Car & Auto Loan

SPIRE Car & Auto Loans

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!

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New Vehicles

Auto Loans: New VehiclesRates Effective: 6/21/2019

APR* Term Payments/$1000 borrowed
New Vehicle 2019 & Newer2.90036$29.04
New Vehicle 2019 & Newer3.10048$22.18
New Vehicle 2019 & Newer3.30060$18.10
New Vehicle 2019 & Newer3.65072$15.49
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


Take the haggle and hassle out of buying a vehicle. CU Auto works to find SPIRE members the new or used vehicle of choice. CU Auto will even take your trade in.  Foreign and domestic cars are available.

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 03.31.20.

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Call us

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We are here to help.
888.34.SPIRE or 651.215.3500

Email Us

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Visit Us

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Apply in person at your local SPIRE branch.

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