Vehicle Loans


Sarasota Coastal Credit Union is the leader in loans for new and used vehicles because we make it so easy to secure your loan. If you're financed at another institution it is quite possible that we could lower your monthly payments by reducing your monthly interest rate!

Check out our competitive loan rates.

Apply online for an auto loan or apply online for a boat, motorcycle or RV loan.

Also view A Word About Our Rates for a full explanation of our risk-based lending program.

If you're in the market for a new or pre-owned vehicle, or if you'd like to refinance an existing auto loan financed at another institution, Sarasota Coastal is offering loan rates as low as 3.75% APR*.

*APR is annual percentage rate and APR shown requires qualification based on credit. Shown APR is accurate at time of publishing and this is a limited offer subject to change. Higher promotional APR may apply. The special APRs offered with this promotion do not apply to Sarasota Coastal Credit Union exiting loan refinances. This is the lowest APR available and requires the setup of a new direct deposit (payroll or government benefit). Lowest APR available without a new direct deposit setup is 3.99%. All loans and terms are subject to credit approval and restrictions may apply. Rates subject to change at any time.

More Ways to Save and Protect Your Investment

Mechanical Repair Coverage (MRC)
Sarasota Coastal offers a low-cost insurance program which protects the member from expensive auto repairs. MRC provides the same protection as the extended warranties offered by auto dealers, and saves you up to 50%.

Guaranteed Auto Protection (GAP Insurance)
Guaranteed Auto Protection is a Loan/Lease Balance deficiency (GAP) Waiver designed to eliminate your unpaid net loan/lease balance in the event your vehicle is stolen or damaged beyond repair. The GAP Waiver eliminates "out-of-pocket" expenses for remaining loan/lease balance after loss settlement; helps protect your credit rating; and helps you to purchase a replacement vehicle.

Pre-Approvals of New and Pre-Owned Vehicle Loans
Fill out an application before you start shopping for your vehicle. Once it’s approved, you may select a vehicle at your leisure. A pre-approved vehicle loan is valid for 30 days. Pre-approved financing will give members an advantage when bargaining for the price of the vehicle.

Auto Insurance
To verify insurance for your auto loan, please click here and follow the simple instructions.