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.
We'll beat your current auto loan rate by up to 2.50%*!
Plus, you may be eligible for 90 days of no payments if you choose.²
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.
*All loans are subject to credit approval and underwriting criteria. Rates as low as 4.07% APR. Rate is valid as of 5/20/2026 and is subject to change without notice. APR is based on loan amount of $30,000 at 3.99% for 48 months which results in a monthly payment of $677.35. A $50 processing fee applies. Rate reduction of up to 2.50% is not guaranteed and is based on creditworthiness, loan type, term, and collateral. Advertised reduction includes a 0.25% discount for having an active Spero checking and a 0.25% discount for automatic payments from a Spero checking. All loans are subject to minimum floor rates based on credit tier and loan product. Offer not valid on loans already financed with Spero. Terms, conditions, and offers are subject to change.
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.
²Must meet minimum credit and collateral criteria to qualify. "90 days no payments" applies to loans with a monthly payment frequency and means the first payment may be deferred up to 90 days from loan origination; interest begins to accrue at origination. Not all applicants will qualify. Offer not available on existing Spero loans. Rates are based on creditworthiness, loan type, term, and collateral.
3Mechanical Protection is provided and administered by Mercury Insurance Services, LLC. For details, please refer to the full terms and conditions of the agreement.