Spero Auto Loans
DRIVE INTO SUMMER FUN!
A limited-time auto loan as low as 3.82% APR.* Plus, hit the road faster with same-day funding1, and enjoy 90 days with no payments.2
Here's how it works:
Get the funds you need to purchase the car you want (or need). Simply apply online to get started. Already purchased a car? No problem. We can help you save money by refinancing to a lower rate. For current rates, click here.
Same Day Funding Available1
Mechanical Repair Coverage is also available.
Mechanical Repair Coverage3
Drive with confidence, knowing you have Mechanical Repair Coverage.
The older your vehicle gets, the more expensive it can be to fix it – and the more often you need to. Mechanical Repair Coverage may help keep those costs in check, saving your budget from future unexpected repair costs. With Mechanical Repair Coverage you can enjoy:
- Substitute transportation: up to $50 per day up to a maximum of 10 days, available on the first day of coverage. Options for traditional rental car or rideshare are available.
- 24-emergency roadside assistance: up to $125 per occurrence, includes towing, battery jumpstart, fluid delivery, flat tire assistance, lock-out service, and extracting your vehicle from an inaccessible area within 50 feet of a paved road or highway.
- No out-of-pocket expense (except for any deductible): the administrator pays the repair facility directly for the covered repair.
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
Apply At Your Local Branch
A member service representative at our branches can help you apply.
Last, but not least:
Membership required. Insured by NCUA.
*Annual Percentage Rate is valid as of 06/01/2025 - 07/31/2025 and is subject to change without notice. Terms and conditions apply. Loans are subject to credit approval. APR includes a 0.25% discount for members with an existing open checking account or for members who establish a checking account prior to closing on the auto loan. APR is based on a new auto loan for $30,000 at 3.74% for 48 months which results in a monthly payment of $673.93. A $50 processing fee applies. Existing members with a direct auto loan are eligible to refinance for this offer if a minimum of $500 is cashed out.
1Same-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.
2Must meet minimum credit and collateral criteria to qualify. 90-days of no payments refers to loans set up on a monthly payment frequency. Weekly, Bi-Weekly, & Semi-Monthly payments will begin sooner to allow a full payment to be made by the 90th day. Existing Credit Union loans are not eligible for refinancing with this offer.
3Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA; where coverage is offered as insurance by Virginia Surety Company, Inc., in NH; where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX; where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK; where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA; where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions and exclusions. Coverage varies by state. Replacement parts may be new, used, non- OEM or remanufactured.
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