Credit union · NCUA insured
Spirit Financial CU Auto Loan Rates
Spirit Financial CU auto loans start at 5.74% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Spirit Financial CU’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Spirit Financial CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Spirit Financial CU
5.74%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New Auto Loan
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
Spirit Financial CU auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Spirit Financial CU 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 Refinancing
Minimum auto loan amount is $5,000. Current Spirit Financial Credit Union auto loans are not eligible. Proof of current APR is required to beat current rate by 1% APR. Floor rate is 4.74% APR. 90-day deferred payment option (finance charges accrue during the 90 days). Terms up to 84 months and financing up to 120% of NADA value for 2016 and newer vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.74% | 1% rate-beat promotion off verified current rate with a 4.74% APR floor rate. First payment deferred for 90 days. Minimum loan amount $5,000. 2016 and newer vehicles up to 120% NADA value. Existing Spirit Financial auto loans excluded. |
Sources (3)
All captured Oct 16, 2026
New Auto Loan
Rates are based on creditworthiness. Financing up to 120% NADA value on 2016 and newer models plus tax and tags. Flexible terms up to 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.74% | Up to 60 months. 120% NADA on 2016 and newer models. |
| up to 72 months | 5.99% | Up to 72 months. 120% NADA on 2016 and newer models. |
| up to 84 months | 6.24% | Up to 84 months. 120% NADA on 2016 and newer models. |
Sources (2)
All captured Oct 16, 2026
Used Auto Loan
Rates are based on creditworthiness. Financing up to 120% NADA value on 2016 and newer models. Flexible terms up to 72 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99% | Up to 60 months. 120% NADA on 2016 and newer models. |
| up to 72 months | 6.24% | Up to 72 months. 120% NADA on 2016 and newer models. |
Sources (2)
All captured Oct 16, 2026
Who can join Spirit Financial CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school anywhere in Bucks County, PA.
Family and household
- Membership is open to family members and immediate family members of existing Credit Union members.
Cost to join
- Opening membership requires an initial $5 deposit into a share savings account.
Membership information collected October 5, 2026.