Auto Loan Refinancing

New Vehicles

• Get pre-approved. Apply in person, by phone or online.
• No application fee.³
• No prepayment penalty.
• Other rates and terms up to 84 months are available.⁴
• New is defined as 2024 to current model year vehicles.
• Rates vary based on term.
• Payment Example: 60 payments of $19.03 per $1,000 borrowed based upon a 5.25% APR.

Used Vehicles

• Get pre-approved. Apply in person, by phone or online.
• No application fee.³
• No prepayment penalty.
• Other rates and terms up to 84 months are available.⁴
• Used is defined as 2017-2023 model year vehicles.
• Payment Example: 60 payments of $19.27 per $1,000 borrowed based upon a 5.75% APR.

Refinancing is the process of replacing your current auto loan with a new one, usually to get a better interest rate, lower monthly payments, or adjust the loan term. When you’re approved for a loan refinance, you new lender will pay off your old loan and issue you a new one.

You can apply for auto refinancing in SunNet Online Banking, using the SunMobile app, or calling the Member Care Center at 800-999-5887 ext. 88100.

Apply for Auto Refinancing with SunNet Online Banking

• Log in to SunNet
• Click on “Open & Apply”
• Verify your contact information and click “Continue to Loan Center”
• Click on “Apply for an Auto Loan”
• In the new/used vehicle section, click on “Apply Now”
• Click on "Start a new application"
• Click on section for "Vehicle Loan"
• For the first question, choose “Refinance” as the general purpose of the loan
• Proceed with the application
   

Apply for Auto Refinancing with the SunMobile App

• Log in to SunMobile
• Click on “Open & Apply”
• Click on “Apply for an Auto Loan”
• In the new/used vehicle section, click on “Apply Now”
• For “Select a purpose” choose “Refinance”
• Proceed with the application
   

Yes, you must be a Suncoast Credit Union member to apply. Luckily, becoming a member is quick and simple and you can do it entirely online or in a branch.

You can make car payments online, through our SunMobile App, through ACH automatic payments, or payroll deduction. Here are the instructions for each method.

Pay Online

Track, view, and pay your loans from your Suncoast account with SunNet Online Banking.

Mobile Payments

Download our app, SunMobile, using your Apple iOS or Android device. Access and pay your loans from your Suncoast account when you’re on the go or away from the computer. Please see “Pay Online” option above, as you must sign in to your account through our website prior to accessing the mobile app. You can also conveniently make payments and view your loan statement through your smartphone's mobile wallet by enrolling in moBills.

ACH Automatic Payments

Set up automatic payments so you’ll know your payments are made on time every month. You choose the amount and the withdrawal date from your institution, and your payments will be made automatically for you.

Payroll Deduction

Making loan payments by payroll deduction is an easy way to pay your loan at the same time your payroll is deposited.
 

Track, view, and pay your loans from your Suncoast account with SunNet Online Banking or the SunMobile app.

If you need to make payments with funds from another financial institution, you can set up one-time payments online without logging in.

Don’t have online banking set up yet? Please call our Member Care Center to receive a temporary pin number, and then enter your account number (listed on your membership card), create a password and get started!