Personal Loans

Whatever your goals may be, SPIRE has a way to help you achieve them.

Get extra cash for whatever life throws your way.
Enjoy no origination or pre-payment fees. From application to loan funding, the process is quick and easy.

Take the Next Step

Apply Now
Book an Appointment

Apply online today and start achieving your goals.

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.

Conquer Your Debt

With rates often lower than most credit cards, you can
consolidate your debt into one loan and pay it off faster.

Upgrade Your Space

Get money to refresh a room, update your work-from-home space, or remodel your house.
No equity or closing costs needed. We offer loans up to $50,000 with up to a six-year loan term.

Quick & Easy Financing

Apply online in just minutes with no origination fees.
You can also meet with a SPIRE representative to discuss your options and apply on the spot.

Rates

Personal Installment LoansRates Effective: 11/20/2023

	APR*	Monthly Term	Monthly Payments
Installment Loans (Less than $5,000)	As low as 17.50 (36 month)	Terms available up to 48 months	$35.91
Installment Loans ($5,000 and Greater)	As low as 11.24 (36 months)	Terms available up to 72 months	$32.86
Home Improvement Installment Loan ($10,000 and Greater) *Ask for Details	As low as 14.24	Up to 120 months	$15.68

Line of CreditRates Effective: 11/2/2020

	APR*	Monthly Term
Advantage Line of Credit (Under $5,000)	16.00	N/A
Preferred Line of Credit (Over $5,000)	As low as 12.50	N/A

Share SecuredRates Effective: 11/2/2020

	APR*	Monthly Term
Share Secured Loans	3.00% over highest Dividend Share Savings or Certificate Rate	Less than $2,000 up to 48 months or not to exceed the Certificate maturity date. $2,000 and greater up to 120 months or not to exceed the Certificate maturity date.

Other Secured LoansRates Effective: 11/20/2023

	APR*	Monthly Term
Other Secured Loans (Utility Trailers, Classic Cars, Lawn/Farm Equipment)	11.64	Up to 60 months

VIEW ALL RATES
^*Annual Percentage Rate.
Minimum repayment period of 181 days for personal installment loans.
Rates and terms are subject to qualification. Other restrictions may apply. Interest rates subject to change at any time.

Monthly payments based on $1,000 borrowed.
Personal Loan Payment Example: Assuming a $5,000 personal loan for 36 months at 11.24% APR, the monthly payment will be $164.28.

Calculate Your Loan

Find out how much your payments will be each month.

Financial Calculators

Visa Credit Cards

Enjoy low rates, chip security, and SPIRE Mobile Wallet.

SPIRE Visa Credit Cards

Additional Loan Options

Personal Line of Credit

With a revolving line of credit, you borrow up to your pre-approved limit by advancing it only as you need the money. Your line of credit can be set up as overdraft protection on any SPIRE checking account.

Share/Certificate Secured Loan

Using your savings or a certificate as collateral, this is a great way to help you build credit while enjoying a low interest rate.