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Auto Loans

Get the Car Loan You Deserve

When it's time to buy a new car or refinance your existing auto loan, SCCU's auto loans will get you moving! We offer fast approval decisions and low rates so you can drive away with a great deal and a comfortable monthly payment!

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  • Fast Approval Decisions
  • Automatic Online Bill Pay
  • SCCU Member Service for the Life of the Loan
  • SCCU Membership, with Free Online and Mobile Banking
  • No Application Fees
  • No Payments for up to 120 Days11
  • Simple Electronic Closing with Express Sign
  • No Pre-Payment Penalties
  • Flexible Terms9
  • Low Rates8 for New and Used Vehicles
  • Exclusive Rates for Community Heroes
Whether you’re just beginning to think about your new ride, still shopping, or already know what you want, getting pre-approved for an SCCU auto loan will put you in the driver’s seat!
Refinance your current auto loan SCCU and save! Our lower rates can give you lower monthly payments, and significantly less cost over the remaining life of your auto loan.
Get your car and your loan in one easy step when you apply for auto financing at the dealership! Be sure to request SCCU financing.

Frequently Asked Questions

Space Coast Credit Union requires Collision and Comprehensive coverage on all vehicle loans. The insurance deductible must be $1,000 or less. 
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You can go to any dealership in Florida. If you choose to utilize a dealership out of the state of Florida, we must ensure that the dealership will accept our site draft.

If the dealership will not accept our site draft, then we will have to try to get an exception to issue you a check at the time of closing.  
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A down payment may be required or you can choose to pay the lien fee out of pocket. You also have the option to finance the lien fee into your loan if you choose. DOC stamps must be financed per to state regulations.  
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An auto loan pre-approval is good for 30 days. After this time, you will need to contact SCCU to extend the application.
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Go shopping! Once you find the vehicle, we will need the dealer to fax the Buyer's Order to us. Once we receive this document, you can visit the SCCU branch of your choice to sign the paperwork. Please visit the  Auto Loan page for more information about the process for our auto loan pre-approvals. 
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No, you do not have to be a member to apply for an auto loan. Should you qualify for a loan, we will process your auto loan application and membership application together during that time. 
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You are not obligated to the loan if you decide not to purchase a vehicle. Please contact SCCU to cancel the application.  
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Yes, your credit is pulled and reviewed in order to provide an auto loan pre-approval. 
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Our team will review the entire loan application to determine how much of a down payment, if necessary, is required as a down payment in order to fund your auto loan. 
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