Personal Banking

Personal Loans

SpiritBank has a loan that’s right for you.

Time for that new car? Need a larger house for that growing family or simply want to add a new room over the garage?

Flexible terms and payment plans. Competitive interest rates.

Car Loans

It’s easy for you to finance your next car. With competitive rates and flexible payment options, we can tailor a loan to meet your needs.

  • Quick decisions
  • Flexible terms
  • Automatic payment deductions from a SpiritBank checking account available
  • Pre-approved loans

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Live your dream with our 3.996% APR* auto loan rate!

To take advantage of this special rate, you must have your loan payment “auto” deducted from a SpiritBank checking account. See below for details!

*3.996% Annual Percentage Rate (APR) accurate as of 5/30/19. Rates and terms are subject to change without notice. Maximum term is 72 months for new vehicles over $25,000 and 60 months for new and used vehicles under $25,000. Example: a 72-month fixed-rate loan for $30,000 based on an interest rate of 3.99% and fees of $130.00 with a total finance charge of $3,805.76 would have 72 monthly payments of $471.33 at an APR of 3.996%. A SpiritBank checking account with the loan payment deducted from the account is required for this rate. Other auto loan rates and terms are available. Please ask your lender for details.  Rate applies to new and used vehicles. Limit two vehicles per customer. Subject to credit approval. 

Home Equity Loans

Make the most of your home’s equity. Don’t forget to consult your tax advisor, the interest paid on a SpiritBank home equity loan may be tax deductible.


Thinking of buying a home? Interested in refinancing an existing mortgage?

See the professionals at SpiritBank Mortgage. We offer a wide variety of options at competitive rates.

Want to visit us in person? Stop by our offices in Tulsa.

Meet our Bankers

Other Loans

Get flexible terms and payment plans with competitive interest rates on more than just cars.

  • Motorcycles
  • Boats
  • Recreational vehicles
  • Unsecured loans

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Applicants must be 18 years or older in order to apply for a loan.