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 low interest personal loan options to best meet your financial needs.

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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 96 mos.

APR*
as low as

11.000 %

Rate Type

Fixed

Max Term**

96 mos.

Technology 36 mos.

APR*
as low as

9.750 %

Rate Type

Fixed

Max Term**

36 mos.

Personal Line of Credit 0 mos.

APR*
as low as

11.500 %

Rate Type

Fixed

Max Term**

0 mos.

Additional Information

  • Signature
    • Competitive rates with no collateral requirement.
    • No application fee. No prepayment penalty.
    • No collateral required for these loans.
    • Maximum loan amount $50,000.
    • Payment Example: 60 payments of $21.60 per $1,000 borrowed based upon a 11% APR.
  • Technology
    • Whether you are looking to upgrade your current devices or need to expand your resources with new devices, see Suncoast first!
    • Get pre-approved. Apply in person, by phone or online.
    • No application fee. No prepayment penalty.
    • Financing available for computer equipment and smart devices.
    • Payment Example: 36 payments of $32.05 per $1,000 borrowed based upon a 9.75% 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 $50,000.
    • Payment amount is 3% of the balance owed on the account.

Not a Suncoast member? Join Now!

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

8.500 %

Rate Type

Variable

Max Term**

180 mos.

Home Equity 5 Years 60 mos.

APR*
as low as

9.500 %

Rate Type

Fixed

Max Term**

60 mos.

Home Equity 10 Years 120 mos.

APR*
as low as

10.000 %

Rate Type

Fixed

Max Term**

120 mos.

Home Equity 15 Years 180 mos.

APR*
as low as

10.500 %

Rate Type

Fixed

Max Term**

180 mos.

Home Equity 20 Years 240 mos.

APR*
as low as

8.500 %

Rate Type

Variable

Max Term**

240 mos.

Home Improvement 5 Year Signature Loan 60 mos.

APR*
as low as

11.500 %

Rate Type

Fixed

Max Term**

60 mos.

Home Improvement 10 Year Signature Loan 120 mos.

APR*
as low as

12.500 %

Rate Type

Fixed

Max Term**

120 mos.

Home Improvement Secured 5 Year 60 mos.

APR*
as low as

11.000 %

Rate Type

Fixed

Max Term**

60 mos.

Home Improvement Secured 10 Year 120 mos.

APR*
as low as

12.000 %

Rate Type

Fixed

Max Term**

120 mos.

Home Improvement Secured 20 Year 240 mos.

APR*
as low as

10.000 %

Rate Type

Variable

Max Term**

240 mos.

New Mobile Home Fixed 120 mos.

APR*
as low as

8.000 %

Rate Type

Fixed

Max Term**

120 mos.

Used Mobile Home Fixed 120 mos.

APR*
as low as

8.500 %

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 18%. The annual percentage rate will not go below the greater of 4.0%; which is considered the floor for the Equity Line of Credit (80% or less HCLTV) or 5.50% for the High LTV (greater than 80%) Equity Line of Credit. The index is the Wall Street Journal Prime Rate.
    • LTV's from 80.01% - 100% may qualify for our High LTV 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 $300 to $1900. Costs for appraisals and title insurance range from $350 to $4,000 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 two advances during the first 36 months of the loan term and may not exceed the original mortgage amount. Minimum advance is $2500.
    • LTV's from 80.01% - 100% may qualify for our High LTV (Loan-To-Value) 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 $300 to $1,900. Costs for appraisals and title insurance range from $350 to $4,000 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 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 two advances during the first 36 months of the loan term and may not exceed the original mortgage amount. Minimum advance is $2500.
    • Loans available on primary residences in Florida only with homestead.
    • Typical closing costs range from $300 to $1900. Costs for appraisals and title insurance range from $350 to $4,000 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 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 two advances during the first 36 months of the loan term and may not exceed the original mortgage amount. Minimum advance is $2500.
    • LTV's from 80.01% - 100% may qualify for our High LTV (Loan-To-Value) 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 $300 to $1900. Costs for appraisals and title insurance range from $350 to $4,000 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 18%. The annual percentage rate will not go below the greater of 4.0%; which is considered the floor for the standard 20 year Home Equity Variable Rate Loan or 5.50% for the High LTV (greater than 80% LTV) 20 year Home Equity Variable Rate Loan. The index is the Wall Street Journal Prime Rate.
    • LTV's from 80.01% - 100% may qualify for our High LTV 20 year Home Equity Variable Rate Loan product. Rate will be higher than the standard Home Equity Variable Rate Loan product.
    • Loans available on primary residences in Florida only with homestead
    • Typical closing costs range from $300 to $1900. Costs for appraisals and title insurance range from $350 to $4,000 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.
    • Maximum LTV is 133%
    • Typical closing costs range from $300 to $1900.
    • Costs for appraisals and title insurance range from $350 to $4,000 depending on loan to value and loan amount.
    • Lower standard Home Equity and High LTV Home Equity Loan 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 $1000.00 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.
    • Loans available on primary residences in Florida only with homestead.
    • Typical closing costs range from $300 to $1900.
    • Costs for appraisals and title insurance range from $350 to $4,000 depending on loan to value and loan amount.
    • Maximum LTV is 133%.
    • Lower standard Home Equity and High LTV (80.01-100%) Home Equity Loan rates available for LTV's of 100% or less.
  • Home Improvement Secured 20 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.
    • Loans available on primary residences in Florida only with homestead.
    • Annual Percentage Rate is variable and will change 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.
    • Maximum LTV is 133%
    • Typical closing costs range from $300 to $1900. Costs for appraisals and title insurance range from $350 to $4,000 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 price, excluding sales tax & other charges or 75% of NADA retail value, whichever is less.