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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.

Three Ways to Apply

Free Online Banking

Apply Online

A lending specialist will respond shortly, within business hours.

Apply Online

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Apply At Your Local Branch

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

Find A Branch

Free Online Banking

Apply Over the Phone

You can call us directly at 1 (800) 922-0446.

Call Now


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.

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.