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SPIRE mascot, Cash the Dog, makes saving fun for kids 12 & under.
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Choosing a credit card should be simple.
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Refinance your single-family home & duplex investment properties.6
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Simplify your finances and put your money to work.
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We guarantee to offer you a lower rate4 and lower your payment on your non-SPIRE vehicle loan.
Plus, you will get $1002 and won’t have to make your first payment for up to 100 days. Our vehicle refinance process is quick, easy and has no origination fees.
Book an Appointment
Get your questions answered by a SPIRE Consumer Lender at 651.641.2265 or check out our Refinancing FAQs.
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.
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.
Not only will you get a lower rate on your vehicle loan when you refinance,
we'll also give you $1002 just for switching.
Switch your vehicle loan to SPIRE
and enjoy no loan payments for up to 100 days.
Even if you apply and we can't get you a lower rate on your vehicle loan,
we will still give you $504.
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.
Find out how much your payments will be each month.
SPIRE offers many ways to keep your car prestine!
SPIRE Vehicle Protection
Refinancing replaces your old vehicle loan with a new loan with SPIRE.
Borrowers can refinance for many different reasons including a better interest rate, lower payment, to remove a co-signer, or to get cash out for another purpose.
We will need your legal name, Date of Birth, Social Security Number, address, income Information, and approximate loan amount needed. We may need to ask for additional information based on your application status.
SPIRE has a streamlined digital application that only takes a few minutes to complete. You’ll generally get a decision on your application within a couple of hours, many times quicker.
SPIRE will need your vehicle title.
Depending on your existing lender, SPIRE may need you to provide us a payoff statement. Sometimes we can obtain payoff information for you, but not always.
SPIRE will collect any fees that your local Department of Motor Vehicles may require. These can also be added to your loan balance if you choose.
In some cases, SPIRE may require verification of your income or proof of your residence. We’ll let you know if we need to collect that information.
SPIRE does not charge any fees for originating your loan.
Your local Department of Motor Vehicles may require fees to adjust the lienholder on your title. In Minnesota the fee is $13. Other states vary.
You do not. We can fully close on your application digitally if you prefer.
We do need to obtain your original vehicle title. This can be mailed in or dropped off at a SPIRE branch - which ever is most convenient for you.
Your first vehicle loan payment can be up to 100 days from the date you sign your loan documents. This may allow you to skip a couple of months of payments from your old loan scheduled payments.
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.
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.
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 12.31.2022. 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 12.31.2022.