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Refinancing a Car: Benefits


Save money when you lower your auto loan rate or monthly payment with an auto loan refinance from SCCU. Refinancing your auto loan from another lender is fast, easy, and convenient.
 
  • Same low credit union rates1 for auto loan refinances and purchases
  • No out of pocket costs2
  • No payments for up to 90 days3
  • Low cost Guaranteed Asset Protection (GAP) coverage, Payment Protection, and warranties available to add on to your loan

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All Personal 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.

2OUT OF POCKET COSTS: You may be asked to furnish a down payment. 

3DEFERRED PAYMENT: Optional. Interest accrues from date of the contract. Qualified borrowers only, available for terms up to 75 months, certain restrictions apply. 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 is not available for refinances of existing SCCU auto loans. When selecting the 90 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.’

4TERMS: 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.

  • SCCU Routing Number: 263177903
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Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Flagler, Indian River, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Seminole, St. Johns, St. Lucie, 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.