If you’re eligible for membership, we’re ready to hear from you. Not sure if you’re eligible? You can check if you qualify here.
Explore Spectrum Credit Union's competitive Vehicle Loan rates and secure financing for your next purchase or refinance an existing loan from another lender with ease.
Rate Effective Date :
Oct 14, 2024
Loan Type
| Vehicle Type | APR as low as1 | Term (Months)2 | Link to more information |
|---|---|---|---|
| New | 5.75% | 12-60 | Get Started |
| New | 6.00% | 61-72 | Get Started |
| New | 6.65% | 73-84 | Get Started |
| Used | 6.10% | 12-60 | Get Started |
| Used | 6.35% | 61-72 | Get Started |
| Used | 7.00% | 73-84 | Get Started |
| Vehicle Type | APR as low as1 | Term (Months)2 | Link to more information |
|---|---|---|---|
| New | 7.89% | 12-120 | Get Started |
| New | 8.39% | 121-180 | Get Started |
| Used | 8.39% | 12-120 | Get Started |
| Used | 8.89% | 121-180 | Get Started |
| Vehicle Type | APR as low as1 | Term (Months)2 | Link to more information |
|---|---|---|---|
| New | 5.75% | 12-60 | Get Started |
| New | 6.00% | 61-72 | Get Started |
| New | 6.65% | 73-84 | Get Started |
| Used | 6.10% | 12-60 | Get Started |
There’s more to the car buying process than securing financing.
From land to sea, we have your vehicle needs covered.
1 APR = Annual Percentage Rate. Rates are subject to credit approval and shown are “as low as”. APRs range based on factors including transaction type, loan term, payment method, vehicle condition, and credit worthiness/score. Loan terms are based on various factors including amount financed. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Offered rates are subject to change without notice.
2 Actual term based on amount financed.
Auto: If your vehicle model year is the current year or within the previous two years and the mileage does not exceed 30,000, we consider it new. If your vehicle model year is within the past nine years and the mileage does not exceed 125,000 miles, we consider it used. Talk to us about programs for older autos.
Motorcycle: If your motorcycle model year is the current year or within the previous two years and the mileage does not exceed 30,000, we consider it new. If your motorcycle model year is within the past seven years and the mileage does not exceed 125,000, we consider it used. Talk to us about programs for older motorcycles.
Loan payment examples:
New RV/Personal Watercraft: $20.23 per month per $1,000 borrowed at 7.89% APR for 60 months.
Find a Branch