You Choose Your Gift

you choose your gift

It’s the holidays and everyone deserves a gift (or two). The end-of-year is a great time to buy a new or used vehicle or refinance your auto loan from another lender. Combine dealer discounts with affordable SPCO financing:

• New, Used and Refinanced Autos

• Great, low rates starting at 3.50% APR1

• Terms available up to 72 months

No payments for up to 90 days2

• Affordable monthly payments

Mention this advertisement and choose from one of three great gifts:

1. Free GAP valued at $4953 OR

2. Dent Guard up to $500 value3 OR

3. Up to $500 cash back3

Don’t let the dealer sell you an overpriced extended warranty or GAP. Get it at SPCO for free or apply your cash back to an already affordable SPCO extended warranty!

Apply Today

1 APR=Annual Percentage Rate. Rates are based on creditworthiness and are subject to change without notice. Loan rates and terms are accurate as of 10/01/2019. The as low as 3.50% APR excludes applicable discounts for various SPCO products and services. A fixed-rate loan for $30,000 based on a 3.50% APR paid over 48 months would have 48 monthly payments of $670.68. Current SPCO auto loans are NOT eligible for this refinance offer. 2 Maximum no payments for 90 days available to qualifying members. 3 Member must mention this promotion when applying for or closing their vehicle loan to be eligible to receive a gift. Member can choose one of the three options: 1. Guaranteed Auto Protection = $495 value. 2. Dent Guard up to $500 value maximum. Dent Guard price varies based on the term selected. No cash value issued if Dent Guard price is less than $500. Member must pay the difference if over $500. 3. Up to $500 cash incentive equal to one percent (1%) of the vehicle loan balance financed at SPCOCU. 1% of a $30,000 loan amount is $300. Cash back bonus will be deposited into the member’s SPCO savings account at loan closing. All prizes are subject to all applicable taxes and are your responsibility. Current SPCO auto loans are not eligible for this gift offer. You must be current on your SPCO accounts to qualify. Offer expires December 31, 2019.