Vehicle 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 an APR as low as 2.25% and enjoy excellent customer service every step of the way.

More Than Just a Loan

Suncoast Credit Union ReviewsThere are a lot of factors to consider when you’re buying a car, motorcycle, boat or RV. We’ve made that process a lot easier by outlining everything you need to know up front.

Select a Service:

  • Woman in hat and sunglasses enjoys a sunny day from the sunroof of her car

    Protection Guaranteed

    If your vehicle is ever stolen, damaged beyond repair or otherwise declared an insured total loss, your auto insurance may cover the replacement value, but you’ll still be responsible for the difference. That’s why we offer Guaranteed Asset protection (GAP), protection to cover the difference between your insurance settlement and loan balance. Without GAP, you could face paying thousands of dollars on a lost or totaled vehicle — out of pocket.

    GAP is offered at $300* and can either be added onto your approved loan or paid in full at anytime during the life of the loan. Available for cars, light trucks, motorcycles, jet skis, snowmobiles and ATVs.

    For just a few dollars a month, you can protect yourself against this kind of unexpected expense. The benefits may include:

    • Protection for the term of your loan up to 84 months
    • Coverage for vehicles valued up to $100,000 at time of purchase
    • Payment of benefits up to $50,000
    • Coverage deductibles up to $1,000
    • GAP Plus also offers $1,000 toward your new loan if you use Suncoast to finance your new vehicle

    Benefits for new or used vehicles, including cars, light trucks, motorcycles and some other motorized vehicles.

    Call the Members Care Center at 800-999-5887 for more information.

    *Subject to change. Insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the credit union.

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

2.25 %

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.
  • Maximum terms available only on present and one previous year model.
  • Payment Example: 60 payments of $17.53 per $1,000 borrowed based upon a 2.00% APR.
Show Product Detail
New/Used Harley Davidson MC

APR*
as low as

2.25 %

Type

Fixed

Max Term**

72 mos.

  • We know Harley Davidson's 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.
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 2.00% APR1 loans that will spare the planet and your wallet.  “Green Cars” are vehicles with a combined EPA rating of 28 MPG or greater. 

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

1Annual Percentage Rate effective 8/23/2017; 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. 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.