Credit union · NCUA insured
Space Coast Credit Union Auto Loan Rates
Top CarrotSpace Coast Credit Union auto loans start at 5.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 5, 2026.
How Space Coast Credit Union’s auto loan rates compare
Compared with banks and credit unions near Miami, FL, where Space Coast Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Space Coast Credit Union
5.99%APR
- Terms
- up to 66 months
- Up to
- —
Auto Financing at the Dealership
Lowest rate
SUN Credit Union
3.99%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
Space Coast Credit Union auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Space Coast Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Financing at the Dealership
Available for new and used vehicles at participating SCCU dealerships. Fixed APR for vehicle model years 2024 and newer (or 2026 and newer per general disclosures). Rates and terms depend on creditworthiness, term selected, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax not included in quoted APR. No application fees or pre-payment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.74% | Payment per $1,000 is $23.37. Fixed APR 'as low as' for model years 2024 and newer (or 2026 and newer per general disclosures). No minimum loan amount. |
| up to 66 months | 5.99% | Payment per $1,000 is $17.83. Fixed APR 'as low as' for model years 2024 and newer (or 2026 and newer per general disclosures). Minimum loan amount $10,000. |
| up to 75 months | 6.49% | Payment per $1,000 is $16.27. Fixed APR 'as low as' for model years 2024 and newer (or 2026 and newer per general disclosures). Minimum loan amount $12,000. |
| up to 84 months | 6.74% | Payment per $1,000 is $14.97. Fixed APR 'as low as' for model years 2024 and newer (or 2026 and newer per general disclosures). Minimum loan amount $20,000. |
Sources (2)
All captured Oct 5, 2026
Auto Loan Pre-Approval
Available for new or used vehicles for private auto sales and dealerships. Fixed APR for vehicle model years 2024 and newer (or 2026 and newer per general disclosures). Rates and terms depend on creditworthiness, term selected, vehicle type, and model year. Pre-approval valid for 30 days. Florida loans subject to Documentary Stamp Tax not included in quoted APR. No application fees or pre-payment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.74% | Payment per $1,000 is $23.37. Fixed APR 'as low as' for model years 2024 and newer (or 2026 and newer per general disclosures). No minimum loan amount. |
| up to 66 months | 5.99% | Payment per $1,000 is $17.83. Fixed APR 'as low as' for model years 2024 and newer (or 2026 and newer per general disclosures). Minimum loan amount $10,000. |
| up to 75 months | 6.49% | Payment per $1,000 is $16.27. Fixed APR 'as low as' for model years 2024 and newer (or 2026 and newer per general disclosures). Minimum loan amount $12,000. |
| up to 84 months | 6.74% | Payment per $1,000 is $14.97. Fixed APR 'as low as' for model years 2024 and newer (or 2026 and newer per general disclosures). Minimum loan amount $20,000. |
Sources (3)
- sccu.com/personal/auto-loans
- sccu.com/personal/auto-loans/p…oan-for-new-or-used-cars
- sccu.com/personal/auto-loans/auto-financing-dealership
All captured Oct 5, 2026
Auto Loan Refinancing
Applies only to refinances of non-SCCU auto loans for new and used vehicles. Rates shown are fixed APRs for vehicle model years 2024 and newer (or 2026 and newer per general disclosures). Actual rate and terms affected by creditworthiness, term selected, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax not included in quoted APR. No application fees or pre-payment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.74% | Payment per $1,000 is $23.37. Fixed APR 'as low as' for model years 2024 and newer (or 2026 and newer per general disclosures). Rates only apply to refinances of non-SCCU auto loans. No minimum loan amount. |
| up to 66 months | 5.99% | Payment per $1,000 is $17.83. Fixed APR 'as low as' for model years 2024 and newer (or 2026 and newer per general disclosures). Rates only apply to refinances of non-SCCU auto loans. Minimum loan amount $10,000. |
| up to 75 months | 6.49% | Payment per $1,000 is $16.26. Fixed APR 'as low as' for model years 2024 and newer (or 2026 and newer per general disclosures). Rates only apply to refinances of non-SCCU auto loans. Minimum loan amount $12,000. |
| up to 84 months | 6.74% | Payment per $1,000 is $14.97. Fixed APR 'as low as' for model years 2024 and newer (or 2026 and newer per general disclosures). Rates only apply to refinances of non-SCCU auto loans. Minimum loan amount $20,000. |
Sources (2)
All captured Oct 5, 2026
Who can join Space Coast Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to all who work or live in Alachua, Brevard, Broward, Charlotte, Citrus, Clay, Collier, Duval, Flagler, Hernando, Hillsborough, Indian River, Lake, Lee, Manatee, Marion, Martin, Miami-Dade, Monroe, Nassau, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, or Volusia Counties in Florida.
Family and household
- Membership is open to relatives of current members.
Membership information collected October 5, 2026.