Auto Loans
Whether you’re buying, financing, refinancing, insuring or protecting your vehicle, Suncoast can help make life’s major purchases a little easier. Save money with a low auto loan rate and enjoy excellent member service every step of the way.
Explore Auto Loan Options
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.
Details
- Get pre-approved. Apply in person, by phone or online.
- No application fee.
- No prepayment penalty.
- Other rates and terms available.
- New is defined as 2023 to current model year vehicles.
- Rates vary based on term.
Details
- Get pre-approved. Apply in person, by phone or online.
- No application fee.
- No prepayment penalty.
- Other rates and terms available.
- Used is defined as 2016-2022.
- Payment Example: 60 payments of $20.28 per $1,000 borrowed based upon a 8.00% APR.
Eco Vehicle Loans
- Help the planet and your pocket! Choose electric or hybrid as your next ride and you may qualify for a rate discount on your loan. Save on more than just the price of gas with a Suncoast Eco Vehicle Loan.
- Model Years 2021 and newer
Calculate Your Car Payment
Auto Loans and Financing Benefits
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. We are here to help you save money while safely buying a car your way. You can even buy a car without leaving your home with our loan pre-approval and contactless buying and delivery options.
Low Monthly Payments and Amazing Interest Rates
An approved auto refinance with Suncoast may lower your monthly payments — think of how great you’ll feel when you make those smaller payments each month. You can also get interest rates as low as 7.50% APR*! High interest rates cost you more money over time, so refinancing your auto loan now may lead to wonderful long-term savings.
Save Time and Money at the Dealership with TrueCar
Benefits include:
- See price ratings for every vehicle to help recognize a good, great, or excellent price
- Browse online inventory of new or pre-owned vehicles, view photos, and read reviews
- Easily filter your search to find the best fit and pricing
- Get a TrueCash offer on your trade in just seconds
No-Haggle Car Buying with Exceptional Customer Service
Enjoy No-Haggle Car Buying at 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. CU Auto Branch has been serving Suncoast members for over 20 years!
Benefits include:
- A great selection of pre-owned vehicles below NADA pricing
- Free vehicle delivery to any Suncoast Service Center
- All vehicles have a 7 day/1,000 mile money back guarantee
- Safely shop in-person or choose to complete your purchase online and opt for home delivery
Car Loan Rates
^Maximum term for APR shown displayed in months.
New Vehicles
- 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.
- New is defined as 2023 to current model year vehicles.
- Rates vary based on term.
- Payment Example: 60 payments of $19.93 per $1,000 borrowed based upon a 7.50% APR.
Used Vehicles
- 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.
- Used is defined as 2016-2022 model year vehicles.
- Payment Example: 60 payments of $20.28 per $1,000 borrowed based upon a 8.00% APR.
Vehicle Loan FAQ
You can make car payments online, through our SunMobile App, through ACH automatic payments, or payroll deduction. Here are the instructions for each method.
Pay Online
Track, view, and pay your loans from your Suncoast account with SunNet Online Banking.
Mobile Payments
Download our app, SunMobile, using your Apple iOS or Android device. Access and pay your loans from your Suncoast account when you’re on the go or away from the computer. Please see “Pay Online” option above, as you must sign in to your account through our website prior to accessing the mobile app. You can also conveniently make payments and view your loan statement through your smartphone's mobile wallet by enrolling in moBills.
ACH Automatic Payments
Set up automatic payments so you’ll know your payments are made on time every month. You choose the amount and the withdrawal date from your institution, and your payments will be made automatically for you.
Payroll Deduction
Making loan payments by payroll deduction is an easy way to pay your loan at the same time your payroll is deposited.
Track, view, and pay your loans from your Suncoast account with SunNet Online Banking or the SunMobile app.
If you need to make payments with funds from another financial institution, you can set up one-time payments online without logging in.
Don’t have online banking set up yet? Please call our Member Care Center to receive a temporary pin number, and then enter your account number (listed on your membership card), create a password and get started!
Members: Make Car PaymentSuncoast offers Payment Protection policies that can help you make your monthly loan payments if you become disabled due to injury or illness. Payment Protection offers coverage until you are no longer disabled or payoff your loan balance in full up to the policy maximum in the event of death. Payment Protection, provides: Contact Suncoast Member Services or call Member Care Center at 800-999-5887 for more information. Insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the credit union.
You can apply for auto refinancing in SunNet Online Banking, using the SunMobile app, or calling the Member Care Center at 800-999-5887 ext. 88100.
Apply for Auto Refinancing with SunNet Online Banking
- Log in to SunNet
- Click on “Open & Apply”
- Verify your contact information and click “Continue to Loan Center”
- Click on “Apply for an Auto Loan”
- In the new/used vehicle section, click on “Apply Now”
- Click on "Start a new application"
- Click on section for "Vehicle Loan"
- For the first question, choose “Refinance” as the general purpose of the loan
- Proceed with the application
Apply for Auto Refinancing with the SunMobile App
- Log in to SunMobile
- Click on “Open & Apply”
- Click on “Apply for an Auto Loan”
- In the new/used vehicle section, click on “Apply Now”
- For “Select a purpose” choose “Refinance”
- Proceed with the application
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 7.25% APR† on all electric, hybrid, and plug-in hybrid vehicles.
†APR = Annual Percentage Rate effective 9/11/2023; subject to change, term, and credit qualifications. Special auto loan rate as low as 7.25% 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.
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Special Savings on Eco Vehicle Loans
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