Refinance Your Auto/Vehicle Loan with Another Lender at SCCU

How did members rate this product?

Recommend SCCU

4.82

Ease

4.81

Responsiveness

4.77

Rate

4.64

Time

4.66

(Out of 248 member reviews)

Watchdog Label

Get the lower payment you wanted in the first place. Refinancing an auto, boat, or RV loan you have with another lender is a smart, fast move – and it won't cost you a cent.

Best Choice If:

SCCU's Auto Loans allow you to get pre-approved before you buy a car, truck, boat, or other vehicle, with great rates and features, including:

  • Financing for New & Used Vehicles
  • Rates as low as 4.74% APR1
  • Terms up to 84 months (availability depends on vehicle, model year, and other criteria)2
  • Up to 90-day deferred payment option3
  • No application fee
  • Phone and online application available 24 hours, 7 days a week
  • Fast approvals (most in less than 10 minutes)
  • You can purchase GAP and/or Warranty coverage when you refinance
  • Use your Debit and Credit ScoreCard Rewards to reduce your loan amount
  • Get a free CARFAX Lemon Check on pre-owned vehicles before you buy
  • Motorcycle, Boat, RV, and ATV loans available
  • Financing for purchases from individual (vs. a dealership)
  • FREE Online Banking
  • FREE Online Statements
  • FREE 24-hour Member Service Center - talk to a person anytime!
  • One statement for all your accounts

Rates

Read real reviews from real SCCU members about their auto loans! Only members with this product are invited to provide their comments and ratings.

Recommendation Rating

William T

5/16/2009 3:19 PM

5 Stars

It went very well

Norma T

5/16/2009 12:46 AM

5 Stars

Everything was perfect. We called on the phone and that afternoon we signed.

Bill O

5/14/2009 2:04 AM

5 Stars

Better coordination on the closing time.

Dean W

5/13/2009 2:06 PM

5 Stars

Being from out of the area, communications were conducted via phone/E-mail. Took some time to get approved, because of some communiction errors. Every thing was perfect except for the communication problems.

Randy F

4/30/2009 12:30 AM

5 Stars

In opening my new accounts and refinancing our car loan,all personal were very helpful! So far I am very pleased with SCCU.

LINDA L

4/24/2009 2:30 AM

5 Stars

It was a pleasure doing business with a company who actually cares about the customer.

Patricia L

4/23/2009 1:42 PM

5 Stars

Couldn't have asked for a better experience, Thanks! Plus, I got Gap coverage which is what really interested me in the first place, all for the same as I was paying thru the dealership!

Name Withheld L

3/30/2009 11:05 PM

5 Stars

It went fast and friendly and I was very pleased However I had problems trying to get the cycle refinanced the same way and was turned down Not happy about that one

Sandra S

3/20/2009 7:57 PM

5 Stars

In all my dealings with sccu, I have always encountered the most knowledgeable and courteous representatives............ more so than in some of our larger area banks !!

Kurt B

3/2/2009 1:33 AM

5 Stars

fasted refinance I have ever done for a car.

Stephanie B

2/28/2009 2:32 AM

5 Stars

payment went down by 22.00 a month

David G

2/27/2009 2:31 AM

5 Stars

Get a lower intrest rate

Brian W

2/26/2009 8:17 PM

5 Stars

We were completely satisfied with the service we received and the courtesy of your phone staff and your staff at the West Melbourne WalMart.

Barbara H

2/26/2009 7:55 PM

5 Stars

I was really surprised at how quickly this was handled.

George P

2/26/2009 6:49 PM

5 Stars

Given the fact that I am in the DC area, and the car being refinanced is titled in Maryland, I am impressed that all the necessary details were handled skillfully and successfully.

David R

2/26/2009 5:24 PM

5 Stars

Everything was great! Very friendly and helpful

Jeanne D

2/26/2009 4:59 PM

5 Stars

The staff was well informed and always provided the correct information. They wanted to help: can not get better for this customer. Thank you.

Charles D

2/26/2009 4:33 PM

5 Stars

I would recommend SCCU to anyone- all the employees were helpful, friendly and businesslike.

