Refinance Your Car Loan with Suncoast and Save

If you have a car loan somewhere else and want to save money, we have great news for you! You may save money when you refinance your auto loan with Suncoast.

Select a Service:

  • Benefits of Refinancing Your Car Loan

    • Make lower monthly payments! An approved auto refinance may lower your monthly payments. Think of how great you’ll feel when you make those smaller payments each month!
    • 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!

    How to Apply for an Auto Refinance

    You can apply for an auto refinance in SunNet Online Banking using the button below! You can also apply using the SunMobile app or call the Member Care Center at 800-999-5887 ext. 88100.

    Steps for Applying for Auto Refinance Using 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

    Steps for Applying for Auto Refinance Using 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
     

    Members: Apply Now

    Not a Suncoast member? Join Now!

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

7.500 %

Rate Type

Fixed

Max Term**

72 mos.

New/Used Harley Davidson MC 72 mos.

APR*
as low as

7.500 %

Rate Type

Fixed

Max Term**

72 mos.

New Motorcycles 72 mos.

APR*
as low as

7.750 %

Rate Type

Fixed

Max Term**

72 mos.

Used Motorcycles 72 mos.

APR*
as low as

7.750 %

Rate Type

Fixed

Max Term**

72 mos.

New Recreational Vehicles 180 mos.

APR*
as low as

7.750 %

Rate Type

Fixed

Max Term**

180 mos.

Used Recreational Vehicles 180 mos.

APR*
as low as

7.750 %

Rate Type

Fixed

Max Term**

180 mos.

New Boat/Motor/Trailer 180 mos.

APR*
as low as

7.750 %

Rate Type

Fixed

Max Term**

180 mos.

Used Boat/Motor/Trailer 180 mos.

APR*
as low as

7.750 %

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 $19.93 per $1,000 borrowed based upon a 7.50% 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 $50,000.
    • Payment Example: 60 payments of $19.93 per $1,000 borrowed based upon a 7.50% 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 $20.17 per $1,000 borrowed based upon a 7.75% 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 $20.17 per $1,000 borrowed based upon a 7.75% 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 $9.13 per $1,000 borrowed based upon a 7.75% 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 $9.14 per $1,000 borrowed based upon a 7.75% 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 $10.70 per $1,000 borrowed based upon a 7.75% 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 $10.70 per $1,000 borrowed based upon a 7.75% 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 7.25% APR† on all electric, hybrid, and plug-in hybrid vehicles.

Members: Apply Now Not a Member? Join Now

†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.