Auto Loans

The elements can be brutal out here in Alaska, and no one knows that better than your poor vehicle. When it's time to upgrade to something less worse for wear, let us provide the financing.

Special Offer: Get 0.25% off your interest rate on passenger vehicles less than 7 years old with an combined EPA of 26 MPG or higher.

Auto Loans
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3.25% on all new and used vehicles

  • Must be A grade to qualify
  • No reconstructs or classic autos
  • Financing over 105% of MSRP or retail value may result in higher APR.

Contact Consumer Loans: 907-459-5970

Consumer Loans Fax: 459-5986

  • New and used vehicles
  • Low interest rates
  • Various terms available
  • Local approval and servicing
  • Quick decisions both online and in-branch
  • Pre-approval available
  • Easy to apply - call our number above, apply online, or come into any branch!

We loan for more than cars, see our Consumer Loans section for more options...

Close at a Dealership

Choose your new toy or vehicle, apply online for pre-approval with us, and then sign loan documents right at the dealership. Never come into the credit union! Now that's one-stop shopping. We work with the majority of local dealerships in Fairbanks. Check with us for a list of our current dealers. Call our consumer loan department at 459-5970 if you have any questions!

Looking for loan coupons?

*Lowest rate available with discounts is a 3.25% Annual Percentage Rate. On approved credit.

Insurance Info

Insurance Protection Plans

Guaranteed Asset Protection (GAP)

Due to market conditions, the actual cash value of your collateral may decrease faster than your balance. Available on most of our consumer loans, GAP provides added protection for you in the case of theft or a loss of your collateral during the finance period when your loan balance exceeds the insurance settlement amount. As an additional bonus, if you have a qualifying GAP claim and finance a replacement vehicle within 90 days from the date of loss with Spirit of Alaska, you may be eligible to receive a $1000 credit towards your new loan.

Insurance Information

Insurance inquiries and policy changes

For inquiries and to change your insurance information, visit, or call 866-201-0921. You can also fax your policy to 866-895-2553.

Proof of Insurance Requirements

Make sure that Spirit of Alaska FCU is listed as the leinholder on your insurance policy statement, with an address of

Spirit of Alaska FCU

P.O. Box 791647

San Antonio, TX 78279-1647

Deductibles for comprehensive and collision should not exceed $500. We do not accept insurance cards as proof of insurance.

NADA Values

Be prepared before you walk onto the car lot! Find out what your ideal car should cost, the value of your trade-in, and more at Spirit of Alaska FCU determines the loan value of a vehicle by Nada Guide estimates.