Vehicle Rates

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

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

*APR= Annual Percentage Rate.
Auto loan 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%.
Rates and terms are subject to qualification. Other restrictions may apply.

⁺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.
Loans are subject to credit approval. Other terms and conditions may apply.
New vehicles must be of model year 2022 or newer with less than 10,000 miles.
Interest rates subject to change at any time.
See Associate for details.