Spero Auto Loans
Personalized Financing that Puts You In The Driver's Seat
Whether you're buying a new or used vehicle or needing to refinance, Spero Financial provides convenient financing customized to your needs — and your budget.
Rates as low as 3.60% APR for auto refinance or purchase!*
Here's how it works:
Get the funds you need to purchase the car you want (or need). Simply apply online to get started. Already purchased a car? No problem. We can help you save money by refinancing to a lower rate. For current rates, click here.
Same Day Funding Available1
Mechanical Protection Coverage is also available.
Mechanical Protection Coverage3
Drive with confidence, knowing you have Mechanical Protection Coverage.
The older your vehicle gets, the more expensive it can be to fix it – and the more often you need to. Mechanical Protection Coverage covers the repair costs for unexpected failures of your vehicle's major mechanical and electric components. While coverage may vary depending on the specific plan you choose, most agreements include protection for engine components, transmission systems, drive axle assemblies, electrical systems, AC and heating systems, fuel delivery, steering and suspension components, and brake systems (excluding routine wear items like pads).3 Plus, there's added benefits such as:
- 24-hour Roadside Assistance
- Rental Vehicle Assistance
- Road Hazard Tire Protection
- Trip Interruption Coverage
- Choice of any licensed U.S. repair facility to fix your vehicle
- Transferable coverage if you sell the vehicle
- and more!
Get Pre-Approved
When you get pre-approved* for a Spero Financial auto loan, you can select the perfect car and negotiate with confidence on what really matters: the price.
Two Ways to Apply
Apply At Your Local Branch
A member service representative at our branches can help you apply.
Last, but not least:
Membership required. Insured by NCUA.
*Subject to credit approval. "Drive Your Rate Down" promotion is valid as of 3/9/2026 and subject to change without notice. Members with an existing open checking account (in good standing) or for members who establish a checking account prior to obtaining the auto loan, will receive a 0.25% rate discount. Members who set their loan up on automatic payment from their Spero checking account will receive a rate discount of 0.25%. Terms and conditions apply. APR is based on a new auto loan for $30,000 at 3.49% for 48 months which results in a monthly payment of $671.00. A $50 processing fee applies.
1Same day funding available on loans if: (1) your application is received in-branch by 2:00 pm on any day the credit union is open; (2) your application is approved using our standard underwriting guidelines; (3) you've provided all relevant information requested and we've verified the information provided; and (4) you've reviewed and signed the loan agreements(s) and disclosures.
3Mechanical Protection is provided and administered by Mercury Insurance Services, LLC. For details, please refer to the full terms and conditions of the agreement.