Space Coast Credit Union
Space Coast Credit Union — refinance-specific rates from 5.74% with no application fees.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Space Coast Credit Union does not publish this on their public site. "No restriction" means Space Coast Credit Union explicitly states no limit.
Overview
Space Coast Credit Union (SCCU) publishes refinance-specific rates for loans moved from another lender. Effective 10/01/2026, rates start as low as 5.74% for terms up to 48 months, rising to 6.74% for 84 months, for vehicle model years 2024 and newer.…
What’s great
- Refinance-specific APR as low as 5.74%
- No application fees and no prepayment penalties
- Terms up to 84 months
What to know
- Lowest rates are for model years 2024 and newer
- Florida Documentary Stamp Tax applies and isn't in the APR
- Upper APR bound and minimum credit score are not published
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | From 5.74% — minimum only; full range not published |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Up to 84 months |
| States served | Not disclosed |
| Membership requirement | SCCU membership required |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Space Coast Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Space Coast Credit Union before applying.
- [1]SCCU Auto Loan Refinance — refinance APR as low as 5.74% (up to 48 mo), 5.99% (66), 6.49% (75), 6.74% (84) for model years 2024 and newer, effective 10/01/2026; no application fees; no prepayment penalties; terms up to 84 months; applies only to non-SCCU loans — Space Coast Credit Unionhttps://www.sccu.com/personal/auto-loans/refinance-an-auto-loan-from-another-lenderLast checked: October 2026