We've tested the variables, and the results are clear: It’s time to accelerate your savings! Whether you’re searching for a brand new ride or ready to upgrade your current auto loan, get more room in your budget for the road ahead with Spectra.
1Vehicle loans only. Minimum loan amount to receive cash back is $10,000.00. Re-financing of existing Spectra loans will not earn cash back award. Cash back terms, conditions, and rates are subject to change without notice. Cash back promotion may end without notice. Membership required. Cash back will be deposited into member's account at disbursement of the loan. Applications received through a third party are ineligible for cash back award, Autopay discount, and 60-day no payment promotion.
2Interest continues to accrue during the 60 days of no payments.
3APR = Annual Percentage Rate.
4For all vehicle loans, rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications. This offer does not apply to an existing Spectra vehicle loan or refinances from an existing Spectra vehicle loan. The advertised 0.25% discount on the approved rate is available only to applicants who opt-in to automatic payments for their vehicle loan and retain such. Automatic payments must be set up from an internal Spectra account and maintained throughout the loan term to qualify for the discount. Canceling automatic payments will result in the forfeiture of the discount, an adjustment to the loan rate, and payment amount. Must be in good standing. Membership eligibility requirements must be met. Cancellable without further notice. Rate floor of 4.20% APR on new vehicles and 4.75% APR on used vehicles applies.
