Auto Loans: New Vehicles

Rates Effective: 9/26/2022

APR*
Monthly Term
Monthly Payments

New Vehicle 2021 & Newer+3.74036$29.41
New Vehicle 2021 & Newer4.20048$22.67
New Vehicle 2021 & Newer4.40060$18.60
New Vehicle 2021 & Newer4.75072$15.99
New Vehicle 2021 & Newer5.75084$14.49

Auto Loans: Used Vehicles

Rates Effective: 9/26/2022

APR*
Monthly Term
Monthly Payments

Used Vehicle (2006-2021)+3.74036$29.41
Used Vehicle (2016-2021)4.45048$22.78
Used Vehicle (2016-2021)4.65060$18.71
Used Vehicle (2016-2021)5.00072$16.10
Used Vehicle (2016-2021)6.00084$14.61
Used Vehicle (2006-2015)4.65036$29.81
Used Vehicle (2006-2015)4.85048$22.96
Used Vehicle (2006-2015)5.05060$18.89

*APR= Annual Percentage Rate.
Auto loan rates disclosed reflect a 0.25% discount for automatic payment, a 0.25% discount for having an active checking account, and a 0.10% discount for having a SPIRE Visa Credit Card. Finance up to 130% of the MSRP on new autos and 130% of the JD Power values on used autos for qualified borrowers. Rates will be higher on loans under $10,000 and vehicles over 100,000 miles.
Rates and terms are subject to qualification. Other restrictions may apply.

+Rate based on 36-month term, with automatic payment on autos 2006 and newer. Payment example, a $10,000 auto loan at 3.74% APR for 36-months, monthly payment would be $294.09. Minimum amount financed is $5,000 and must be new money to SPIRE. Other discounts and offers do not apply.

Monthly payments based on $1,000 borrowed.
Loans are subject to credit approval. Other terms and conditions may apply.
New vehicles must be of model year 2021 or newer with less than 10,000 miles.
Interest rates subject to change at any time.
See Associate for details.