Suncoast Credit Union Car Loan Requirements

When buying a car, motorcycle, boat, or recreational vehicle, there are numerous factors to take into account. With affordable insurance, flexible terms, competitive rates, refinancing options, and our online loan center, we assist in making that process simple.

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To sign in to your SunNet Online Banking account, enter your member number. Member Number Password.

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Once logged in, choose the Open and Apply option to submit a loan application or open a new account. Member Number Password.

Not a member yet?

There are many ways to qualify for membership, and opening a new account during the enrollment process is quick and simple. As a member of Suncoast, choose the option below, follow the instructions, and you’ll be on your way to amazing value and savings!

Suncoast can make life’s big purchases a little simpler, whether you’re buying, financing, refinancing, insuring, or protecting your vehicle. Save money with an APR as low as 5. 5% and delight in outstanding customer service at every turn.

When buying a car, motorcycle, boat, or recreational vehicle, there are numerous factors to take into account. With affordable insurance, flexible terms, competitive rates, refinancing options, and our online loan center, we assist in making that process simple.

Select a Service:

  • Explore Auto Loan Rates

    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. Here’s a rundown of all our vehicle loan options.

  • Choose a Product:

    APR* as low as

    New/Used Vehicles 72 mos.

    APR* as low as

    New/Used Harley Davidson MC 72 mos.

    APR* as low as

    New Motorcycles 72 mos.

    APR* as low as

    Used Motorcycles 72 mos.

    APR* as low as

    New Recreational Vehicles 180 mos.

    APR* as low as

    Used Recreational Vehicles 180 mos.

    APR* as low as

    New Boat/Motor/Trailer 180 mos.

    APR* as low as

    Used Boat/Motor/Trailer 180 mos.

    APR* as low as

  • New/Used Vehicles
    • Get pre-approved. Apply in person, by phone or online.
    • No application fee.
    • No prepayment penalty.
    • 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 $19. 15 per $1,000 borrowed based upon a 5. 50 APR.
  • New/Used Harley Davidson MC
    • Since we are aware that Harley Davidsons are unique, we provide special financing!
    • Get pre-approved. Apply in person, by phone or online.
    • No application fee.
    • No prepayment penalty.
    • 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 $19. 15 per $1,000 borrowed based upon a 5. 50% APR.
  • New Motorcycles
    • Suncoasts motorcycle loans can be used to finance motorcycles and all-terrain vehicles (ATVs).
    • Get pre-approved. Apply in person, by phone or online.
    • No application fee. No prepayment penalty.
    • Present calender year model and previous three calender year models.
    • New A.T.V. 72 months maximum.
    • Payment Example: 60 payments of $18. 80 per $1,000 borrowed based upon a 5. 75% APR.
  • Used Motorcycles
    • Suncoasts motorcycle loans can be used to finance motorcycles and all-terrain vehicles (ATVs).
    • Get pre-approved. Apply in person, by phone or online.
    • No application fee. No prepayment penalty.
    • Four to Ten calendar year models as of January 1st.
    • Used A.T.V. 72 month maximum.
    • Payment Example: 60 payments of $18. 80 per $1,000 borrowed based upon a 5. 75% APR.
  • New Recreational Vehicles
    • Suncoast has the loan for you when you’re prepared to travel in an RV.
    • Get pre-approved. Apply in person, by phone or online.
    • No application fee. No prepayment penalty.
    • Present calendar year model and previous three calendar year models.
    • Maximum term is only available for the current model and one older one.
    • Maximum of $400,000.00.
    • Payment Example: 180 payments of $7. 80 per $1,000 borrowed based upon a 5. 75% APR.
    • Not available for RVs being used as a primary residence.
  • Used Recreational Vehicles
    • Suncoast has the loan for you when you’re prepared to travel in an RV.
    • Get pre-approved. Apply in person, by phone or online.
    • No application fee. No prepayment penalty.
    • Maximum of $400,000.00.
    • Up to Ten calendar year models as of January 1st.
    • Payment Example: 180 payments of $7. 80 per $1,000 borrowed based upon a 5. 75% APR.
    • Not available for RVs being used as a primary residence.
  • New Boat/Motor/Trailer
    • Finance boats, motors, trailers, and personal watercraft with Suncoast Boat Loans
    • Get pre-approved. Apply in person, by phone or online.
    • No application fee. No prepayment penalty.
    • Present calendar year model and previous three calendar year models.
    • Personal watercraft 72 months maximum.
    • Payment Example: 144 payments of $9. 15 per $1,000 borrowed based upon a 5. 75% APR.
    • Not available for Boats being used as a primary residence.
  • Used Boat/Motor/Trailer
    • Finance boats, motors, trailers, and personal watercraft with Suncoast Boat Loans
    • Get pre-approved. Apply in person, by phone or online.
    • No application fee. No prepayment penalty.
    • Ten calendar year models as of January 1.
    • Personal watercraft 72 months maximum.
    • Payment Example: 144 payments of $9. 15 per $1,000 borrowed based upon a 5. 75% APR.
    • Not available for Boats being used as a primary residence.
  • Special Savings on Eco Vehicle Loans

    Gas-guzzling cars hurt the environment and your wallet, so many motorists today opt for electric or hybrid vehicles as their next mode of transportation. With a Suncoast Eco Vehicle Loan, you can save on more than just the cost of gas. Rates start as low as 5. 25% APR† on all electric, hybrid, and plug-in hybrid vehicles.

    APR = Annual Percentage Rate as of November 4, 2022; subject to term, credit requirements, and change. Special auto loan rate as low as 5. 25% for electric, hybrid, and plug-in hybrid vehicles is valid for terms up to 72 months on models from the current calendar year and the previous three calendar years. Annual percentage rates may vary. On variable rate products, annual percentage rates may change throughout the loan term. Membership and/or participation fees may apply. Through your credit union, enquire about specific costs associated with a product. Existing Suncoast loans are not eligible for refinance.

    FAQ

    What credit score is needed for Suncoast Credit Union?

    Suncoast Credit Union provides credit cards for people with bad credit (300–639), fair credit (640–699), good credit (700–749), and students with little credit history.

    What credit score do you need to get approved for a car loan?

    In general, you must have a credit score of at least 600 to be eligible for a traditional auto loan, but different lenders have different minimum credit score requirements. You may need to look for a bad credit car loan if your credit score is in the subprime range.

    What is the minimum income to finance a car?

    The amount of money you must make varies depending on the lender, but as a general rule, it’s around $1,500 per month. Shop around with lenders to find one who will accept you and to find the lowest interest rate.

    Which bank has the easiest auto loan approval?

    The Easiest Auto Loans to Get Online
    1. Auto Credit Express. 4.9 /5.0 Stars. …
    2. Car.Loan.com Auto Loan. 4.5 /5.0 Stars. …
    3. myAutoloan.com. 4.0 /5.0 Stars. …
    4. Carvana. …
    5. Capital One Auto Finance. …
    6. Credit Acceptance. …
    7. DriveTime. …
    8. LightStream.