Other restrictions may apply. Interest rates subject to change at any time.
See Associate for details.

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.

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

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