Aspire Credit Union - Auto Loans

Vehicle & Toy Loan Special

Chance to Win a Cruise for Two (Worth up to $2,000) When you Finance with Aspire CU!*

Limited-Time Offer: Take advantage of our special vehicle & toy loan rates as low as 4.50% APR*, plus no payments for 90 days!* AND you'll be entered to win one of two chances to receive a 5 Day/4 Night Cruise Vacation for Two to Mexico, the Bahamas or the Western Caribbean (up to a $2,000 value)!

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*APR = Annual Percentage Rate. Giveaway promotion ends 9/30/2026. Subject to credit approval. 90 days no payments available to qualified borrowers; interest will continue to accrue during the deferred payment period. Other restrictions may apply. Contact the Credit Union for full details. Eligible Collateral: ATVs, RVs/travel trailers, watercraft, boats, and side-by-sides. Farm Equipment and mowers included. Policies: All other standard loan policies and underwriting guidelines remain in effect. See full Giveaway offer details here.

helping you save more on your auto Loan is our mission

From first-time car buyers to growing families, Aspire Credit Union offers auto loans designed to fit every stage of life. With competitive rates, flexible repayment options, and fast local approvals, we make financing a new or used car or truck a smooth and positive experience.

Your loan is handled close to home — from decision-making to ongoing service. Our team takes the time to understand more than just numbers, working with you to find financing that aligns with your goals. And with convenient pre-approval options, you can shop confidently knowing your auto loan is already in place before you find the vehicle that’s right for you.

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Loans are subject to credit approval

Auto Services

Guaranteed Asset Protection (GAP)

Our GAP program can help cushion you and your family against sudden out of pocket expenses and goes beyond traditional GAP protection.

GAP Plus can help fill the gap between what your vehicle insurance will pay and what you owe on your loan, if your vehicle is deemed a total loss. Plus, it helps you get into your next vehicle by reducing your next loan at the credit union by $1,000 or more.

Get GAP Plus today so you can worry a little less about tomorrow.

Mechanical Repair Coverage (MRC):

MEMBER’S CHOICE® Mechanical Repair Coverage can help deflect some risk of costly future, covered repairs keeping your vehicle running extra miles and extra years. With different coverage levels and deductibles to choose, there’s a plan to fit your family’s budget.

Whether you depend on your vehicle for work or getting your family to school and activities, you need transportation that’s safe and reliable. The older your vehicle, the more it takes to keep it in good working order. Not making small repairs can lead to even more expensive repairs and ignoring other repairs can be dangerous.

Benefits of the program:

Good at any authorized repair facility in the U.S. or Canada
Rental reimbursement: up to $35/day for 1-5 days (1-10 days for parts delay. Available on first day of covered repair.)
24-hour emergency roadside assistance: up to $100 per use. Includes towing, battery jumpstart, fluid delivery, flat tire assistance and lock-out service.
Travel expense reimbursement: up to $200 per day 1-5 days for food, lodging and rental when a breakdown occurs more than 100 miles from home. (Not available to NY residents.)
Transferable: to increase resale value. Only if sold privately. Subject to transfer fee.
Cancelable: receive a full refund within the first 60 days or a pro-rated refund thereafter less an administrative fee.
No out of pocket expense at time of mechanical repair: (except for any deductible and any repairs not covered by the policy)–the covered repair is paid directly to the authorized repair facility.