• Overview

    Auto Loans

    Here at Spirit of Alaska, we know that getting an auto loan can be tough and is a big decision. It’s normal to have questions about everything: from the best rate for you, to loan terms and promotions.  We work hard to make it easy with simple applications and friendly loan officers.

    So, whether you’re interested in purchasing your first car, replacing an older one, or simply getting a better interest rate on your existing automotive loan, our loan officers are here to help. Keep in mind that reconstructed and classic cars are subject to higher interest rates, but we have programs for those too.

    Apply now from your computer, mobile phone, tablet, or in person with one of our friendly loan officers. More questions? Contact Consumer Loans at 907-459-5970.

    Comprehensive auto loans to help you purchase the vehicle of your dreams

     

    • Pre-approvals and same-day approvals are available in most cases.
    • Up to 96 monthly payments.
    • A simple application process for both online and in-branch.
    Apply Now

    Looking for a better rate on your current vehicle?

    Spirit of Alaska FCU can often refinance your vehicle at a great rate, especially if your credit has improved.

    For best rates, the borrower must have A-grade credit.  Rate is for New & Used passenger-vehicle models.

    Apply Now

    Absolutely love this credit union! The staff is always so friendly & so helpful. They do a great job servicing our loans & have been extremely helpful when needing to make vehicle purchases, etc. out of town. HIGHLY RECOMMEND!!!

    Jessica Rady

    Rate Terms & Conditions

    *Loan fees and terms may vary and will be disclosed at the time of the loan verbally and in the contract. Financing over the retail or MSRP value may result in a higher APR. See the Rates tab on this page for complete interest rate and fee details.

    Looking for an ATV or snowmachine loan?

  • Rates

    Auto Loan Rates

    Type of Loan Term* APR**
    New & Used Non-Commercial Vehicles Up to 96 months. Fixed Rate As Low As 6.24%
    Classic Vehicles Up to 72 months. Fixed Rate As Low As 7.74%
    Reconstruct Vehicles Up to 72 months. Fixed Rate As Low As 7.99%

    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.

    *Terms are based on credit qualifications, value of collateral, and amount to finance

    **APR = Annual Percentage Rate. Current as of 9 May 2025. 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.

    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.

  • Calculator

     

    Calculate Your Payment





    Format: 12m, 36m, 3y, 7y

    Monthly Payment:
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    Number of Payments:
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    Total Payments:
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    Total Interest:
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    These calculators do not include loan fees or optional GAP or MRC insurance.

    Calculate Your Payment

    These calculators do not include loan fees or optional GAP or MRC insurance.

  • FAQ

    Frequently Asked Questions

  • Apply Today

e-Teller Login

Alert:

Scammers are increasingly targeting financial accounts by posing as credit union or bank employees. Never share your one-time passcodes, authentication codes, debit/credit card numbers, or online banking passwords. Spirit of Alaska will never request these details over the phone, via email, or through text. If you receive a suspicious call, even if it appears to be from our official number, hang up and contact us directly at 907-459-5900 to verify.

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I need help with Auto Loans

We’d love to help! Just give us your name, phone number, and email address and we’ll contact you as soon as possible!

    For your security, do not include sensitive information, such as Social Security numbers or account numbers, in your message. If you need to communicate with us about sensitive information please use the Message Center in e-Teller, your online banking application, or call us during regular business hours so we can verify your identity. For other inquiries, send us a message here and we're happy to help!

I have a question

We’d love to answer your questions! Just give us your name, phone number, and email address and we’ll contact you as soon as possible!

    For your security, do not include sensitive information, such as Social Security numbers or account numbers, in your message. If you need to communicate with us about sensitive information please use the Message Center in e-Teller, your online banking application, or call us during regular business hours so we can verify your identity. For other inquiries, send us a message here and we're happy to help!

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Letter from our Consumer Loans Department

A Message From Spirit of Alaska Federal Credit Union Consumer Loans Department About The COVID-19 Outbreak

As you know, the spread of COVID-19 has touched just about every aspect of our daily lives — from our families and schools to our places of work and worship.

We understand the uncertainty during this unprecedented time and want to let you know about some of the proactive measures our consumer loans department has in place to continue to support and serve our customers.

Payment concerns:

If you anticipate that it will be difficult or impossible for you to make your payment, there are options available.

If you become ill, are quarantined, your employment status changes or another hardship arises as a result of the COVID-19 outbreak, you may be eligible for short-term relief.

Please email us or call (907) 459-5970. We will work with our borrowers on a case-by-case basis to assist in any way possible.

If you have questions:

If you have any questions, please don’t hesitate to reach out to our team. Please stay safe and healthy during this unprecedented time.

Email: cloans@spiritofak.com
Phone: (907) 459-5970