Car Loan Suncoast Credit Union – If you want to lower your interest rate or lower your monthly payments, you may want to refinance your auto loan. There are many reasons to refinance your car loan, but do you know what steps to take once you’ve made the decision?
Monitoring your credit is always a good idea, especially if you know how to apply for a loan. If you’re looking to apply for a car refinance to get the best rate, it’s a good idea to think about your credit score before applying.
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If you make your payments on time and don’t have any other credit issues, your credit score may have improved since you first applied for a car loan. This is a good sign because a better score will help you get a better rate.
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Just because your credit score has dropped doesn’t mean you can’t refinance your loan. Keep in mind that if you get approved and what the new interest rate is, it will affect your credit score.
Before you apply for an auto refinance, take some time to gather all the materials you need. For your current auto loan, you’ll find:
You should also check that there are no prepayment penalties associated with your current loan. A copy of the loan agreement facilitates this process. If you don’t have the original contract, contact your lender for a copy.
Once you’ve gathered your materials, you’re ready to apply for an automatic refinance. Once your application is approved, you can decide whether to maintain or adjust your current loan term.
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If your goal is to save money over time, you may want to pay off the loan sooner. This will help you pay less interest over the life of the loan.
If your goal is to lower your payments to increase your monthly budget, you can extend the loan term to provide some cushion. If you struggle to keep up with high monthly payments, this is a good option as it will help you pay your bills on time without affecting your credit score.
Once you have been approved for your refinance and are ready to accept it, you can begin completing the refinance process. The lender will give you new loan documents to sign that show your new interest rate and term.
The financial institution of the new loan will pay off the original loan. Now that you have a new loan with a new lender, they can start making payments at your new rate.
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Ready to refinance? Whether you’re looking to lower your interest rate or lower your monthly car payments, we’re here to help.
Buying and Borrowing What is required for a business loan? Before you apply for a business loan, learn about the eligibility requirements and what it takes to qualify for a small business loan. You should know. Even if your credit union is not in this area, you can still use credit union services.. Safety and Security What is GAP and what does it cover? If you’re making car payments, guaranteed asset protection (GAP) is a type of coverage that can save you a ton of money if your car is lost or totaled. Let’s see what GAP is and what it entails. Whether you’re buying or refinancing a vehicle, we want to help simplify the process and save you money! Get pre-approved and enjoy low rates, flexible term options and an easy financial experience.
Car loans are great for new or used cars. Special rates for EVs and hybrid cars/trucks. No application fee. No prepayment penalty. 7,500% APR*. Tenure up to 84 months. See auto loans
Boat Loans Purchase or refinance a boat, motor or personal watercraft. No prepayment penalty. 7.750% APR*. 180 Months Boat Loan Tenure See
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Recreational Vehicles (RVs) Low interest rates on new/used RV purchases or refinancing. 7.750% APR*. Tenure up to 180 months. See Recreational Vehicles (RVs).
Motorcycle loans are suitable for new or used motorcycle/ATV/UTV. Special conditions. For Harley Davidsons. 7,500% APR*. Choose Makes.View for motorcycle loans up to $50,000
Get the best interest rate on every car! From cars and RVs to boats and motorcycles, whether the vehicle is new or used, you can save money on travel.
Make life easier with a pre-approved car loan! This will save time while shopping and help in price negotiations.
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Gas cars hurt the planet and your pocket. When choosing an electric or hybrid for your next road trip, we’ll help you save more than just gas with a special rate.
What is Safety and Security GAP and what does it include? If you’re making car payments, guaranteed asset protection (GAP) is a type of coverage that can save you a ton of money if your car is lost or totaled. Let’s see what GAP is and what it entails. Budgeting and Savings What is mechanical repair coverage? Mechanical repair cover can help ease the frustration of car problems by protecting against unexpected repair costs. 6 Budgeting and Saving Money Tips for Senators and Soldiers on Big Purchases These tips can help military personnel and veterans save money on big purchases like vehicles, homes, and education.
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Our SunMobile app lets you manage your finances quickly, safely and securely from the convenience of your smartphone or tablet. Whether you’re buying, financing, refinancing, insuring or protecting your car, it can help make life’s big purchases a little easier. Save money on low car loan rates and enjoy member service every step of the way.
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Big purchases can be intimidating. Therefore, we simplify the loan process. We work hard to offer the best savings through a hassle-free process.
Confirm in advance. Apply in person, over the phone or online. No application fee. No prepayment penalty. Other rates and terms available up to 84 months. For current model cars, the new one is set for 2023. Prices vary by period.
He understands that everyone has a different shopping style when it comes to buying a car. We are here to help you save money while buying a car safely. With our pre-approved loan options and contactless shopping and delivery, you can buy a car without even leaving your home.
An approved auto refinance can lower your monthly payments – just think how much better off you’d be if you made smaller payments each month. You can also get interest rates as low as 7.50% APR*! Higher interest rates will cost you more money over time, so refinancing your auto loan now can result in long-term savings.
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Get a pre-owned car at the best price at CU Auto Branch with a hassle-free car buying experience and excellent customer service. CU Auto Branch has been serving members for over 20 years!
You can make car payments online through our SunMobile app, automatic ACH payments, or payroll deduction. Here are instructions for each method. Track online payments, view and pay your account balances with Sunnet Online Banking. Mobile Payments Download our SunMobile app using your Apple iOS or Android device. Access credits from your account and make payments when you’re away or away from your computer. See ‘Pay Online’ option above as you need to login to your account via our website before accessing the mobile app. You can sign up for mobiles, make payments and view your credit score conveniently from your smartphone’s mobile wallet. ACH Automatic Payments By setting up automatic payments you know your payments are on time each month. You choose the amount and date to withdraw from your institution and your payments are made automatically for you. Payroll Deduction Making loan payments through payroll deduction is an easy way to pay off your loan while investing your wages.
Track, view and pay your account balance through SunNet Online Banking or the SunMobile app.
If you need to make payments using funds from another financial institution, you can set up one-time payments online without logging in.
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Still not set up with online banking? Call our Member Support Center to get a temporary PIN, then enter your account number (as shown on your membership card), create a password and get started!
Payment protection policies are offered to help you make your monthly loan payments if you become disabled due to injury or illness. Payment protection ensures that your loan balance is paid up to the maximum policy amount in case of disability or death. Payment Protection Provides: Loan life insurance up to $30,000 or your loan balance, whichever is less; This can be added to the loan payment. Protect yourself with credit impairment insurance
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