Take a Holiday from your Auto Loan

Take a holiday from your auto loan

You can experience the joy of a new car without breaking the bank. Combine the end-of-year dealer sales with affordable financing from your Credit Union.

New, Used and Refinanced Autos
Rates as low as 2.75% APR 1
Terms up to 60 months
Plus, defer your payment for up to 90 days2 OR get $90 cash back2!

Get up to 0.75% APR3 off your loan rate! The more you have with SPCO – the bigger the discount!

• Checking with direct deposit

• Automatic loan payment transfer

• Guaranteed Auto Protection

• Warranty

• Debt protection

Celebrate the end of the year with savings on auto loans.


1APR=Annual Percentage Rate. Rates are based on creditworthiness and are subject to change without notice. Loan rates and terms are accurate as of 10/01/2018. The as low as 2.75% APR excludes applicable discounts for various SPCO products and services. A fixed rate loan for $30,000 based on a 2.75% APR paid over 48 months would have 48 monthly payments of $660.72. Current SPCO auto loans are not eligible for this refinance offer. Offer expires 12/31/2018. 2 Maximum no payments for 90 days. Member can choose between 90 days no payments OR $90 cash back. Cashback will be paid at loan closing via a deposit into the member’s SPCO savings account. Cash back is subject to all applicable taxes and is your responsibility. Current SPCO auto loans are not eligible. You must be current on your loan to qualify. 30.25% APR off per service listed – checking with direct deposit, automatic loan payment transfer, GAP, extended warranty, and debt protection. Maximum loan discount is 0.75% APR off of the qualifying rate.