Trusted Local Credit Union

Loans for New and Used Autos in Fairbanks, Alaska.

Get on the road!

Spirit of Alaska Federal Credit Union will help you:
  • Find the best rate and loan terms
  • Get Pre-approved for a loan
  • Purchase your first car
  • Shop for a car in Anchorage
Why Choose Spirit of Alaska?
  1. In Business Serving Interior Alaska since 1960
  2. Experienced Loan Officers
  3. Support from People in Fairbanks
  4. Award Winning Service

Call A Loan Officer Now

Our loan officers will pick up in 30 seconds or less (estimated time is on average).


Apply Online Now

Our Online Application is fast and easy! There’s no need to come into a branch for your loan.

Apply Now

Local Dealership Partners

Seekins Ford Lincoln Kendall Toyota of Fairbanks Chevrolet Buick GMC Fairbanks Fairbanks Nissan Gene's - The official dealership of life in Alaska Affordable Used Cars


Auto Loan Rates

Type of Loan Term APR*
New Model Autos, Trucks & Vans** Up to 60 months. Term based on value of vehicle. Fixed Rate As Low As 5.25%
New & Used Non-Commercial Vehicles Up to 96 months. Term based on value of vehicle. Fixed Rate As Low As 5.99%
Classic Vehicles Up to 96 months. Term based on value of vehicle. Max financing of 75% of value. Fixed Rate As Low As 7.00%
Reconstruct Vehicles Up to 72 months. Term based on value of vehicle. Max financing of 50-75% of value. Fixed Rate As Low As 6.99%

Refer to our Pricing Guide (PDF) for transaction and activity fees, as well as credit union membership fees. A loan processing fee of $35 will be charged per signer. Other loan fees and terms may vary and will be disclosed at the time of the loan verbally and in the loan disclosures.

*APR = Annual Percentage Rate. Current as of 27 March 2023. Up to 100% financing available, some restrictions may apply. Interest rates and terms dependent on credit qualifications. Interest rates on new Non-Commercial Auto’s, Trucks, Vans, Classic and Reconstructed vehicles are subject to change at any time. Loans under $2000 may have substantially higher APR. Optional Spirit of Alaska Protection and GAP Coverage available.

New Model Vehicle Rate
**On Approved Credit. New Model Rate is for new passenger-vehicle models of the current year of the application. Borrower credit score must be 680 or higher and borrower(s) must meet all criteria of an A borrower. No co-signer deals, refinances, or used autos allowed. All approvals must be funded within 30 days. 100% max loan-to-value, prior to fees and back-end, with a max term of 60 months.

Contact the Loan Department at (907) 459-5970 for more detail.

Federal law requires us to verify all identities when opening new accounts. If you are applying with a joint applicant, their consent is implied when the application is submitted with the online loan application.