SPERO HOPE LOANS
Hope Loans are designed to provide accessible, affordable financing for women working to build stability—especially those who may not qualify for traditional lending.
Hope Empowerment Loan
Designed to give you access to funds when you need them — like covering rent, paying for an education expense, auto repairs, and more.
- No qualifying credit score requirements
- Affordable interest rates
- Loans up to $2,500
Hope Auto Loan
Helping you move forward — (literally) with reliable transportation to get you where you need to go! Get the funds to buy a vehicle or refinance your current one.
- Alternative credit eligibility options, like rent or utility payment history
- Flexible terms and competitive rates
- Up to 125% of the vehicle's retail value
- Loans up to $25,500
Hope Home Equity Loan
Turn your home into a foundation for growth. Access your home’s equity for needed repairs, debt consolidation, or major expenses. A fixed rate provides predictable monthly payments for making budgeting easier.
- Alternative credit eligibility options, like rent or utility payment history
- Competitive interest rates
- Loans up to $15,000
Spero Hope Loans
Yes, you’ll need to become a Spero member to receive a loan. Simply deposit $5 to get started.
This program is designed for single women, specifically those who file as “single”, "qualifying surviving spouse" or “head of household” on their taxes. A tax return will be required to verify income and filing status.
Complete the form above to schedule an appointment with a Member Service Advisor. They’ll guide you through the application and let you know what to bring to the appointment.
We’ll be transparent about all costs before you sign. No surprises.
Life happens. If you run into trouble, reach out to us right away—we’re here to work with you.
The loans will require a credit check for reviewing your application. For each loan, credit qualifying eligibility varies. We’ll let you know upfront before pulling your credit.
Yes, making regular payments on time can help improve your credit history.
Last, but not least:
Membership required. Loans are subject to approval. Terms and conditions apply. Loan terms and availability are valid as of 10/1/2025 and are subject to change or be withdrawn at any time.