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

Apply Now
Book an Appointment

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

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.

Customize Your Loan

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

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.

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 vehicle 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. Subject to termination at any time.

Shop for your car with SPIRE

Find Your Car

Search for specific makes and models, filter out cars that aren't in 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

Rates

New Vehicles

Auto Loans: New VehiclesRates Effective: 6/1/2023

	APR*	Monthly Term	Monthly Payments
New Vehicle 2022 & Newer+	5.490	36	$30.19
New Vehicle 2022 & Newer	5.950	48	$23.46
New Vehicle 2022 & Newer	6.150	60	$19.40
New Vehicle 2022 & Newer	6.500	72	$16.81
New Vehicle 2022 & Newer	7.500	84	$15.34

Used Vehicles

	APR*	Monthly Term	Monthly Payments
Used Vehicle (2007-2022)+	5.490	36	$30.19
Used Vehicle (2017-2022)	6.200	48	$23.58
Used Vehicle (2017-2022)	6.400	60	$19.52
Used Vehicle (2017-2022)	6.750	72	$16.93
Used Vehicle (2017-2022)	7.750	84	$15.46
Used Vehicle (2007-2016)	6.400	36	$30.60
Used Vehicle (2007-2016)	6.600	48	$23.76
Used Vehicle (2007-2016)	6.800	60	$19.71

VIEW ALL RATES

^*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, vehicles over 100,000 miles, or loans with a Loan-to-Value ratio over 85%.
⁺Rate based on 36-month term, with automatic payment on autos 2007 and newer. Payment example, a $10,000 auto loan at 5.49% APR for 36-months, monthly payment would be $301.97. Minimum amount financed is $5,000 and must be new money to SPIRE. Other discounts and offers do not apply.

Monthly payments based on $1,000 borrowed.
Rates and terms are subject to qualification. Other restrictions may apply. Interest rates subject to change at any time.
New vehicles must be of model year 2022 or newer with less than 10,000 miles.
See Associate for details.