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Suncoast Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 08 November 2023
Fact checked

Suncoast Credit Union auto loans overview

Suncoast Credit Union logo

Established in 1934, Suncoast Credit Union is the largest credit union in Florida. Suncoast boasts a range of car financing options with competitive rates and terms. Other than these, members can enjoy minimal fees and a variety of loans tailored to different vehicles. These include eco-friendly vehicles, recreational vehicles, boats, motorcycles, and more.

Want to see what a Suncoast auto loan will cost? Try the Suncoast Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Suncoast Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: From 7% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: No application fee.
  • Discounts: Undisclosed.

SUNCOAST CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Suncoast provides workable vehicle loans for purchasing and refinancing your car. Pre-owned and new auto loans start as low as 7% APR with terms of up to 72 months. But if you want to extend your payment period for up to 84 months, other rates may apply.

Suncoast eco vehicle loans

You can also save on interest if you finance an electric, hybrid, or plug-in hybrid vehicle. Special rates can be as low as 6.75% APR, and terms are up to 72 months. For this loan, the present calendar year and previous three calendar year models are eligible for financing.

Recreational vehicle loans

Other than car loans, you can also apply for RV loans. New and used recreational vehicles start at 7.25% APR, and repayment periods stretch up to 180 months. You can borrow up to $400,000, but you can’t finance recreational vehicles used as a primary residence.

Boat loans

Boat loans are available at Suncoast Credit Union, too. You can finance pre-owned and used boats, motors, trailers, and personal watercraft for as low as 7.25% APR. Terms can be up to 180 months except for personal watercraft, which is up to 72 months.

Motorcycle loans

If you’re looking to finance a two-wheel ride, you can also do so at Suncoast. For new and used motorcycles and ATVs, interest rates begin at 7.25% APR with a maximum term of 72 months. But if you’re after Harley Davidson MC, you can get a maximum loan amount of $35,000 for as low as 7% APR. Plus, you can make payments for up to 72 months.

Suncoast Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

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Suncoast Schools Federal Credit Union

Suncoast Schools Federal Credit Union auto loan

Suncoast Schools Federal Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Suncoast Schools Federal Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Suncoast auto loan

Eligibility criteria

Though Suncoast Credit Union doesn’t disclose the exact criteria for loans, you should typically meet the following:

  • 18 years old or older
  • A legal resident
  • A Suncoast member
  • Employed or have a steady source of income

To further increase your chances of qualifying for vehicle loans, try to build your credit standing, too. Banks, credit unions, and lenders normally give the best loans to borrowers with excellent credit scores. So, this will give you an opportunity to negotiate offers and secure lower rates and better repayment options.

How to join Suncoast Credit Union

You can be a Suncoast member as long as you meet one of the following:

  • An immediate family of a Suncoast member
  • Live, work, attend school, or worship in one of the Florida counties that the credit union serves
  • An alumnus of Florida College

What you’ll need to have ready

Personal details

When you apply for auto financing with Suncoast Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide Suncoast with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

It will also help to understand how to get an auto loan. Being familiar with the steps can prepare you for the application process. Plus, this will give you an advantage in weighing your options and increasing your chances of getting approved for credit.

Ways to apply for a Suncoast auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 813-621-7511 or 800-999-5887

Additional Suncoast Credit Union auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but lending applications may range from a day or more based on your situation.
  • Rate discounts: Lower rates for electric vehicles, hybrid vehicles, and plug-in hybrid vehicles.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, ACH automatic payments, payroll deductions, by mail, and in person.

Vehicle restrictions and limitations

  • Maximum vehicle age: 10 calendar year car models.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Competitive rates.
  • Long repayment terms.
  • No application fee.
  • No prepayment penalty.
  • Lower interest rates for electric and hybrid vehicles.
  • Convenient auto-buying services offered.
  • Loan pre-approval available.
  • Easy online loan application.
  • Multiple payment options – online banking, mobile app, automatic payments, payroll deductions, by mail, and in a branch.
  • Fixed-rate loans for easier budgeting.

Cons

  • Required to be a Suncoast member.
  • Unspecified minimum and maximum loans.
  • Lack of autopay discounts.

FREQUENTLY ASKED QUESTIONS

How much interest does Suncoast Credit Union charge on car loans?

New and used car loans begin at 7% APR.

Are Suncoast car loan interest rates fixed or variable?

Suncoast’s auto loans have fixed interest rates.

What is the maximum term of a Suncoast vehicle loan?

The credit union has vehicle loan terms of up to 84 months.

Can I repay my Suncoast Credit Union auto loan early?

Yes. You can pay off your loan early without incurring a prepayment penalty.

How to apply for Suncoast car financing?

You can easily apply for a car loan online, through the phone, or in a Suncoast branch.

How do I pay my Suncoast Credit Union vehicle loan?

You can pay your credit in different ways – online banking, mobile app, automatic payments, payroll deductions, through mail, and in person.

Video: Auto loans | Suncoast keeps it simple

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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