Spero Auto Loans

Personalized Financing that puts you in the driver's seat

Whether you're buying a new or used vehicle, Spero Financial provides convenient financing customized to your needs — and your budget.

Apply Online

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auto loans

Here's how it works:

Get the funds you need to purchase the car you want (or need). Simply apply online to get started. Plus, benefit from 60 days of no interest and 90 days of no payments, if you choose1. Already purchased a car at the dealership? No problem. We can help you save money by refinancing at a lower rate.

3.49%

APR
Rates as low as
for new car loans2

4.49%

APR
Rates as low as
for used car loans2

Same Day Funding Available3

Extended warranty programs are also available.

Current Rates Chart

Don't let traditional auto lenders take you for a ride. Let Spero Financial put you behind the wheel for less.

What type of automobile are you buying?

New Auto Loans

3 years old and less than 30,000 miles

Apply Now for new auto loans

Loan Term Length

48 Months or Less

5.56%APR*

60 Months or Less2

3.49%APR2

60 Months

6.15%APR*

72 Months

6.65%APR*

84 Months

6.90%APR*

Used Auto Loans

7 years old or less or 10 years old or less for luxury vehicles4

Apply Now for used auto loans

Loan Term Length

48 Months or Less

6.65%APR*

60 Months or Less2

4.49%APR2

60 Months

7.15%APR*

72 Months

7.65%APR*

84 Months

7.90%APR*

Older Used Auto

7+ years old or less or 10+ years old or less for luxury vehicles4

Apply Now for older used auto

Loan Term Length

48 Months or Less

8.65%APR*

60 Months or Less2

6.49%APR*

60 Months

9.15%APR*

72 Months

9.65%APR*

84 Months

9.90%APR*

New Auto Loans

Used Auto Loans

Older Used Auto

What type of automobile are you buying?

3 years old and less than 30,000 miles

Apply Now for new auto loans

7 years old or less or 10 years old or less for luxury vehicles4

Apply Now for used auto loans

7+ years old or less or 10+ years old or less for luxury vehicles4

Apply Now for older used auto

Loan Term Length

48 Months or Less

5.56%APR*

6.65%APR*

8.65%APR*

60 Months or Less2

3.49%APR2

4.49%APR2

6.49%APR*

60 Months

6.15%APR*

7.15%APR*

9.15%APR*

72 Months

6.65%APR*

7.65%APR*

9.65%APR*

84 Months

6.90%APR*

7.90%APR*

9.90%APR*

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Get Pre-Approved

When you get pre-approved* for a Spero Financial auto loan, you can select the perfect car and negotiate with confidence on what really matters: the price.

Two Ways to Apply

Free Online Banking

Apply Online

A lending specialist will respond shortly, within business hours.

Apply Online

local branch

Apply At Your Local Branch

A member service representative at our branches can help you apply.

Find A Branch

extended warranty

Extended Warranty

With Mechanical Breakdown Protection from Route 66 Warranty, be ready for the unexpected.5

Even the most reliable vehicle can develop a mechanical problem. Available for both new and pre-owned vehicles, this extended warranty protects you from major mechanical expenses, and there is no deductible on covered parts or labor. Plus, your vehicle does not have to be financed with Spero Financial to enjoy this member perk! Benefits include:

  • Available for both new and pre-owned vehicles
  • Zero deductible with direct claim payments via Visa/MasterCard
  • Coverage is transferable if you sell your vehicle before your agreement expires - providing added resale value
  • Nationwide coverage and 24/7/365 emergency roadside service
  • 30 Day Money-Back Guarantee
  • Total Loss Refund: If your car is a total loss by the insurance company due to collision or act of God, Route 66 will refund the entire original premium of your service agreement.

Open Warranty


Last, but not least:

Membership required. Subject to credit approval.

*Annual Percentage Rate is based on a credit score of 730 or greater (excludes thin file).

1 Must meet minimum credit and collateral criteria to qualify. Actual term of loan begins no sooner than 60 days after the loan origination, and payment is based on actual term. Existing Credit Union auto loans are not eligible for refinancing with this offer. Program, rates, terms, and conditions are subject to change without notice.

2 Special rate is for members that meet the following qualifications: 730 or greater credit score, loan-to-value is 110% or less of retail or invoice, loan term is no more than 60 months, discounts to rate do not apply.

3 Same-day funding available on loans if: (1) the application is received by 2:00 p.m. on any day the credit union is open; (2) your application is approved using our standard underwriting guidelines; (3) you’ve provided all relevant information requested and we’ve had an opportunity to verify the information provided; and (4) you’ve reviewed and signed your loan agreements and disclosures.

4 Used luxury vehicles are classified as: Acura, Audi, BMW, Cadillac, Infiniti, Lexus, Mercedes-Benz, and Porsche.

5 This information is not intended to provide in depth information about all plans available. It only provides a basic overview of the Route 66 plans. Complete terms and provisions are contained within each of the plans.

Monthly payment example: For a $10,000 loan with a term of 60 months at 7.15%, the monthly payment would be $198.76.

Need to find out what your car is worth?

Check out our Auto Loan Advice page for tips on buying or selling a car.