SCCU - Auto Loan Refinancing

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Auto Loan Refinancing

Refinancing Your Loan from Another Lender

Overall member rating avg. 4.83

out of 130 member reviews

Get the lower payment you wanted in the first place! Refinancing an auto, boat or RV loan you have with another lender is a smart, fast move – and it won’t cost you a cent. Ask about our 3-month "Payment Holiday"¹ available for both purchase and refinance loans. Surveys show: Members love our refinance programs! Apply Online Now

BEST CHOICE IF

You financed elsewhere and would like to lower your monthly payment
You want to manage more of your accounts with SCCU and receive one less statement
You didn’t buy GAP coverage or an Extended Warranty and want them now
You would like to refinance your loan from another lender and reduce the amount you owe by applying your Rewards rebate

ADVANTAGES

Phone application available 24 hours, 7 days a week
No application fee
Rates as low as 4.99% APR¹
Your credit history is only accessed by SCCU
You can purchase GAP and/or Warranty coverage when you refinance
One statement for all your accounts
Use your Rewards to reduce your loan amount
Get a Free CARFAX Lemon Check on pre-owned vehicles before you buy

PROGRAMS

Terms up to 84 months (availability depends on vehicle, model year, and other criteria)²
Up to 90-day deferred payment option³
New vehicle financing
Used vehicle financing
Motorcycles
Boats, RVs, ATVs
Low-cost GAP coverage
Warranties with special pricing for credit union members

Ease		4.8

Responsiveness		4.75

Rate		4.67

Time		4.68

Recommend SCCU		4.82

(Out of 130 member reviews)

Member Comments

The customer service was exceptional and I received an extra cash bonus that was not expected. My original car loan was with another bank, which the dealership selected, and I was very pleased when I learned how easy it was to transfer the loan to Space Coast Credit Union with a lower rate.

Debra J.
on 12/10/07

Not only did I get a lower rate, I also refinanced my 2nd mortgage, lower and FIXED my rate, and everything was done within a 48 hour turn-around time. I would definitely recommend Space Coast to anyone who wants the simplified loan experience! They even offer the opportunity to see your account on-line AND send daily updates on your balances!

Joanne P.
on 1/9/08

Quotes and Pre-Approvals | Financing at the Dealer | Refinancing

¹RATES: Rates current as of 3/7/08 and are subject to change. Rates shown are fixed Annual Percentage Rates and are based on your credit quality, term and our usual credit criteria apply. Your rate may be different. Qualified borrowers only. For example, the 4.99%APR rate is based on 48 monthly payments. You may be asked to furnish a down payment.
²TERMS: Terms available up to 84 months and are based on your credit quality, vehicle type, model, year and our usual credit criteria apply. Your term may be different. Qualified borrowers only.
³DEFERRED PAYMENT PROGRAM: Optional. Interest accrues from date of contract. Qualified borrowers only. First payment may be deferred up to 90 days and is dependant upon when your loan closes, yours may be 90 days or less.

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Corporate Headquarters: Space Coast Credit Union 8045 N. Wickham Road Melbourne, Florida 32940
PH: 321.752.2222 • TF: 800.447.7228