Personal Loans

Lower rates are just the beginning.

From debt consolidation and unexpected expenses to college education, vacations and everything in between — Suncoast has the personal loans to make cash flow a little easier.

Easy to Borrow

Suncoast Credit Union ReviewsSuncoast has made it easy to turn your dreams into reality — no matter what your specific loan need may be.

Select a Service:

  • Personal-Loans-Overview

    Here for You

    There are a lot of reasons for a personal loan — from debt consolidation, vacations, and home improvement projects, to car expenses or anything in between. And there are a lot of lenders out there willing to give you one. Because Suncoast is a not for profit credit union, we feel confident we can offer you the best loan package you’ll find, no matter what your need.

    We pride ourselves on saving members money and our personal service. No matter what you need, our member financial associates are available to discuss individual loan options and repayment plans, and to answer all of your questions.

    or fill out our express application form and bring it in your local branch.

    Not a member? Check eligibility.

We Want to Save You Money

At Suncoast, we understand that making big purchases can be intimidating, that’s why we offer a variety of loan options to best meet your financial needs.

Choose a Product:

Product

APR*
as low as

Type

Max Term**

Periodic Rate

Show Product Detail
Signature

APR*
as low as

10.50 %

Type

Fixed

Max Term**

60 mos.

Periodic Rate

N/A

  • Competitive rates with no collateral requirement.
  • No application fee. No prepayment penalty.
  • Requires automatic payment method; coupon payments will result in a higher rate.
  • No collateral required for these loans.
  • Maximum loan amount $30,000.
  • Payment Example: 60 payments of $21.50 per $1,000 borrowed based upon a 10.50% APR.
Show Product Detail
Computer

APR*
as low as

9.25 %

Type

Fixed

Max Term**

36 mos.

Periodic Rate

0.02 %

  • Whether you need a new computer for home, school, work or fun, see Suncoast first!
  • Get pre-approved. Apply in person, by phone or online.
  • No application fee. No prepayment penalty.
  • Requires automatic payment method; coupon payments will result in a higher rate.
  • Financing available for computers, monitors and printers.
  • Payment Example: 36 payments of $31.93 per $1,000 borrowed based upon a 9.25% APR.
Show Product Detail
Personal Line of Credit

APR*
as low as

9.50 %

Type

Fixed

Max Term**

0 mos.

Periodic Rate

N/A

  • With a Suncoast personal line of credit, you can rest easy knowing you have money available, when you need it.
  • Unsecured line of credit with a pre-set limit.
  • Get advances up to your available limit without additional approval.
  • Access your account through SunNet Online Banking, SunTel telephone banking, Members Contact Center, your local branch or by special checks.
  • Use as overdraft protection for your checking account.
  • No application fee. No prepayment penalty.
  • Maximum loan amount $30,000.
  • Payment amount is 3% of the balance owed on the account.

Choose a Product:

Product

APR*
as low as

Type

Max Term**

Periodic Rate

Show Product Detail
Equity Line of Credit

APR*
as low as

4.00 %

Type

Variable

Max Term**

180 mos.

Periodic Rate

0.01 %

  • Competitive interest rates and flexible terms.

  • Suncoast pays up to $500 toward closing costs.

  • Up to 100% loan-to-value available for qualified borrowers.

  • No Annual or Transaction Fees. Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.

  • Annual Percentage Rate may vary over time.
  • Adjustable Rate Details: Adjustable rates are subject to an increase in rate and payment after the loan is closed. The annual percentage rate can change quarterly on the first day of January, April, July and October. The rate cannot increase or decrease more than .50% percentage point at each adjustment. The maximum annual percentage rate shall not exceed the lesser of 6% over the initial rate or 18%. The annual percentage rate will not go below the greater of 4.0%; which is considered the floor, or 6% below the initial rate. The index is the Wall Street Journal Prime Rate.
  • Maximum LTV is 100%.
  • LTV's from 80.01% - 100% may qualify for our MI Equity Line of Credit product. Rate will be higher than the standard Equity Line of Credit.
  • Rate will be higher than the standard Home Equity Rate.
  • Loans available on primary residences in Florida only.
  • Typical closing costs range from $230 to $994. Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
Show Product Detail
Home Equity 5 Years

APR*
as low as

4.50 %

Type

Fixed

Max Term**

60 mos.

Periodic Rate

N/A

  • Competitive interest rates and flexible terms.
  • Suncoast pays up to $500.00 towards closing costs.
  • Up to 100% loan-to-value available for qualified borrowers.
  • No Annual or Transaction Fees.
  • Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
  • Fixed Rate Details: Principal and interest payments remain the same throughout the term of your loan. Additional advances limited to the first 36 months of the loan term and may not exceed the original mortgage amount.
  • Maximum LTV is 100%.
  • LTV's from 80.01% - 100% may qualify for our MI Home Equity product. Rate will be higher than standard Home Equity product.
  • Loans available on primary residences in Florida only.
  • Typical closing costs range from $230 to $994. Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
Show Product Detail
Home Equity 15 Years

APR*
as low as

5.50 %

Type

Fixed

Max Term**

180 mos.

