Spero Loans

Funding for all Life's Adventures

Whether you’re buying a house, shopping for a car, or trying to cover unexpected expenses, we offer the financing you need to accomplish your goals. And since Spero Financial is a not-for-profit financial cooperative, we invest our earnings back into loan programs that offer lower rates and more flexible terms, compared to traditional banks and lenders.

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Loans Designed to Fit Your Life

Experience the financial flexibility that comes from smarter financing.


Auto Loans

If you’re in the market for a new or a pre-owned vehicle, we offer a variety of competitive car loan options, all with lower rates and more flexible terms than you’ll find at traditional lenders.

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Credit Card vs Debit Card

Credit Cards

Use the Spero Financial Visa Platinum Credit Card for everyday purchases and earn one reward point for every dollar you spend.

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Home Equity

Home Equity Loans

Renovating your home? Need to cover educational costs? Starting a business of your own? Get the most out of your home's equity and use the funds the way you want.

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Finding the right home is hard enough. Paying for it shouldn’t be. Our flexible mortgage programs are designed to find the right funding option to meet your needs — all with personalized service throughout the entire process.

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Personal Loans

Life is full of adventure — some planned and some not-so-planned. Whether life goes as planned or surprises you from time to time, a personal loan can provide you with the funding you want or need.

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Savings or Certificate-Secured Loans

Using your Spero savings or certificate account as collateral for a loan allows you to get the money you need at competitive rates and continue earning dividends in the process.

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Motorcycle & Recreational Loans

Life is full of adventure! With a Spero Recreational Loan, get the funding you need to enjoy the journey from start to finish. Loan types include new/used motorcycle, new/used RV or camper, new/used boat, and new/used ATV, UTV & PWC.

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Spero Financial | NMLS #421377

Greg Sheppard, VP of Sales and Lending | NMLS 486623 (ACTIVE)
Mark Normington, Business Lending Manager | NMLS 486630 (ACTIVE)
Jason Currie, Mortgage Manager | NMLS 486626 (ACTIVE)
Dani Culp, Mortgage Loan Processor | NMLS 1418432 (ACTIVE)
Stephanie Towe, Mortgage Loan Processor | NMLS 1502127 (ACTIVE)
John Beeks, Mortgage Specialist | NMLS 1264692 (ACTIVE)
Jon Herring, Mortgage Specialist | NMLS 263927 (ACTIVE)
Dina McDowell, Home Equity Lending Specialist | NMLS 1376733 (ACTIVE)
Jackie Pilgrim, Home Equity Lending Specialist | NMLS 921551 (ACTIVE)
Lindsey Pruette, Home Equity Lending Specialist | NMLS 2108996 (ACTIVE)
Tammy Hattingh, Home Equity Lending Specialist | NMLS 1079781 (ACTIVE)
Cassandra “Kaci” Magyar, Branch Manager | NMLS 2496240 (ACTIVE)
Hannah Woodson, Lending Operations Specialist | NMLS 2570628 (ACTIVE)
Kasey Seckinger, Branch Manager II | NMLS 2493049 (ACTIVE)
Olivia De La Cruz, Member Service Advisor II | NMLS 2534860 (ACTIVE)
Terry Adams, Regional Manager | NMLS 2057274 (ACTIVE)
Dawn Rogers, Member Service Advisor | NMLS 1008654 (ACTIVE)
Sarah Clinkscales, Regional Manager | NMLS 1002643 (ACTIVE)

Access the funds you need when you need them.

Apply for a loan from the comfort of your own home.