Auto Loans

Looking for a new car? Want to refinance the one you have? Let SPXFCU give you the keys to financial freedom.

Apply for an Auto Loan Today!

Rates Calculator

Want to calculate your monthly payment? Enter values into the calculator below. Add extra rows to compare different values.
*This is only an estimate. You will need to speak to a SPXFCU representative for accurate quotes and payment options.


Out with the old auto loan, in with new low rates and flexible terms.

  • A one-stop shopping experience at multiple local dealerships
  • Leasing options that allow you to trade in or buy at the end of your term
  • Car buying resources to help you find the perfect vehicle
  • Great low rates and flexible terms that work for you!

Current Rates

*All rates effective: June 11, 2024

Loan Type Maximum Term APR as low as*
Newer Vehicle (2024-2022) Up to 48 months 6.25%*
49 – 66** months 6.55%*
67 – 75** months 6.75%*
76 – 84** months 7.25%*
Used Vehicle (2021-2018) Up to 48 months 6.55%*
49 – 66** months 6.85%*
67 – 75** months 7.55%*
76 – 84** months 8.05%*
Used Vehicle (2017-2014) Up to 48 months 7.80%*
49 – 66** months 8.10%*
67 – 75** months 8.80%*

* Annual Percentage Rate (APR) Rates and loan terms are determined based on applicant’s past credit history and will vary based on credit score. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates do not apply to refinance of an existing loan with SPXFCU. Rates subject to change without notice. Membership subject to eligibility. Other terms available.
**Estimate includes principal and interest only for longest term.

See What the SPXFCU Family Are Saying

I would recommend SPX to anyone looking for a fair and supportive credit union!

Anthony V.


A great value we bring to our customers is that we are not just employees, we are lifelong members.

Bob C.


Everyone is treated like family at SPX. I’m proud to work here and I’m thankful that everyone at St. Pius is a part of my life.

Katelyn M.


We offer a personalized service to our membership that is unmatched by our competition. We help create a more financially sound future for our members.

Matt A.


As a member of St. Pius Credit Union, I’ve experienced the most wonderful customer service assistance in banking.

Randolph G.


SPX has excellent customer service. Everyone is helpful and friendly!

Shirley D.