Periodic Rate

N/A

  • Competitive interest rates and flexible terms.
  • Suncoast pays up to $500 toward closing costs.
  • Up to 100% loan-to-value available for qualified borrowers.
  • No Annual or Transaction Fees. Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
  • Fixed Rate Details: Principal and interest payments remain the same throughout the term of your loan. Additional advances limited to the first 36 months of the loan term and may not exceed the original mortgage amount.
  • Maximum LTV is 100%.
  • LTV's from 80.01% - 100% may qualify for our MI Home Equity product. Rate will be higher than standard Home Equity product.
  • Loans available on primary residences in Florida only.
  • Typical closing costs range from $230 to $994. Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
Show Product Detail
Home Equity 20 Years

APR*
as low as

4.00 %

Type

Variable

Max Term**

240 mos.

Periodic Rate

0.01 %

  • Competitive interest rates and flexible terms.
  • Suncoast pays up to $500.00 towards closing costs.
  • Up to 100% loan-to-value available for qualified borrowers.
  • No Annual or Transaction Fees.
  • Interest paid on this product may be tax deductible, consult a tax advisor regarding the deductibility of interest.
  • Adjustable Rate Details: Adjustable rates are subject to an increase in rate and payment after the loan is closed. The annual percentage rate can change quarterly on the first day of January, April, July and October. The rate cannot increase or decrease more than .50% percentage point at each adjustment. The maximum annual percentage rate shall not exceed the lesser of 6% over the initial rate or 18%. The annual percentage rate will not go below the greater of 4.0%; which is considered the floor, or 6% below the initial rate. The index is the Wall Street Journal Prime Rate.
  • Additional advances limited to the first 36 months of the loan term and may not exceed the original mortgage amount.
  • Maximum LTV is 100%.
  • LTV's from 80.01% - 100% may qualify for our MI Home Equity product. Rate will be higher than standard Home Equity Product.
  • Rate will be higher on the MI Home Equity product than the standard Home Equity Rate.
  • Loans available on primary residences in Florida only.
  • Typical closing costs range from $230 to $994. Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
Show Product Detail
Home Improvement 5 Year Signature Loan

APR*
as low as

7.50 %

Type

Fixed

Max Term**

60 mos.

Periodic Rate

N/A

  • No equity in property required.
  • Documentary Tax in the amount of .35 cents per $100.00 of the limit amount as collected and paid to the State of Florida.
  • Maximum loan amount $10,000.
Show Product Detail
Home Improvement 10 Year Signature Loan

APR*
as low as

8.00 %

Type

Fixed

Max Term**

120 mos.

Periodic Rate

N/A

  • No equity in property required.
  • Documentary Tax in the amount of .35 cents per $100.00 of the limit amount as collected and paid to the State of Florida.
  • Maximum loan amount $10,000.
Show Product Detail
Home Improvement Secured 5 Year

APR*
as low as

6.00 %

Type

Fixed

Max Term**

60 mos.

Periodic Rate

N/A

  • Credit Union pays up to $500.00 toward closing costs.
  • Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
  • No Annual or Transaction Fees.
  • Documentary Tax in the amount of .35 cents per $100.00 of the limit amount as collected and paid to the State of Florida.
  • Typical closing costs range from $230 to $994.
  • Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
  • Lower standard Home Equity and MI Home Equity rates available for LTV's of 100% or less.
Show Product Detail
Home Improvement Secured 10 Year

APR*
as low as

7.00 %

Type

Fixed

Max Term**

120 mos.

Periodic Rate

N/A

  • Credit Union pays up to $500.00 toward closing costs.
  • Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
  • No Annual or Transaction Fees.
  • Documentary Tax in the amount of .35 cents per $100.00 of the limit amount as collected and paid to the State of Florida.
  • Typical closing costs range from $230 to $994.
  • Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
  • Maximum LTV is 133%.
  • Lower standard Home Equity and MI Home Equity rates available for LTV's of 100% or less.
Show Product Detail
Home Improvement Secured 20 Year

APR*
as low as

5.50 %

Type

Variable

Max Term**

240 mos.

Periodic Rate

0.01 %

  • Credit Union pays up to $500.00 toward closing costs.
  • Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
  • Annual Percentage Rate may vary over time.
  • Maximum interest rate is 6% above initial rate. Subject to 5.50% floor. The annual percentage rate can change quarterly on the first day of January, April, July and October. The rate cannot increase or decrease more than .5% percentage point at each adjustment.
  • Documentary Tax in the amount of .35 cents per $100.00 of the limit amount as collected and paid to the State of Florida.
  • Typical closing costs range from $230 to $994. Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
Show Product Detail
New Mobile Home Fixed

APR*
as low as

4.63 %

Type

Fixed

Max Term**

120 mos.

Periodic Rate

N/A

  • Loans must be for primary residence only.
  • The maximum loan amount is $50,000; 75% of purchase purchase price, excluding sales tax and other charges or 75% of NADA retail value (whichever is less).
Show Product Detail
Used Mobile Home Fixed

APR*
as low as

5.13 %

Type

Fixed

Max Term**

120 mos.

Periodic Rate

N/A

  • Loans must be for primary residence only.
  • The maximum loan amount is $30,000; 75% of purchase purchase price, excluding sales tax & other charges or 75% of NADA retail value, whichever is less, when purchase price exceeds $5,000.