How do I apply for an auto loan or refinance with Suncoast Credit Union?

You can apply for a Suncoast auto loan online or, if you’re refinancing, through SunNet Online Banking, the SunMobile App, or by calling the Member Care Center at 800-999-5887 ext. 88100. If you’re not already a member, joining is simple with a $5 savings account, and Suncoast — Florida’s largest credit union — serves more than 1.3 million members across 39 counties and 79+ branches.

How to apply for a Suncoast auto loan

If you’re buying a new or used vehicle, start by reviewing Suncoast’s auto loan options on suncoast.com or by visiting a nearby branch. Suncoast also offers financing for recreational vehicles, powersports, and hybrid and electric vehicles with special rates.

A simple way to get started is to have this information ready:

• The vehicle you want to buy
• Your income and employment details
• A valid driver’s license or ID
• Insurance information, if requested
• Any trade-in or dealer paperwork, if applicable

Once you submit your application, Suncoast reviews the information and lets you know what financing you qualify for. That makes it easier to compare payments and choose a loan that fits your budget.

How to apply to refinance an auto loan

Refinancing replaces your current auto loan with a new one, usually to help you lower your interest rate, reduce your monthly payment, or change your loan term. Suncoast makes it easy to apply for a refinance in the places members already use most:

• SunNet Online Banking
• SunMobile App
• Member Care Center: 800-999-5887 ext. 88100

Suncoast’s current standard auto refinance rate is as low as 5.25% APR. For reference, a payment example is 60 payments of $19.27 per $1,000 borrowed based on a 5.75% APR.

A few important refinance details:

• Terms are available up to 72 months
• You must be a Suncoast member to apply
• Existing Suncoast loans are not eligible for refinance
• Refinancing is available for qualifying vehicle models

APR means annual percentage rate. It’s the yearly cost of borrowing, including interest and certain fees.

What to know before you apply

Before you start, it helps to gather your current loan details so you can move quickly through the application. Most members will want to have:

• Current lender name and account number
• Approximate payoff amount
• Vehicle identification number (VIN)
• Mileage and vehicle details
• Income and employment information

If you’re not yet a member, Suncoast membership is open to anyone who lives, works, attends school, or engages in religious activities in the Florida counties Suncoast serves. You can open a membership savings account with just $5.

Why members refinance their auto loan

Members often refinance when they want to:

• Lower their monthly payment
• Get a better interest rate
• Pay off the loan sooner
• Simplify their budget

That can be especially helpful if your credit has improved since you first financed your car, or if you want to adjust your loan term for more breathing room each month.

Other vehicle financing options at Suncoast

Suncoast offers more than just standard car loans. Members can also finance:

• New car purchases
• Used car purchases
• Recreational vehicles
• Powersports vehicles
• Hybrid and electric vehicles with special rates

That flexibility is useful whether you’re shopping for a commuter car in Tampa Bay, a family SUV in Central Florida, or a weekend vehicle along the Gulf Coast.

The easiest next step

The quickest way to move forward is to apply online at suncoast.com, use SunNet Online Banking or the SunMobile App if you’re refinancing, or call 800-999-5887 ext. 88100 for help. If you prefer in-person service, visit any Suncoast branch in the 39-county Florida service area.