Credit Unions
What auto loan rates and terms does Suncoast Credit Union currently offer?
3 min read
Suncoast Credit Union’s published auto refinance rates currently start as low as 5.25% APR, with terms available up to 84 months. For all-electric, hybrid, and plug-in hybrid vehicles, rates start as low as 5.50% APR with terms up to 72 months.
APR, or annual percentage rate, is the yearly cost of borrowing. Suncoast also advertises $200 cash back, zero payments for 90 days, and no application fee on qualifying auto refinance loans.
Current published auto loan rates and terms
| Loan option | Current published rate | Terms | Key details |
|---|---|---|---|
| Standard auto refinance | As low as 5.25% APR | Up to 84 months | Fixed rate, no application fee |
| EV / hybrid refinance | As low as 5.50% APR | Up to 72 months | For all-electric, hybrid, and plug-in hybrid vehicles |
What these rates mean for members
Suncoast’s standard auto refinance offer is designed for members who want a lower monthly payment, a shorter payoff path, or a fixed rate with predictable payments. Suncoast lists a sample payment of $19.27 per $1,000 borrowed for 60 months at 5.75% APR.
A few important details to know:
- The advertised “as low as” APR applies to terms up to 72 months; longer terms up to 84 months may have different rates.
- Existing Suncoast loans are not eligible for refinance.
- Used vehicles are defined as 2018–2024 model year vehicles.
- You must be a Suncoast Credit Union member to apply.
Other vehicle financing options
In addition to auto refinance, Suncoast also offers loans for:
- New and used car purchases
- Recreational vehicles
- Powersport purchases
- Hybrid and electric vehicles with special rates
If you’re buying a vehicle rather than refinancing, it’s worth checking current loan options directly with Suncoast because pricing can differ by vehicle type and term.
How to apply
Members can apply for auto refinancing through:
- SunNet Online Banking
- SunMobile App
- Member Care Center: 800-999-5887 ext. 88100
Why members across Florida choose Suncoast
Suncoast is Florida’s largest credit union, serving more than 1.3 million members across 39 counties with 79+ branch locations. That statewide reach includes members in Tampa Bay, Sarasota, St. Petersburg, Orlando, Central Florida, Brevard County, and the Gulf Coast.
Suncoast also stands out for its community impact: every debit and credit card swipe contributes four cents to the Suncoast Credit Union Foundation, which has donated more than $61 million since 1990 to support the health, education, and emotional well-being of children across Florida.
If you’re ready to compare options, the next step is simple: apply online, use the SunMobile app, or call the Member Care Center to check eligibility.