Car Financing and Loan Options

Whether your dream car is sporty, family-friendly or adventure-ready, we can help you finance it. We offer low rates, flexible term options and an easy financing experience.

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. Whether you prefer an online or a local car-buying experience, we can help you save time and money - your way. You can also get pre-approved with Suncoast for a seamless car-buying experience.

    Want to shop online and explore thousands of options? Our partnership with Carvana can help you find a pre-owned vehicle from the comfort of your home. We also partner with TrueCar, a car-buying resource that can help you find a dealership with the new or used car you want. Or, if you prefer a face-to-face experience from a local, family-owned dealership, CU AutoBranch can help you find a pre-owned vehicle in your price range.

    car buying resources 


    Purchase a vehicle online in a matter of minutes from the comfort of home with Carvana, the leading ecommerce 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 Auto Branch

    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


    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 your mechanical needs on 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.

Explore Car Loan Rates

Our loan process is simple to make it easy for you to get the financing you need at an affordable rate. Check out our car loan rates below.

Choose a Product:

as low as

as low as

Annual Percentage Rate

Rate Type

Rate Type

Fixed or Variable

Max Term**

Max Term**

New/Used Vehicles 72 mos.

as low as

2.750 %

Rate Type


Max Term**

72 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.

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

1Annual Percentage Rate effective 04/09/2020; 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.