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With low variable rates, digital wallet payment options, and no annual fees, members enjoy more with an SCCU Visa® credit card.

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Credit Union Auto Loans

Better Rates For Better Car Loans

Hitting the road? Take us along! We've designed our purchase and refinance auto loans to get you quickly and affordably on the road.

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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 Auto Loan Rates8 for New and Used Vehicles
  • Exclusive Rates for Community Heroes

No matter where you are with your car search, getting pre-approved for an SCCU auto loan give you purchasing power.

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.
Refinance your current auto loan with SCCU and save! Our lower rates can give you lower monthly payments, and significantly lower your cost over the remaining life of your auto loan.

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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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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