Ernest S

2/1/2009 4:46 PM

4 Stars

kept playing telephone with the key person I needed to work with so it took several weeks to close on the refinancing. thank you for offering better rates than what I had with USAA and the $ you gave away came in handy for the holidays :)

William A

1/31/2009 1:37 AM

5 Stars

Great experience, will do it again

Pat Z

1/29/2009 11:17 AM

5 Stars

A big selling point for me was the ability to transfer funds from my checking account to my auto loan on-line. There was no electronic payment option at my previous lender. Now, I am saving time; and, I am not spending on stamps, envelopes etc

Tom S

1/29/2009 1:40 AM

5 Stars

Very easy experience. Great customer service and follow up. Thank you!

Susan S

1/28/2009 8:13 PM

5 Stars

I completed my transaction by phone and mail, but the process was not as cumbersome as I thought it would be.

Sharon T

1/28/2009 12:49 AM

5 Stars

All was handled efficiently and expediently.

Frederick M

1/28/2009 3:15 AM

5 Stars

fast, easy, professional.

chris c

1/28/2009 1:59 AM

5 Stars

I had to message SCCU and was told I did not qualify. Phone call inquiry said I was qualified to receive $75.

Joseph L

12/30/2008 1:59 PM

5 Stars

I am very pleased with my new auto loans. You have exceeded my expectations in all your services for many years.

Max Z

12/22/2008 9:59 PM

5 Stars

Fast, Easy, I couldnt have been more happy

Andrew B

12/22/2008 2:08 AM

5 Stars

Next day after closing on my refi you started up to 200.00 cash back promo. I would have like to have participated in that. Missing that by one day was a disappointment. I could have used the extra money

W R L

12/21/2008 12:55 AM

5 Stars

Great job and I appreciate all that was done!

Johnnie C

12/18/2008 7:09 PM

5 Stars

So, far you guys are exceeding my expectations!

Isaac M

12/18/2008 3:06 PM

5 Stars

The loan was quick, well prepared and handled in a professional manner.

Carlos D

12/18/2008 1:37 PM

5 Stars

Overall, all people were very nice, especially Katie Civita.

Domenic F

12/18/2008 1:28 PM

5 Stars

Staff was professional, courteous, and efficient. A+ for customer service.

teresa C

12/18/2008 3:010 AM

5 Stars

Everything was great!

Rhonda O

12/18/2008 12:40 AM

5 Stars

The employees who assisted me did a very good job & were able to answer any questions I had. If they did not know the answer to the question, they asked their superior for me.

Michael L

12/17/2008 9:03 PM

5 Stars

Employee was both courteous and respectful. She knew exactly how to get from point A to B. The whole experience was postive.

norman d

12/17/2008 8:40 PM

5 Stars

SCCU added gap insurance on to the loan without discussing with me and i did not request it. Should not have been. I still have not received my check for $150.00 for switching my loan

jennie s

12/4/2008 12:08 AM

5 Stars

everything was fine and everyone was helpful and the process was quick

Sandra P

11/21/2008 6:45 PM

5 Stars

there was some confusion when we showed up to close--paperwork wasn't there and was incorrect when the person at the branch received it, but everything was fixed to our satisfaction

Mella B

11/19/2008 10:02 PM

5 Stars

The loan process was quick and easy. I had to talk to a teller to get online access and she was quick, polite, and answered all my questions.

Michael M

10/13/2008 12:25 AM

5 Stars

Employees were very friendly and knowledgeable.

Joan C

10/11/2008 2:53 PM

1 Stars

EXPLAINED THE HIDDEN INS. COST, NOT CALLED ME A WEEK LATER AND SAID NEEDED ANOTHER PIECE OF PAPER SIGNED. LET ME KNOW THAT THE PAYMENT WAS EFT. LOST MY HUSBANDS PAPER FOR A WEEK ON HIS REFI AND NEVER SENT THE PAYMENT OUT TO PAYOFF HIS TRUCK!

ALEXIS B

10/11/2008 11:010 AM

5 Stars

The process was painless.

Bill H

10/10/2008 4:56 PM

4 Stars

All of the staff was very helpful And friendly.

Amy A

10/7/2008 2:38 PM

5 Stars

Jason was very helpful and I would recommend anyone to use him.

Mindy C

9/24/2008 12:07 AM

5 Stars

HAVING SHOPPED AROUND SCCU GAVE ME A FAR BETTER RATE.

