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Car Buying Center

Car buying made simple

Should I buy or refinance? What would be my monthly car payment? What’s GAP insurance?

You have questions and we have answers. Gain relevant insights and tips to make your car buying experience simple.

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$
Monthly Payment :
$0.00
Interest rate / APR :
1.89%

Monthly Payment : $0.00

Interest rate / APR : 1.89%

"I purchased a vehicle very recently and SCCU had the BEST interest rate of all other financial institutions."

Mike V.

Helpful Articles

Tips for Applying for a Used Car Loan
October 26, 2021 by Space Coast Credit Union
Buying a used car offers a variety of benefits from saving more money to stressing less about depreciation. Nowadays, you can get a detailed history of the used car, so you have a better idea of what you’re buying. Plus, more information is available online about the reliability of a car’s make and model. While some may find used car financing to be daunting, more and more lenders make it easier than ever. Once you’ve decided to purchase a used car, here are seven steps you can take to streamline the process and help you get the best deal.
The Florida Financing Guide to Boat Loans
October 5, 2021 by Space Coast Credit Union
If you dream of enjoying the Florida waterways in a sailboat, powerboat, motorboat, cabin cruiser, or other boat type of choice, here’s what you should know about financing and the boat loan process. Fortunately, the purchase process is easier than you might think. We’ll take you through the entire process to help you find the best boat loan for you. 
How to Refinance a Car (+ When to Do It)
September 2, 2021 by Space Coast Credit Union
Refinancing a car involves replacing the current loan on your vehicle with a new loan that typically has more agreeable terms. This can take place with your current lender or with a different one. To help you navigate this process, we’re sharing the pros and cons of refinancing a vehicle, the steps involved in refinancing, and when it makes sense to do so.
Is it better to buy a used or new car?
August 20, 2021 by Jodie Kinley-Smith & Duane Daski
We’re in a strange economic time right now with many dealers having an extreme shortage of inventory due to a chip shortage. Chips, or semiconductors, play an essential role in managing vehicles’ safety devices, engine functions, and more. Because of the pandemic, U.S. automakers had to close factories to slow the spread of the virus and cancelled chip orders, expecting fewer people to buy. 
What are Common Car Loan Terms?
August 5, 2021 by Space Coast Credit Union
Do you feel like your brain’s dissolving into Jell-O as you’re exploring car loan repayment periods? It can feel overwhelming as you’re weighing the pros and cons between short-term and long-term loans. Common car loan terms usually range between 24 and 84 months—but which one is right for you?
The Essential Guide to Car Loans: Everything You Need to Know
May 21, 2021 by Space Coast Credit Union
To get the best car loan at the best rate, make sure you understand the car loan process. Read our guide to auto loans, refinancing, and more.
Car Loans Tips & Tricks
May 21, 2021 by Space Coast Credit Union
Discover four car loan tips and tricks to help navigate the car buying experience. These are important whether you’re buying new or used vehicles.
How to Make Your Loan Payment
April 1, 2021 by Space Coast Credit Union
SCCU’s loan payment process is designed to be as quick and convenient as possible, saving you two of the things you care about most – time and money.
Auto Loan Refinance: Is Now the Right Time?
May 8, 2020 by Space Coast Credit Union
There are multiple reasons choosing a credit union makes good sense when it's time to refinance.
SCCU’s Five-Minute Guide to Buying a Boat
March 12, 2020 by Gary Prager
Summer is here and there’s no better time to enjoy Florida’s great outdoors.
Tips on Buying a Used Luxury Car
September 26, 2019 by Jodie Kinley-Smith
In today’s world, many pre-owned cars are in excellent shape with low miles, especially in the luxury market.
Tips for Buying Your New Car
May 10, 2018 by Jodie Kinley-Smith
As with any major purchase, it is always a good idea to do your homework to know what you can afford. 
The Benefits of Auto Loan Pre-Approvals
December 14, 2017 by Space Coast Credit Union
Ever gone car shopping and fallen in love with a certain vehicle, only to discover you couldn’t afford the payments?
New Car Purchase? December is an Ideal Month to Buy
December 8, 2017 by Space Coast Credit Union
In fact, it's one of the best times. Here's why.
Auto Loan Refinance and Why Not to Procrastinate
October 5, 2017 by Space Coast Credit Union
We look forward to serving you and saving you money!
More Car Loan Questions and Answers
August 25, 2017 by Space Coast Credit Union
Find frequently asked car loan questions and answers, and contact us with additional questions!
How Much Can I Borrow for a Car Loan?
July 14, 2017 by Space Coast Credit Union
If it's time to shop for a new vehicle, you're probably wondering how much you can borrow for a car loan.
Pros and Cons of Refinance: Auto Loans
June 27, 2017 by Space Coast Credit Union
If you're considering refinancing a car, learn more about the advantages and disadvantages first.
Top 10 Most Reliable Cars
June 27, 2017 by Space Coast Credit Union
Reliability plays a crucial role in purchasing new car. What are the most reliable cars on the market today?
Frequently Asked Car Loan Questions
June 16, 2017 by Space Coast Credit Union
Have auto loan questions? We have answers!
What is Auto Loan GAP Insurance?
June 1, 2017 by Space Coast Credit Union
Find out what auto loan GAP insurance is, along with when and why it can be a real life saver.
SCCU’s Five-Minute Guide to Buying an RV
May 11, 2017 by Space Coast Credit Union
There’s a lot to know before you set foot on a lot. The more you research now, the better things will go.
Leasing Vs. Buying a Car
February 8, 2017 by Space Coast Credit Union
The decision to lease or buy a car is a personal one. Don't let the dealer make it for you.
7 Things to Do Before Your Next Road Trip
July 1, 2016 by Tim Alexander
One of life’s greatest pleasures can be a summer road trip to your favorite vacation destination.

Disclosures and Compliance

APR = Annual Percentage Yield

1RATES: Rates are subject to change. Rates shown are fixed Annual Percentage Rates and are affected by your credit quality, model year, term selected, loan-to-value (LTV), and payment method. Your rate may be different. Qualified borrowers only. Our usual credit criteria apply. 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, and year. Our usual credit criteria apply. Your term may be different. Qualified borrowers only.

3DEFERRED PAYMENT: Optional. Interest accrues from date of the contract. Qualified borrowers only, available for terms up to 84 months, certain restrictions apply. First payment may be deferred up to 120 days and is dependent upon when your loan closes. Your deferment may be 120 days or less. Deferred payment is not available for refinances of existing SCCU auto loans. When selecting the 120 days no payment offering, your interest will continue to accumulate on a daily basis from the date you sign your loan agreement. This may result in one or more of your initial payments being applied only to interest, until all accumulated interest is satisfied, and not reduce your principal balance. Certain restrictions apply, based on creditworthiness. This will extend the length and payoff date of your loan term.

4Calculator: The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.