Page Banner image

When you find the car you want but don’t have the cash to pay up front, an auto loan can help. While auto loans are very common, auto loan interest rates can be unpredictable and costly. When you belong with Spectrum Credit Union, your car won’t cost you more than it should.

We offer some of the lowest interest rates and flexible loan terms available, and we work with you to find the right loan package to fit your lifestyle.

Our auto loans feature:

  • Flexibility: loan terms from 12 to 84 months1
  • Convenience: loan pre-approval allows you to set up financing before you shop1
  • Value: Up to 120% Loan-to-Value Ratio (LTV), includes tax, registration, fees, license, and warranties1


  • New or used automobiles2
  • Vehicles acquired through private party purchase, lease buy-out purchase, or family transfer transaction3

On a timeline? No problem. We provide same-day loan approval, and we can close a loan within one business day once all documents have been signed and stipulations met.

More information

For any other questions, give us a call at 800-782-8782. For those outside the U.S., please call 510-251-6000.

How much will my vehicle payments be?

Monthly Payment: $0.00

Loan Amount: $0.00

  • Month
  • Monthly Payment
  • Balance
  • Principal Paid
  • Interest Paid
  • Cumulative Interest

Questions? Call us at 800-782-8782


We provide these tools and calculators as a resource to help you evaluate lending products. Results are only estimates, exclude private party transactions, family buyouts, and lease buyouts, and we don't guarantee the results or your ability to receive the loan terms. If you have questions about your specific financial situation, contact your financial advisor.

When selecting an amount, keep in mind that you may need additional funds for anything the dealer may add that isn’t included in the MSRP. Some examples: applicable sales tax, title and registration fees, dealer fees, optional product and services, and other charges.

Your credit history and related score are used by lenders to evaluate your loan and credit requests. Lenders use this information to see if you have missed payments, carry high balances, or are in other ways over-extending yourself financially. For this reason, it's a good idea to check your credit report to make sure inaccuracies aren't impacting your credit.

Annual Percentage Rates (APR) shown are determined based on your credit rating, term, and an estimated loan-to-value ratio. Your application is subject to credit approval using your application and credit information. Additional terms and conditions apply, such as vehicle age and mileage. Typically, down payment requirements are determined based on individual circumstances.

Loan payment examples:

New Vehicle Loan: $18.13 per month per $1,000 borrowed at 3.34% APR for 60 months.
New RV/Personal Watercraft: $18.40 per month per $1,000 borrowed at 3.94% APR for 60 months.
Rate includes .50% reduction with automatic payments.

Rates are subject to change.

Rates shown are "as low as." Rates are subject to change without notice. APR=Annual Percentage Rate.

Depends on amount financed, age of vehicle, mileage, and member’s credit history. Payment example: A 60-month auto loan for $25,000 at 4.99% APR would have monthly payments of $471.71.
2 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. We also have a program for older autos.
3 These transactions will have 0.25% added to the interest rate.

Ready to become a member? Let’s get started.

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.

Why join Spectrum Credit Union? Learn more.

From everyday finance to life’s big money moments, it’s better when you belong.