WALLACE L

9/23/2008 9:32 PM

5 Stars

After Closing the loan, I forgot a couple questions. They were answered promptly over the phone.

Daniel D

9/23/2008 7:03 PM

5 Stars

I like it when I get a smile from the employees. That is the first think I look for. They are free. Makes people more at ease and comfortable.

Anthony T

9/23/2008 4:33 PM

5 Stars

Very Satisfied

Michael M

8/22/2008 1:38 PM

5 Stars

Overall extremely impressed and satisfied.

KRISTINA M

7/15/2008 3:14 PM

5 Stars

This was the simplest auto loan that I have ever done.

Farris R

7/13/2008 8:49 PM

5 Stars

I had no difficulty with sccu; however the payoff company was a nite mare. After numerous going back and forth between companies; a sccu rep took over and called the payoff company for me. Hopefully this matter is finally settled, thanks to the sccu employee (rebecca) who went above and beyond.

DEBORAH C

7/12/2008 7:35 PM

5 Stars

process was simple and easy to understand

f. k

7/12/2008 5:03 PM

5 Stars

Claire of your Deltona branch was my contact and she could not have made me feel more comfortable or at ease during the process. Easy, quick and fair to the customer. Your a credit to the banking industry. All other banks should look to you for the proper way of dealing with customers. You are aqn assit to the community.

Ronald W

7/11/2008 12:14 AM

4 Stars

The process went smoothly.

Michelle L

7/6/2008 2:39 PM

5 Stars

I am very pleased with the ease and timely manner of our autoloan from sccu. we made a phone call and then was told to go to our choice of branch offices and they also stayed late until we were able to arrive to sign paper work. It was the easiest time ever getting a loan.

James & Penny M

6/21/2008 11:22 PM

5 Stars

I was extremely happy with the service I received when I refinanced both of our auto loans. We were able to reduce the monthly payments on both cars while shortening both loan terms and lowering both interest rate.s The SCCU representative was very helpful and patient with me despite all of my questions. I selected SCCU for refinancing for two reasons. One was to consolidate all of my banking at SCCU because I have found no other financial institution that is more customer oriented. The other reason was because the SCCU representative I spoke with was informative without being pushy.

Susan W

6/14/2008 10:16 AM

5 Stars

Jason was very helpful- he offered to review all of my loans and reduced all of my interest rates

Laurie F

5/11/2008 1:27 PM

5 Stars

the customer service person (female) who closed my loan was extremely professional, very cordial and business like and quite patient while explaning the entire procedure. you are fortunate to have such a valuable employee.

james J

5/9/2008 9:57 PM

5 Stars

I was told I would get $150 to refinance, I still have not received the money.

Marcus S

5/9/2008 6:54 PM

5 Stars

Everyone I have ever spoke to on the phone or in person has been very personable and polite.

Cynthia S

5/8/2008 9:41 PM

5 Stars

Refinancing my car at Space Coast was easier this time. I was really happy with the representative who called me (very friendly) and the personnel I dealt with at the bank during signing. The CU did all the work. Wish everything was this easy and no red tape at all! Thank you for everything.

Shanna S

5/8/2008 5:47 PM

5 Stars

Jennifer was a great help.

Penelope M

5/8/2008 1:54 PM

5 Stars

Very satisfied with your service. Only drawback is location. I am three plus hours away, BUT you did the transaction by mail. What more could I ask for!!! Thank you.

RK A.

4/28/2008 10:27 PM

4 Stars

have no complaints with service only trouble was with warranty co.

Elsie L

4/28/2008 3:09 PM

4 Stars

I do want to say, however, that all the people I dealt with were personable with the exception of one in the Fort Worth office. But the most frustrating thing was not being able to get to the same person twice when calling, even though that person gave me his/her extension, thus having to relate the whole story each time I called.

James C

4/16/2008 1:54 PM

5 Stars

I was promised a $100 deposit to my savings account but I have not seen it yet. It has been 4 weeks since closing.

Anthony B

4/15/2008 12:27 AM

4 Stars

Overall, it was a positive experience, but a little thin on follow-up. Basically, once I got the loan, I heard nothing from SCCU until I got my bank statement. At the least, I would have expected a written acknowledgment of our newly established relationship.

