Miami Auto Loans

Buying a new car, refinancing your current car loan, or purchasing a used vehicle is easy with SCCU's Watchdog Auto Loans. Our Miami auto loan customers save money and time with a convenient auto loan application process, fast approvals, and great auto loan rates. There's no application fee on any of our auto loan programs, including auto loan refinancing that can lower your monthly payment, loan financing at your dealership, or pre-approval on a new or used vehicle that lets you know your monthly payment before you buy. Our local decision makers are right here in Miami, ready to help you get behind the wheel with personalized service. Start your application today online or visit an SCCU branch located near you.

Miami / North Miami Beach Area Branches:

Bird Road, Coral Gables, Cutler Bay, Homestead, Kendall Breeze, Kendall Wal-Mart, Miami Gardens Wal-Mart, NW 36th Street, Skylake, South Dixie, Sunset

Product Name Benefits Features Recommended If
Pre-Approved Loan for a New/Used Auto Purchase Know your monthly payment before you buy with our pre-approved auto loan. We also offer car buying advice.
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You want help from our experts in picking the new or pre-owned vehicle and payment that's right for you before you shop. 
Apply Now
Auto Loan Refinancing Lower your monthly payment and save money when you refinance an existing auto, boat, or RV loan from another lender.
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You financed elsewhere and would like to decrease your monthly payment by taking advantage of our low rates.
Apply Now
Loan Financing at the Dealership Apply for an SCCU loan at participating dealerships and get your car and your loan in one easy step.
Learn More
  • Same low rates available
  • Dealership takes and submits your application when you buy
  • Auto loan rates
You prefer to handle your financing and your purchase together all at one location. 
Request A Dealer

All Miami Auto Loans Offer:

Important disclosures, payments, assumptions, and APR information

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 78 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 contract. Qualified borrowers only. First payment may be deferred up to 90 days and is dependent upon when your loan closes, your deferment may be 90 days or less. Deferred payment not available for refinances of existing SCCU auto loans.
  • SCCU Routing Number: 263177903

Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Collier, Flagler, Indian River, Lake, Lee, Manatee, Marion, Martin, Miami-Dade, Monroe, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Polk, Putnam, Seminole, St. Johns, St. Lucie, Sumter, or Volusia Counties in Florida.

  • Brevard: 321-752-2222
  • Broward: 954-704-5000
  • Miami-Dade: 305-882-5000
  • All Other Areas: 800-447-7228

*APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

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Member Rewards

Member Rewards is an exclusive Space Coast Credit Union program that provides benefits such as free or discounted services based on your level of participation in the credit union.

  • Gold members may order one FREE box of SCCU logo checks per year.
  • Platinum members may order unlimited FREE boxes of SCCU Exclusive Style checks (one box at a time).
Learn more about the Member Rewards program.