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Applying is quick and easy

Our online pre-approval process allows you to get your personalized rate with no impact to your credit score, so you’ll know what fits your budget before you shop.

Special offers when you apply by September 13:

60-day rate lock1

We'll lock your rate for 60 days – so you can take your time shopping without worrying about changing rates.

90-day deferred payment2

Take advantage of ultra-flexible terms available up to 84 months – and be payment-free for the first 90 days.

Apply Today!

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.

Key loan features:

  • Friendly, personalized service
  • Apply online in minutes
  • Flexible terms available up to 84 months*
  • Loan pre-approval, so your financing is good to go before you buy*

With financing in hand from the Credit Union you know and trust, you can simply focus on finding the right car at the right price.

If you already have an auto loan with another lender, we can help you save! Refinance with us to make your money go further.

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.

1 Rate will be locked and honored for 60 days after application approval if received between June 27 and September 13, 2024.

2 At closing, you have the option to select up to 90 days of deferred loan payments on your new or used auto loan. The actual number of days will depend on the terms of the loan. Interest will accrue on your auto loan beginning on the date the loan is funded and the first payment will be applied to interest accrued from the date the loan is funded to the first payment date and then to principal due.

* Depends on amount financed, transaction type, collateral details, and 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.