Auto Loans and Financing

There are many factors to consider when you’re buying a car, motorcycle, boat or RV. We help make that process easy with competitive rates, flexible terms, affordable insurance, refinancing options and our online loan center.

Select a Service:

  • Explore Auto Loan Rates

    Making large purchases can be intimidating. That’s why at Suncoast, we keep our loan process simple. We work hard to offer big savings with a process that’s hassle-free. Here’s a rundown of all our vehicle loan options.

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**

New/Used Vehicles 72 mos.

APR*
as low as

2.750 %

Rate Type

Fixed

Max Term**

72 mos.

New/Used Harley Davidson MC 72 mos.

APR*
as low as

2.750 %

Rate Type

Fixed

Max Term**

72 mos.

New Motorcycles 60 mos.

APR*
as low as

5.750 %

Rate Type

Fixed

Max Term**

60 mos.

Used Motorcycles 60 mos.

APR*
as low as

5.750 %

Rate Type

Fixed

Max Term**

60 mos.

New Recreational Vehicles 180 mos.

APR*
as low as

5.750 %

Rate Type

Fixed

Max Term**

180 mos.

Used Recreational Vehicles 180 mos.

APR*
as low as

5.750 %

Rate Type

Fixed

Max Term**

180 mos.

New Boat/Motor/Trailer 144 mos.

APR*
as low as

5.750 %

Rate Type

Fixed

Max Term**

144 mos.

Used Boat/Motor/Trailer 144 mos.

APR*
as low as

5.750 %

Rate Type

Fixed

Max Term**

144 mos.

Additional Information

  • New/Used Vehicles
    • 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.
    • Other rates and terms up to 84 months are available.
    • Present calendar year model and previous ten calendar year models.
    • Rates vary based on term.
    • Payment Example: 60 payments of $17.88 per $1,000 borrowed based upon a 2.75% APR.
  • New/Used Harley Davidson MC
    • We know Harley Davidsons are special - that's why we offer special financing!
    • 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.
    • Other rates and terms up to 72 months are available.
    • Present calendar year model and previous ten calendar year models.
    • Rates vary based on term.
    • Maximum loan amount $35,000.
    • Payment Example: 60 payments of $17.88 per $1,000 borrowed based upon a 2.75% APR.
  • New Motorcycles
    • Finance motorcycles and All Terrain Vehicles (ATVs) with Suncoast's motorcycle loans.
    • 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.
    • Present calender year model and previous three calender year models.
    • New A.T.V. 60 months maximum.
    • Payment Example: 60 payments of $19.26 per $1,000 borrowed based upon a 5.75% APR.
  • Used Motorcycles
    • Finance motorcycles and All Terrain Vehicles (ATVs) with Suncoast's motorcycle loans.
    • 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.
    • Four to Seven calendar year models as of January 1st.
    • Used A.T.V. 60 month maximum.
    • Payment Example: 60 payments of $19.66 per $1,000 borrowed based upon a 5.75% APR.
  • New Recreational Vehicles
    • When you're ready to experience RVing, Suncoast has the loan for you.
    • 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.
    • Present calendar year model and previous three calendar year models.
    • Maximum term available only on present and one previous year model.
    • Maximum of $100,000.00.
    • Payment Example: 180 payments of $8.33 per $1,000 borrowed based upon a 5.75% APR.
    • Not available for RVs being used as a primary residence.
  • Used Recreational Vehicles
    • When you're ready to experience RVing, Suncoast has the loan for you.
    • 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.
    • Maximum of $100,000.00.
    • Four to seven calendar year models as of January 1st.
    • Payment Example: 180 payments of $8.33 per $1,000 borrowed based upon a 5.75% APR.
    • Not available for RVs being used as a primary residence.
  • New Boat/Motor/Trailer
    • Suncoast boat loans for financing boats, motors, trailers and personal watercraft.
    • 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.
    • Present calendar year model and previous three calendar year models.
    • Personal watercraft 60 months maximum.
    • Payment Example: 144 payments of $9.66 per $1,000 borrowed based upon a 5.75% APR.
    • Not available for Boats being used as a primary residence.
  • Used Boat/Motor/Trailer
    • Suncoast boat loans for financing boats, motors, trailers and personal watercraft.
    • 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.
    • Four to seven calendar year models as of January 1.
    • Personal watercraft 60 months maximum.
    • Payment Example: 144 payments of $9.66 per $1,000 borrowed based upon a 5.75% APR.
    • Not available for Boats being used as a primary residence.
drive-green

Drive Green

drive-green

When you decide to go green, you qualify to receive an auto loan rate as low as 2.50% APR1 loans that will spare the planet and your wallet.  “Green Cars” are vehicles with a combined EPA rating of 28 MPG or greater or electric vehicles.

Visit fueleconomy.gov under the U.S. Department of Energy for listings of qualified vehicles.

1Annual Percentage Rate effective 09/24/2020; subject to change, subject to term and credit approval; requires automatic payment method from a Suncoast account, eStatements and/or Credit Card eStatements and financing of a qualified new vehicle (current model year only) with a combined EPA rating of 28 MPG or greater or a qualified new (current model year only) electric vehicle. This rate is only available on loans secured directly from Suncoast Credit Union; loans secured through a dealer will not receive this low rate. Existing Suncoast loans not eligible for refinance at this rate. Valid on terms up to 84 months. Only qualified refinances from other financial institutions are eligible to receive this rate discount.