The Spero Financial is a auto loan from Spero Financial. The ongoing APR is New (current or previous model year with 30,000 miles or less): as low as 4.32% APR; Used (model year 2018 or newer): as low as 5.32% APR; Older Used (model year 2017 and older): as low as 8.16% APR (rates effective as of 10/01/2026).