Suncoast Personal Loans

There are many reasons you may need a personal loan — from debt consolidation, vacations and home improvement projects to car expenses or anything in between. As a not-for-profit credit union, we feel confident we can offer you the best loan package you’ll find, no matter what your needs may be.

Select a Service:

  • Personal-Loans-Overview

    Here to Help You Save Money

    We pride ourselves on saving members money and for 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.

    Compare Personal Loan Rates

    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:

APR*
as low as

APR*
as low as

Annual Percentage Rate

Rate Type

Rate Type

Fixed or Variable

Max Term**

Max Term**

Signature 60 mos.

APR*
as low as

10.000 %

Rate Type

Fixed

Max Term**

60 mos.

Computer 36 mos.

APR*
as low as

8.750 %

Rate Type

Fixed

Max Term**

36 mos.

Personal Line of Credit 0 mos.

APR*
as low as

9.500 %

Rate Type

Fixed

Max Term**

0 mos.

Additional Information

  • Signature
    • 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 $21.34 per $1,000 borrowed based upon a 10.00% APR.
  • Computer
    • 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 $31.81 per $1,000 borrowed based upon a 8.75% APR.
  • Personal Line of Credit
    • 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:

APR*
as low as

APR*
as low as

Annual Percentage Rate

Rate Type

Rate Type

Fixed or Variable

Max Term**

Max Term**

Equity Line of Credit 180 mos.

APR*
as low as

4.000 %

Rate Type

Variable

Max Term**

180 mos.

Home Equity 5 Years 60 mos.

APR*
as low as

5.000 %

Rate Type

Fixed

Max Term**

60 mos.

Home Equity 10 Years 120 mos.

APR*
as low as

5.500 %

Rate Type

Fixed

Max Term**

120 mos.

Home Equity 15 Years 180 mos.

APR*
as low as

6.000 %

Rate Type

Fixed

Max Term**

180 mos.

Home Equity 20 Years 240 mos.

APR*
as low as

4.000 %

Rate Type

Variable

Max Term**

240 mos.

Home Improvement 5 Year Signature Loan 60 mos.

APR*
as low as

8.000 %

Rate Type

Fixed

Max Term**

60 mos.

Home Improvement 10 Year Signature Loan 120 mos.

APR*
as low as

8.500 %

Rate Type

Fixed

Max Term**

120 mos.

Home Improvement Secured 5 Year 60 mos.

APR*
as low as

6.500 %

Rate Type

Fixed

Max Term**

60 mos.

Home Improvement Secured 10 Year 120 mos.

APR*
as low as

7.500 %

Rate Type

Fixed

Max Term**

120 mos.

Home Improvement Secured 20 Year 240 mos.

APR*
as low as

5.500 %

Rate Type

Variable

Max Term**

240 mos.

New Mobile Home Fixed 120 mos.

APR*
as low as

4.375 %

Rate Type

Fixed

Max Term**

120 mos.

Used Mobile Home Fixed 120 mos.

APR*
as low as

5.63 %

Rate Type

Fixed

Max Term**

120 mos.

Additional Information

  • Equity Line of Credit
    • Competitive interest rates and flexible terms.

    • Suncoast pays up to $1,000 toward closing costs. If the loan is paid off or the line of credit closed within 25 months of the funding date, Suncoast will collect the closing costs paid on your behalf in the payoff.

    • 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.
    • Loans available on primary residences in Florida only with homestead
    • 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.
  • Home Equity 5 Years
    • Competitive interest rates and flexible terms.
    • Suncoast pays up to $1000.00 towards closing costs. If the loan is paid off within 25 months of the funding date, Suncoast will collect the closing costs paid on your behalf in the payoff.
    • 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 with homestead.
    • 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.
  • Home Equity 10 Years
    • Competitive interest rates and flexible terms.
    • Suncoast pays up to $1000.00 towards closing costs. If the loan is paid off within 25 months of the funding date, Suncoast will collect the closing costs paid on your behalf in the payoff.
    • Up to maximum 80% 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.
    • Loans available on primary residences in Florida only with homestead.
    • 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.
  • Home Equity 15 Years
    • Competitive interest rates and flexible terms.
    • Suncoast pays up to $1000.00 towards closing costs. If the loan is paid off within 25 months of the funding date, Suncoast will collect the closing costs paid on your behalf in the payoff.
    • 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 with homestead.
    • 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.
  • Home Equity 20 Years
    • Competitive interest rates and flexible terms.

    • Suncoast pays up to $1,000 toward closing costs. If the loan is paid off or the line of credit closed within 25 months of the funding date, Suncoast will collect the closing costs paid on your behalf in the payoff.

    • 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.
    • Loans available on primary residences in Florida only with homestead
    • 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.
  • Home Improvement 5 Year Signature Loan
    • 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.
  • Home Improvement 10 Year Signature Loan
    • 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.
  • Home Improvement Secured 5 Year
    • Credit Union pays up to $1,000.00 toward closing costs. If the loan is paid off or the line of credit closed within 25 months of the funding date, Suncoast will collect the closing costs paid on your behalf in the payoff.
    • 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.
    • Loans available on primary residences in Florida only with homestead.
  • Home Improvement Secured 10 Year
    • 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.
  • Home Improvement Secured 20 Year
    • 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.
  • New Mobile Home Fixed
    • 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).
  • Used Mobile Home Fixed
    • 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.