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. 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.

    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.

    Not a Suncoast member? Join Now!


    car buying resources 

    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
     

    TrueCar

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

    Drive, Save, and Give

    Suncoast has teamed up with TrueCar for an opportunity you won’t want to miss! For a limited time, save money with auto loan rates as low as 5.5% APR*. Plus, TrueCar will donate $50 to the Suncoast Credit Union Foundation with each new car purchase in October and November!

    Benefits include:

    • Save an average of $1,590* off MSRP
    • 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
     

    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 1/1/21 and 12/31/21, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through the Suncoast Credit Union Auto Buying Program and who were identified as buying a new vehicle from that Certified Dealer was $1,590. 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 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 many vehicles are sold below MSRP. Each dealer sets its own pricing.

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:

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

5.500 %

Rate Type

Fixed

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.
    • 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 $19.15 per $1,000 borrowed based upon a 5.50 APR.

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 5.25% APR on all electric, hybrid, and plug-in hybrid vehicles.

†APR = Annual Percentage Rate effective 11/4/2022; subject to change, term, and credit qualifications. Special auto loan rate as low as 5.25% 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.