More Than Just a Loan

There 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:

  • Refinance Your Auto 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.

    • 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 3.25% 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 using SunNet Online Banking or the SunMobile app. Follow the steps below to apply now!

    Steps for Applying for Auto Refinance Using SunNet Online Banking

    • Log in to SunNet
    • Click on “Loan Center”
    • Verify your contact information and click “Continue to Loan Center”
    • In the “Vehicle” section, click on “Apply for a 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 “Loan Center”
    • Click on “Apply for a Loan”
    • Click on “Vehicle Loans”
    • For “Select a purpose” choose “Refinance”
    • Proceed with the application
     

     

     


    *Annual Percentage Rate effective February 1, 2018. Suncoast Credit union membership and credit qualification are required.

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    No Haggle Pre-owned Car Buying Service

    Visit CU Auto Branch for a great selection of pre-owned vehicles, below NADA pricing with up to 125% loan-to-value financing (with credit qualification). Check out their current promotion!

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    Protect yourself with GAP Insurance

    Check out all the ways that GAP insurance can help cover the replacement value of your vehicle that regular insurance won't.

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    Get a Dealer Referral

    Looking for a new car? See our direct dealer referrals in your area or the latest manufacturer rebates.

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

3.25 %

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.
  • Payment Example: 60 payments of $18.11 per $1,000 borrowed based upon a 3.25% APR.
Show Product Detail
New/Used Harley Davidson MC

APR*
as low as

3.25 %

Type

Fixed

Max Term**

72 mos.

  • 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.
  • 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.
  • Payment Example: 60 payments of $18.11 per $1,000 borrowed based upon a 3.25% APR.
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 3.0% 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 fueleconomy.gov under the U.S. Department of Energy for listings of qualified vehicles.

1Annual Percentage Rate effective 01/16/2018; 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.