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

3.250 %

Rate Type

Fixed

Max Term**

72 mos.

New/Used Harley Davidson MC 72 mos.

APR*
as low as

3.250 %

Rate Type

Fixed

Max Term**

72 mos.

New Motorcycles 72 mos.

APR*
as low as

4.750 %

Rate Type

Fixed

Max Term**

72 mos.

Used Motorcycles 72 mos.

APR*
as low as

4.750 %

Rate Type

Fixed

Max Term**

72 mos.

New Recreational Vehicles 180 mos.

APR*
as low as

4.750 %

Rate Type

Fixed

Max Term**

180 mos.

Used Recreational Vehicles 180 mos.

APR*
as low as

4.750 %

Rate Type

Fixed

Max Term**

180 mos.

New Boat/Motor/Trailer 180 mos.

APR*
as low as

4.750 %

Rate Type

Fixed

Max Term**

180 mos.

Used Boat/Motor/Trailer 180 mos.

APR*
as low as

4.750 %

Rate Type

Fixed

Max Term**

180 mos.

Additional Information

  • New/Used Vehicles
    • Get pre-approved. Apply in person, by phone or online.
    • No application fee.
    • No prepayment penalty.
    • 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.
  • 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.
    • 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.
  • 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.
    • Present calender year model and previous three calender year models.
    • New A.T.V. 72 months maximum.
    • Payment Example: 60 payments of $18.80 per $1,000 borrowed based upon a 4.75% 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.
    • Four to Ten calendar year models as of January 1st.
    • Used A.T.V. 72 month maximum.
    • Payment Example: 60 payments of $18.80 per $1,000 borrowed based upon a 4.75% 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.
    • Present calendar year model and previous three calendar year models.
    • Maximum term available only on present and one previous year model.
    • Maximum of $400,000.00.
    • Payment Example: 180 payments of $7.80 per $1,000 borrowed based upon a 4.75% 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.
    • Maximum of $400,000.00.
    • Up to Ten calendar year models as of January 1st.
    • Payment Example: 180 payments of $7.80 per $1,000 borrowed based upon a 4.75% 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.
    • Present calendar year model and previous three calendar year models.
    • Personal watercraft 72 months maximum.
    • Payment Example: 144 payments of $9.15 per $1,000 borrowed based upon a 4.75% 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.
    • Ten calendar year models as of January 1.
    • Personal watercraft 72 months maximum.
    • Payment Example: 144 payments of $9.15 per $1,000 borrowed based upon a 4.75% APR.
    • Not available for Boats being used as a primary residence.

Special Savings on Eco Vehicle Loans

Gas guzzling vehicles impact the planet and your pocket, which is why many drivers today are choosing electric or hybrid vehicles as their next ride. Save on more than just the price of gas with a Suncoast Eco Vehicle Loan. Rates start as low as 3.00% APR on all electric, hybrid, and plug-in hybrid vehicles.

†APR = Annual Percentage Rate effective 7/1/2022; subject to change, term, and credit qualifications. Special auto loan rate as low as 3.00% for electric vehicles, hybrids, and plug in hybrids is valid on present calendar year models and previous three calendar year models, for terms up to 72 months. Annual percentage rates may vary. Annual percentage rates may change during loan terms on variable rate products. Membership and/or participation fees may apply. Inquire about specific fees for a product through your credit union. Existing Suncoast loans are not eligible for refinance.