Suncoast Credit Union
Suncoast — auto refi APR as low as 5.09% and zero payments for 90 days.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Suncoast Credit Union does not publish this on their public site. "No restriction" means Suncoast Credit Union explicitly states no limit.
Overview
Suncoast Credit Union advertises auto refinance rates as low as 4.75% APR (fixed) for well-qualified members on terms up to 72 months, with longer terms available up to 84 months at different rates. Refinances offer a 90-day first-payment deferral and pre-qualification is a soft pull.…
What’s great
- Advertised APR floor of 5.09%
- Zero payments for 90 days
- Soft-pull pre-qualification
What to know
- Florida-centric membership eligibility
- No published vehicle-age, mileage, term, or credit-score criteria
Eligibility
| Minimum credit score | Not disclosed |
| APR range | 5.09% – 5.09% (advertised refi floor for well-qualified members; fixed rate) |
| Maximum vehicle age | 8 years |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Up to 84 months |
| States served | Not disclosed |
| Membership requirement | Florida-based field of membership (eligibility-based) |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Suncoast Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Suncoast Credit Union before applying.
- [1]Suncoast Auto Loan Refinancing — fixed APR as low as 4.75%, zero payments for 90 days, soft-pull pre-qualification — Suncoast Credit Unionhttps://www.suncoast.com/For-You/Loans-and-Credit-Cards/Vehicle-Loans/Auto-RefinanceLast checked: October 2026