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SPIRE Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 07 November 2023
Fact checked

SPIRE Credit Union auto loans overview

SPIRE Credit Union logo

SPIRE Credit Union has been around for over 85 years and continues to offer auto loans with low rates and flexible payment options. Qualified members can lock in financing for a range of new and used vehicles – from cars and motorcycles to recreational vehicles and boats.

Want to see what a SPIRE auto loan will cost? Try the SPIRE Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key SPIRE Credit Union auto loan features

  • Minimum loan amount: $5,000.
  • Maximum loan amount: Up to 130% of the MSRP or JD Power values.
  • Interest rates: As low as 5.99% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: No origination fees.
  • Discounts: Discounted rates for automatic payments, active checking accounts, and SPIRE Visa Credit Cards.

SPIRE CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

You can buy a vehicle or refinance your current loan with SPIRE Credit Union’s auto loans. Pre-owned and new vehicle rates start as low as 5.99% APR. Additionally, you can borrow up to 130% of the MSRP or JD Power value and choose terms up to 84 months.

Recreational vehicle loans

SPIRE offers RV loans with great rates and extended repayment periods, too. Loans are tailored for used and new recreational vehicles, boats, motorcycles, and power sports. RV loans begin at 8.250% APR, boats and motorcycles at 7.750% APR, and power sports at 7.850% APR. Depending on the type of vehicle, terms can be up to 180 months.

SPIRE Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Spire Credit Union

Spire Credit Union auto loan

Spire Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Spire Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a SPIRE auto loan

Eligibility criteria

SPIRE Credit Union doesn’t disclose the criteria for auto financing, but you should normally meet the requirements below:

  • A SPIRE member
  • 18 years old or older
  • A legal resident
  • Employed or have a dependable income

While financial institutions differ in their criteria, borrowers with excellent credit profiles usually get the best rates. With this in mind, consider building your credit before applying, so you can qualify for great rates and flexible terms.

How to join SPIRE

You can join SPIRE if you meet one of the following requirements:

  • Live, work, worship, volunteer, attend school, or do business in certain counties in Minnesota and Wisconsin
  • An immediate family member of a current member of SPIRE Credit Union
  • An employee of a company or organization that offers SPIRE Credit Union as an employee benefit
  • A member of the InSPIREation Foundation

What you’ll need to have ready

Personal details

When you apply for auto financing with SPIRE Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide SPIRE with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Make sure you’re also familiar with the loan application process. Understanding the steps involved can help you carefully plan your application and weigh your choices. In turn, you can end up with a loan you can easily manage in the long run.

Ways to apply for a SPIRE auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 651-215-3500

Additional SPIRE Credit Union auto loan details

  • Automatic payment: Available.
  • Rate discounts: 0.25% discount for automatic payments, 0.25% discount for an active checking account, and 0.10% discount for a SPIRE Visa Credit Card.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: $0.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Hardship program: Skip-a-pay program available. (Learn more)
  • Ways to repay: Digital banking, in person, and by mail.

Vehicle restrictions and limitations

  • Maximum vehicle age: 2007 models.
  • Maximum vehicle mileage: Less than 10,000 miles for new vehicles.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Low interest rates.
  • Longer payment options.
  • Quick loan approval.
  • Up to 130% financing.
  • 0.25% discount with autopay.
  • 0.25% discount for an active checking account.
  • 0.10% discount for a SPIRE Visa Credit Card.
  • No origination fees and prepayment penalties.
  • $100 cash back for refinancing.
  • Convenient online application.
  • Stress-free car-buying services offered.

Cons

  • For members only.
  • Minimum loan amount worth $5,000.
  • Possible higher rates for borrowers with low credit scores.

FREQUENTLY ASKED QUESTIONS

How much interest does SPIRE Credit Union charge on auto loans?

SPIRE vehicle loans start as low as 5.99% APR. Remember though that rates may vary based on different factors, like your loan term and credit profile. Plus, rates will be higher for loans under $10,000, vehicles over 100,000 miles, or loans with over 85% loan-to-value ratio.

What is the maximum term of a SPIRE car loan?

You can make loan repayments for up to 84 months.

Are there discounts available on SPIRE Credit Union vehicle financing?

SPIRE offers 0.25% rate discounts for automatic payments and active checking accounts. You can also get a 0.10% discount with a SPIRE Visa Credit Card.

Does SPIRE Credit Union refinance auto loans?

Yes. You can transfer your existing car loan from another lender to SPIRE. Besides lower rates or monthly payments, you may also get $100 if you refinance your loan.

How long does it take to apply for a SPIRE car loan?

You can apply for loans at SPIRE Credit Union online within minutes.

How do I pay my SPIRE Credit Union vehicle loan?

You can make monthly payments for your vehicle loan through digital banking, a branch, and the mail.

What information do I need to provide when applying for a SPIRE auto loan?

SPIRE Credit Union will ask for your legal name, date of birth, Social Security number, and address. Moreover, you need to provide SPIRE with your income and loan details. Depending on your application, you may need to give more information.

Video: Driver’s Seat (animated commercial) – SPIRE Credit Union

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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