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Auto Loans

Whether you're looking to buy, finance, refinance, or insure your vehicle, Suncoast Credit Union auto loans make owning your car a little easier. Get matched with a low rate auto loan today and enjoy the first 90 days without making a payment.

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Explore Auto Loan Options

Making large purchases can be intimidating. That’s why at Suncoast, we keep our loan process simple. We work hard to offer big savings with a process that’s hassle-free.

Eco Vehicle Loans

Help the planet and your pocket! Choose electric or hybrid as your next ride and you may qualify for a rate discount on your loan. Save on more than just the price of gas with a Suncoast Eco Vehicle Loan.
Other rates and terms up to 84 months⁴ are available. Contact us for more details.
Make zero payments for 90 days.²
Model Years 2025 and newer at 4.50% APR¹
Model Years 2023-24 at 5.00% APR¹

Calculate Your Car Payment

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Auto Loans and Financing Benefits

Car Buying Options and Benefits

No-Haggle Car Buying with Exceptional Customer Service

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 JD Power pricing
Free vehicle delivery to any Suncoast Service Center
All vehicles have a 7 days/1,000 mile money back guarantee

View Inventory at CU Auto Branch

Car Loan Rates

^Maximum term for APR shown displayed in months.

Additional Information

New Vehicles

Get pre-approved. Apply in person, by phone or online.
No application fee.³
No prepayment penalty.
Other rates and terms up to 84 months are available.⁴
New is defined as 2025 to current model year vehicles.
Rates vary based on term.
Payment Example: 60 payments of $18.80 per $1,000 borrowed based upon a 4.75% APR.

Used Vehicles

Get pre-approved. Apply in person, by phone or online.
No application fee.³
No prepayment penalty.
Other rates and terms up to 84 months are available.⁴
Used is defined as 2018-2024 model year vehicles.
Payment Example: 60 payments of $19.03 per $1,000 borrowed based upon a 5.25% APR.

Vehicle Loan FAQ

What are my car payment options?

You can make car payments online, through our SunMobile App, through ACH automatic payments, or payroll deduction. Here are the instructions for each method.

Pay Online

Track, view, and pay your loans from your Suncoast account with SunNet Online Banking.

Mobile Payments

Download our app, SunMobile, using your Apple iOS or Android device. Access and pay your loans from your Suncoast account when you’re on the go or away from the computer. Please see “Pay Online” option above, as you must sign in to your account through our website prior to accessing the mobile app. You can also conveniently make payments and view your loan statement through your smartphone's mobile wallet by enrolling in moBills.

ACH Automatic Payments

Set up automatic payments so you’ll know your payments are made on time every month. You choose the amount and the withdrawal date from your institution, and your payments will be made automatically for you.

Payroll Deduction

Making loan payments by payroll deduction is an easy way to pay your loan at the same time your payroll is deposited.

How can I make a car payment online?

Track, view, and pay your loans from your Suncoast account with SunNet Online Banking or the SunMobile app.

If you need to make payments with funds from another financial institution, you can set up one-time payments online without logging in.

Don’t have online banking set up yet? Please call our Member Care Center to receive a temporary pin number, and then enter your account number (listed on your membership card), create a password and get started!

Members: Make Car Payment

Does Suncoast have Payment Protection policies for car loans?

Suncoast offers Payment Protection policies that can help you make your monthly loan payments if you become disabled due to injury or illness. Payment Protection offers coverage until you are no longer disabled or payoff your loan balance in full up to the policy maximum in the event of death. Payment Protection, provides:

Credit Life insurance for up to $30,000 or your loan balance, whichever is less; this can be added to the loan payment.
Credit Disability insurance to protect against disability of the insured borrower. The benefit will make the payment amount up to $600 per month, per loan, during the disability period.

Contact Suncoast Member Services or call Member Care Center at 800-999-5887 for more information. Insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the credit union.

How can I apply for auto refinancing?

You can apply for auto refinancing in SunNet Online Banking, using the SunMobile app, or calling the Member Care Center at 800-999-5887 ext. 88100.

Apply for Auto Refinancing with 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

Apply for Auto Refinancing with 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

Do you offer 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 4.50% APR^† on all electric, hybrid, and plug-in hybrid vehicles.

†APR = Annual Percentage Rate effective 5/1/2026; subject to change, term, and credit qualifications. Special auto loan rate as low as 4.50% 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.

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Special Savings on Eco Vehicle Loans

Get Pre-qualified eco-vehicle-loan