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Loans & Credit Cards

Vehicle Loans

Sperry Keeps You Moving!

Our competitive rates on both new and used vehicles are.  We can even save you money by refinancing your current vehicle.  We can refinance your car from 12 to 84 months.  Need a lease buy-out? Yeah... we do that too! 

Our team will work with your budget whether you're a first-time buyer or an experienced owner.

For existing vehicle loans - Submit or update your insurance information here. Insurance documents may be faxed to 877-538-6031. For questions regarding collateral insurance on your vehicle contact us at 866-866-3615 or

New Vehicle Loan

  • Low rates that get you on the road!
  • Terms up to 84 months
  • Loan amounts up to $150,000 to finance the vehicle of your dreams!


Used Vehicle/Refinance Loan

  • Low rate
  • Terms up to 84 months
  • Loan amounts up to $150,000


First-Time Car Buyer Loan

Time for your first car?  If so, make us your first stop.  We are ready to help you get behind the wheel – affordably!  Our First-Time Car Buyer Loan is designed for those with little to no credit, and are looking to buy their first car with no parent/co-signer*.  Exercise your financial freedom and buy your first car all on your own – well, with a little help from Sperry FCU of course.

  • Low rate
  • Terms up to 72 months
  • Loan Amounts up to $20,000
  • *Employment of 12 months required


Rev Up the Savings with Enterprise

With no-haggle pricing and an expedited process that offers a fair value for your trade-in, Enterprise makes it easy.

From now through September 30, we're offering 0.50%* off the current rate! Visit and contact Sperry to get pre-approved today!

*1: APR=Annual Percentage Rate. 0.25% off current rate. This is a buy down rate. The amount of the buy down will not affect the price of the vehicle. This rate offer is valid for all
terms up to 60 months. Current rate will vary based on credit worthiness & terms. Financing for qualified Sperry Federal Credit Union members. Offer valid only on Enterprise Car
Sales vehicles purchased 06/01/2019–09/30/2019. No cash advances. Offer cannot be combined. Not valid on previous purchases. 2: Kelley Blue Book Trade-In Values used by
Enterprise are obtained from © 2019 Kelley Blue Book Co.’s website Kelley Blue Book Trade-In Value is based on accurate condition rating & mileage of vehicle.
Accurately appraising the condition of the vehicle is an important aspect of determining its Kelley Blue Book Trade-In Value. Kelley Blue Book valuation adjustments for vehicle mileage
disproportionate to the age of the vehicle may be capped by Enterprise Car Sales at 20% of the vehicle’s base value. If a Kelley Blue Book Trade-In value is not available for
customer’s vehicle Enterprise will provide a fair & competitive value for customer's vehicle. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer
must provide required proof of ownership/registration and all other necessary paperwork to transfer title. Restrictions apply. See a Sales Consultant for details. Offer void where
prohibited. Used vehicles were previously part of the Enterprise rental fleet &/or an affiliated company's lease fleet or purchased by Enterprise from sources including auto auctions,
customer trade-ins or from other sources, with a possible previous use including rental, lease, transportation network company or other use. Photo for illustration only. The “e” logo &
Enterprise are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2019 Enterprise Car Sales.


Sperry Summer Special Terms: *APR=Annual Percentage Rate. Rates and terms can change at anytime. Sperry Associates FCU membership is required. Certain restrictions do apply. Advertised rate reflects special rate reduction offers from Enterprise Car Sales. Typical Sperry Preferred rate is 1.50% APY. Loan amounts up to $150,000. Terms up to 87 months (84 payments). Interest will accrue during the “no payment” term; Offer expires Labor Day 2019 (September 2, 2019). Offers of credit and rate are based on credit score and other criteria. Model years 2008 to 2020 are eligible for refinance. Lease buyouts are also available. New vehicle rates are available for 2019 or later models with up to 7,500 miles. Applicants who are not offered the lowest rate may be offered credit at a higher rate. For non-Auto Pay loans, add 0.25% APR. Auto Pay requires automatic monthly payments from an active Sperry Checking Account. All deposits are insured by the NCUA up to $250,000. 

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