Consumer LoansImagine that new car, or feel the excitement of hitting a hill on your new snowmachine. We have loans for any occasion and terms that will make it easy on your wallet. Apply for a loan today!Looking for Auto Loans? Contact Consumer Loans: 907-459-5970Consumer Loans Fax: 907-459-5986Competitive ratesOut here in Alaska, if you're just staying on the roads, then you're not getting your money's worth. We offer affordable financing on all sorts of recreational vehicles including:Motorhomes, campers, and travel trailersSnowmachines, motorcycles, and ATVsBoats, outboard motors, and personal watercraftTrucks, carsSkip A PaymentGet some financial breathing room and additional flexibility when you need it with this special offer. Just let us know which loan payment you would like to skip. Once you are approved, simply skip one month's payment and keep the cash instead!NOTE: Skip-A-Payment does not apply to credit cards or some home loans. Loans must be up to date. Normal interest charges will continue to accrue, and your skipped payment will be added to the end of your loan term.

Close at a DealershipChoose your new toy or vehicle, apply online for preapproval with us, and then sign loan documents right at the dealership. motorcycle mags for sale phNever come into the credit union! used triumph motorcycles for sale san diegoNow that's one-stop shopping. bmw gs bikes for sale south africaWe work with the majority of local dealerships in Fairbanks. motorcycle dealers in rotherhamCheck with us for a list of our current dealers. fiberglass motorcycle fairings for sale

Call our consumer loan department at 459-5970 if you have any questions!ktm bikes for sale in mumbaiNADA GuidesBe prepared before you walk onto the car lot! road legal motorcycle trikes for sale ukSpirit of Alaska FCU determines the loan value of a vehicle by Nada Guide estimates.Looking for loan coupons?*Lowest rate available with discounts is a 2.75% Annual Percentage Rate.Insurance Protection PlansGuaranteed 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. /spiritofak, or call 866-201-0921.

You can also fax your policy to 866-895-2553.Proof of Insurance RequirementsMake sure that Spirit of Alaska FCU is listed as the leinholder on your insurance policy statement, with an address of:Spirit of Alaska FCUP.O. Box 791647San Antonio, TX 78279-1647Deductibles for comprehensive and collision should not exceed $500. We do not accept insurance cards as proof of insurance.Signature LoansSign on the dotted line and the loan is yours! With approved credit, you can receive financing to help you pay for whatever you need. For unsecured loans under $2000, members are encouraged to apply for our great Visa Credit Card.Share Secured Loan Looking for an inexpensive way to establish credit or rebuild your damaged credit? Do you have the funds for that long desired purchase but dread seeing your savings account dwindle? A Share Secured loan may be the solution for you. Spirit of Alaska can make your hard earned money work for you!OverviewShare secured loans are simply funds pledged from a savings account to "secure" a loan.

The credit union keeps the funds in the savings account on hold, then lends out that same amount to you. As the loan balance decreases with payments made, the "hold" adjusts with the loan balance, so that the credit union only holds what is owed on the loan. We also continue to pay you interest on the savings account while it is on hold.RateThe loan rate is 4% above the dividend rate on the share. The rate is variable, because savings account dividend rates often change. For example, if the savings account rate goes down, the rate on the share secured loan goes down too, but always remains only 4% above the savings account rate. Besides the rate, loan terms are fairly flexible.Certificate of Deposit (CD) Secured LoansOverviewA loan can also be secured against a CD. The concept is similar to a Share Secured loan, but the length of the loan is determined by the maturity date of the CD. RateThe loan rate is 4% above the CD rate and is not variable because the CD rate is fixed; therefore the loan rate is fixed.

Please call our Consumer Loans department at 907-459-5970 with any questions you have, come into any branch to apply, or Apply Online.How much will my loan payments be?How much car can I afford?What is my loan rate?How long will it take to pay off my loan?The Spirit of Alaska Federal Credit Union Smart Option Student Loan® by Sallie Mae®For borrowers attending degree-granting institutionsApply NowNow you can pay for college the smart way with three great repayment options and competitive rates!The Smart Option Student Loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here. The Smart Option Student Loan features and benefits:We offer a choice of competitive fixed and variable interest rates providing even more choice and flexibilityTo learn more or to apply, please get started here.Before buying any other trailer, see the quality trailers carried by White Spruce Trailer Sales, your Alaska Trailer Dealer.