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Auto Loans

Overview

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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.

  • 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.

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.

*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

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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 [date]. 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

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Calculate Your Payment





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

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

FAQ

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FREQUENTLY ASKED QUESTIONS

Yes. However, Spirit of Alaska will only finance 75% of the vehicle’s value, on approved credit.

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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