Credit union · NCUA insured
Spero Financial Auto Loan Rates
Top CarrotSpero Financial auto loans start at 4.32% APR for a new vehicle and 5.32% for a used one. Rates checked October 22, 2026.
How Spero Financial’s auto loan rates compare
Compared with banks and credit unions near Greenville, SC, where Spero Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Spero Financial
4.32%APR
- Terms
- —
- Up to
- —
Auto Loan
Lowest rate
South Carolina State Credit Union
3.95%APR
- Terms
- up to 96 months
- Up to
- 15.49% APR
2nd-lowest rate
Greenville Heritage Federal Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
Spero Financial auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.32%
- Used vehicleUsed5.32%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Spero Financial ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
Membership required. Insured by NCUA. 90 days of no payments available for eligible loans (existing Credit Union loans are not eligible for refinancing with this offer).
| Terms | APR | Conditions |
|---|---|---|
| — | 4.32% | New (current or previous model year with 30,000 miles or less). Rate as low as stated. Example based on $30,000 loan for 48 months ($678.37/month) and processing fee of $50. |
| — | 5.32% | Used (model year 2018 or newer). Rate as low as stated. Example based on $30,000 loan for 48 months ($691.89/month) and processing fee of $50. |
| — | 8.16% | Older Used (model year 2017 and older). Rate as low as stated. Example based on $15,000 loan for 48 months ($367.34/month) and processing fee of $50. |
Who can join Spero Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in select parts of the counties Spero Financial serves (Anderson, Cherokee, Columbia, Elbert, Greenville, Greenwood, Hart, Laurens, Oconee, Pickens, Spartanburg, and Union counties) are eligible for membership.
Employers and groups
- Individuals who currently work for or are retired from a Select Employee Group (SEG) are eligible for membership.
Family and household
- Individuals who have a family or household member that lives, works, worships, or attends school in select parts of the counties Spero Financial serves are eligible for membership.
- Immediate relatives and household members of a current Spero Financial member are eligible for membership.
- Family or household members of individuals who currently work for or retired from a Select Employee Group are eligible for membership.
Other ways
- Members of the Carolinas Credit Union Foundation's "Friend of the Foundation" are eligible for membership.
Cost to join
- Opening a membership account requires a $5 share deposit, signifying ownership in Spero Financial.
Membership information collected October 4, 2026.