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Special summer auto discount – take 0.25% off the normal rate!

Do you have your eye on the perfect car for all your summer plans? When you take advantage of our lowest auto rates of the season for new and used cars by July 9, the perfect summer is within reach. 

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In addition to great rates, we offer incredibly flexible terms from 12 to 84 months, so you can get the payment you need to fit your budget.

You can also get pre-approved to lock in your financing before you shop.2 That means when you’re at the dealership, you can relax, find your perfect car, and focus on getting the right car at the right price.

Ready to get pre-approved? Apply today!

Our auto loans feature:

  • Flexibility: loan terms from 12 to 84 months1
  • Discounts: 0.50% discount when you sign up for auto payments
  • 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 autos2
  • 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. 

Rate example: $25,000 loan at 2.54%4 APR5 for 60 months = $444 monthly payment

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 apply to loans for auto purchases and to auto loans refinanced from other lenders. Rates are subject to change without notice.

1APR = Annual Percentage Rate. APR of 2.29% for new vehicles and 2.64% for used vehicles valid May 17, 2021, through July 9, 2021, and subject to change without notice. Rate includes a 0.50% discount for automatic payments. Rates shown apply to terms of up to 72 months. Rates shown are "as low as." Actual rates will be determined individually based on the amount financed, the term of loan, the model of the vehicle, the mileage of the vehicle, and the member's credit history. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Example: At an APR of 2.29% for 72 months, your monthly payment will be $14.88 per $1,000 borrowed.

2 Depends on amount financed, age of vehicle, mileage, and member’s credit history.


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.