More Than Just a Loan

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

Select a Service:

  • We Make It Easy to Purchase and Finance a Vehicle

    Suncoast understands that everyone has a different shopping style when it comes to buying a car. So whether you prefer an online car buying service or a local car buying experience, we can help you save time and money, your way.

    If you want to shop online with thousands of options, our partnership with Carvana can help you find a pre-owned vehicle from the comfort of your home. If you want to look online for options from many car dealerships, we partner with TrueCar, a car buying resource that can help you find a dealership with the new or used car you want. If you’d prefer a face-to-face car buying experience from a local, family-owned dealership, CU AutoBranch can help you find a pre-owned vehicle in your price range.

    Get pre-approved with Suncoast for a seamless car buying experience.


    carvana

    Carvana

    Purchase a vehicle online in a matter of minutes from the comfort of home with Carvana, the leading e-commerce platform for buying used cars.

    Benefits include:

    • Buy online with delivery or pickup available as soon as the next day
    • Get a 7-day money back guarantee and 100-day warranty
    • Browse certified pre-owned inventory with low mileage, no accident history and 150-point inspection

     

     


    CU AutoBranch

    Get a pre-owned vehicle at the best possible price from CU Auto Branch with a no-haggle car buying experience and exceptional customer service.

    Benefits include:

    • A great selection of pre-owned vehicles below NADA pricing
    • Free vehicle delivery available to any Suncoast Service Center
    • All vehicles have a 30 day/1,000 mile CU Auto Branch warranty, on top of the balance of any pre-existing warranty

     

     


    TrueCar

    Save time and money at the dealership when you use TrueCar to buy a new or used vehicle.

    Benefits include:

    • No-hassle pricing, guaranteed
    • Save an average of $3,383* off MSRP
    • Browse online inventory of new or pre-owned vehicles, view photos and read reviews

     

     

     


    CU Auto Center

    CU Auto Branch also has a service department, Credit Union Auto Center, located at 4002 Wedgemere Drive in Tampa, available for all of your mechanical needs for every make and model. Call 813-336-4160 for more information.


    *Between 7/1/17 and 9/30/17, the average savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as of 10/31/2017, was $3,383. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The Manufacturer's Suggested Retail Price ("MSRP") is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer's trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing. Neither TrueCar nor its affinity partners brokers, sells or leases motor vehicles.

See the Savings

Making large purchases is intimidating enough; we don’t want to make the loan process difficult, too. We work very hard to keep it simple — with big savings and as little hassle as possible. Here’s a run-down of all our vehicle loan options.

Choose a Product:

Product

APR*
as low as

Type
Max Term**
Show Product Detail
New/Used Vehicles

APR*
as low as

3.25 %

Type

Fixed

Max Term**

72 mos.

  • 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 $18.11 per $1,000 borrowed based upon a 3.25% APR.
Show Product Detail
New/Used Harley Davidson MC

APR*
as low as

3.25 %

Type

Fixed

Max Term**

72 mos.

  • 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 $18.11 per $1,000 borrowed based upon a 3.25% APR.
Show Product Detail
New Motorcycles

APR*
as low as

5.75 %

Type

Fixed

Max Term**

60 mos.

  • 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 $19.11 per $1,000 borrowed based upon a 5.50% APR.
Show Product Detail
Used Motorcycles

APR*
as low as

5.75 %

Type

Fixed

Max Term**

60 mos.

  • 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 $19.11 per $1,000 borrowed based upon a 5.50% APR.
Show Product Detail
New Recreational Vehicles

APR*
as low as

5.75 %

Type

Fixed

Max Term**

180 mos.

  • 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 $8.18 per $1,000 borrowed based upon a 5.50% APR.
  • Not available for RVs being used as a primary residence.
Show Product Detail
Used Recreational Vehicles

APR*
as low as

5.75 %

Type

Fixed

Max Term**

180 mos.

  • 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 $8.18 per $1,000 borrowed based upon a 5.50% APR.
  • Not available for RVs being used as a primary residence.
Show Product Detail
New Boat/Motor/Trailer

APR*
as low as

5.75 %

Type

Fixed

Max Term**

144 mos.

  • 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 Calender year model and previous three calender year models.
  • Personal Watercraft 60 months maximum.
  • Payment Example: 144 payments of $9.51 per $1,000 borrowed based upon a 5.50% APR.
  • Not available for Boats being used as a primary residence.
Show Product Detail
Used Boat/Motor/Trailer

APR*
as low as

5.75 %

Type

Fixed

Max Term**

144 mos.

  • 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 calender year models as of January 1st.
  • Personal Watercraft 60 months maximum.
  • Payment Example: 144 payments of $9.51 per $1,000 borrowed based upon a 5.50% 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 3.0% 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 01/16/2018; 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.