Appointments
Whether you’re an early bird or a night owl, we provide business lending on your schedule. Our online loan portal reduces the application process timeline by 23 hours or more – saving you precious time to focus on running your company.
Check the background of this firm or your financial professional on FINRA's BrokerCheck.
Since no two paths are alike, there is no cookie-cutter solution to investments and retirement planning. At Spectra Investment Services, we believe your investment and retirement plans should be as unique as the path you took to get here.
Got your eye on a car, hybrid, truck, van, or motorcycle? Check out our eye-catching rates on new and used vehicles and apply for an auto loan today.
Buying your first car shouldn’t be stressful. Our deals will make you feel as good as your first ride.
What floats your boat? We have loans for a wide variety of recreational vehicles, including RVs, campers, jet skis, —and yes, boats.
Get pre-approved2 for a new or used car, truck, boat, or RV, and receive your loan check within one business day. Use this check at any dealer and it’s as good as cash, giving you maximum buying power.
With a PAL check you:
Discover a hassle-free experience with our Car Buying Service powered by TRUECar®.
Horace Daniel ChFEBC, CRPC
conferred by College for Financial Planning
LPL Financial Advisor
(301) 839-8826
Madea Badio
Program Coordinator
mbadio@spectracu.com
(301) 749-4806
*APR =Annual Percentage Rate
For all vehicle loans, rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications.
General requirement
For all vehicle loans, collision and comprehensive insurance are required during the life of the loan.
Membership eligibility requirements must be met.
Payment Estimates: For auto loans, estimated payment per $1,000 borrowed is $30.17 for 36 months
1For all vehicle loans, rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications. Rates apply for new and used vehicles. 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. Automatic payments must be set up from an internal Spectra account and maintained throughout the loan term to qualify for the discount. The discounted rate will be applied at the time of loan approval and will remain in effect as long as automatic payments are active. Canceling automatic payments will result in the forfeiture of the discount, an adjustment to the loan rate, and payment amount. Cancellation of automatic payments is considered final and irreversible. Once automatic payments are canceled, any attempt to reinstate them will not revert your loan terms to previous promotional or offer discounted rates. To maintain this offer and avoid being removed from the program, your loan must be in good standing. For all vehicle loans, collision and comprehensive insurance are required during the life of the loan. Membership eligibility requirements must be met. Spectra Credit Union reserves the right to end this offer at any time without further notice.
2No minimum credit score is required. Loan terms and borrowing limits apply. Minimum amount to finance a 96 month term is $50,000. The maximum loan to value of new vehicles is 100%, used (prior year) is 100%, and older is 100% including taxes, title, and warranty. Not valid for Vehicles over ten years old. PAL loans not available for first-time buyer program and does not apply for Private Purchases. Cars not eligible can go through regular underwriting. Spectra Credit Union reserves the right to end this promotion at any time without further notice.
3 Between 1/1/21 and 12/31/21, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through a TrueCar-powered auto buying program and who were identified as buying a new vehicle from that Certified Dealer was $1,824. Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change. The MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer’s trade area, as many vehicles are sold below MSRP. Each dealer sets its own pricing.
4Rates apply to new vehicles only. New vehicles are defined as current calendar year and prior year on which you are the original owner. Maximum loan to value of new vehicles is 100%, used (prior year) is 100%, and older is 100% including taxes, title, and warranty. For auto loans, the minimum amount to qualify for 84 month financing is $30,000. Estimated payment per $1,000 borrowed is $30.17 for 36 months. For recreational vehicles, the maximum term is 120 months for loans between $25,000 and $75,000. Maximum term is 120 months for loans between $75,000 and $100,000. The maximum loan term for loans greater than $100,000 is 120 months. Collision and comprehensive insurance is required on all vehicles during the life of the loan. Spectra Credit Union reserves the right to end this promotion at any time without further notice. Membership eligibility requirements must be met.