Richard B

4/15/2008 11:58 AM

5 Stars

I must say that the staff at CECU are no where as loan savvy as the staff at SCCU, based on personal experience with both CU's.

Scott R

4/15/2008 3:41 AM

5 Stars

Everyone i spoke to was very helpful and took care of my needs through the entire process.

Patricia W

4/15/2008 12:53 AM

5 Stars

The gentleman I worked with at the US 1 branch in Rockledge was very helpful and pleasant. I enjoyed the experience and liked that I could handle the paperwork on a lunch hour.

Linda R

4/14/2008 9:51 PM

5 Stars

Working with Jennifer was a wonderful experience. She is knowledgeable and goes above and beyond to help achieve what is best for the member.

Rexford M

4/14/2008 5:25 PM

5 Stars

Excellent and painless process. I would recommend to anyone who is paying a high interest rate, that thay take the time to get a quote from SCCU.

christina T

4/7/2008 8:03 PM

5 Stars

I liked the customer service a lot! The rate is good, too!

Kari h

3/25/2008 12:58 AM

5 Stars

Chris, the associate that I spoke to on the phone, was very helpful and friendly.

Kimberly B

3/20/2008 1:48 PM

5 Stars

I refinanced my Hyundai Santa Fe with Space Coast last month. It was a great experience. Very Easy, Very Quick. My new loan saves me almost $50 a month and shaved two months off the life of my loan. That's thousands of dollars in savings. Thank you SCCU!

christina V

3/19/2008 6:36 PM

5 Stars

Gina in the orange city branch went over and beyond to help me, she was great

Michelle q

3/19/2008 2:58 PM

5 Stars

The customer service representative that i worked with on my re-financing with Space Coast Credit Union was extremely pleasant to work with and she answered all my questions to my satisfaction. In the future if i ever need an Auto Loan, i would definitely work with Space Coast Credit Union again.

Nancy S

3/19/2008 2:27 PM

5 Stars

So far, everything we have done at SCCU has been satisfactory. We have almost everything there from Savings to checking and our Mortgage and our vehicles. We are very happy with SCCU.

Blanche M

3/19/2008 10:44 AM

5 Stars

I am sorry to say that I have forgotten the name of the branch manager on Barnes in Rockledge, but after having some miss communications with the a teller or two she stepped in and went the extra mile to make sure that everything was right (which it wasn't) and talked to several people on the phone to correct the issues. I would recommend her to anyone that I come in contact with.

Rebecca W

3/18/2008 2:02 AM

5 Stars

SCCU was incredibly wonderful to work with. I felt valued as a customer and they went out of their way to make the experience as easy as possible. I recommend SCCU to my co-workers, family and friends all the time. If anyone mentions they might be trading cars I speak up and say better go to SCCU for your financing! You will be glad you did!

Priscilla O

3/18/2008 1:57 AM

5 Stars

am paying a few dollars more, but I have a bit more coverage with my gap insurance. I have told my friends about SCCU and they have checked for their own needs.

Monica H

3/18/2008 1:15 AM

5 Stars

Everythis met my specifications

MICHAEL S

3/18/2008 12:45 AM

5 Stars

KELLY MY REP WAS TRULY EXCELLENT AND EVEN UPGRADED MY SCCU CREDIT CARD TO A PLATINUM VISA AT THE SAME TIME. I DID NOT EXPECT SUCH SUPERIOR SERVICE FROM SCCU.

Kimberly M

3/17/2008 9:46 PM

5 Stars

N/A

Jon M

3/17/2008 9:27 PM

5 Stars

I am very pleased with the service I have been provided with so far.

Heather S

3/17/2008 8:23 PM

5 Stars

I called to check rates and was ably to apply on the phone and all I had to do was go to the nearest branch to sign papers, what a great way to save time

Brian H

3/17/2008 8:03 PM

5 Stars

Everything was a breeze, Both the girls that I had spoke with on the phone were friendly and outgoing. I got to the bank and the papers were ready for me to sign.. I was in and out within 15 minuets.

Gerald R

3/17/2008 1:53 PM

5 Stars

Nothing.........We had a great experience changig our loan over.Fast and easy.

Patricia F

3/17/2008 1:36 PM

5 Stars

Nothing the transaction went very smooth.

Joshua S

2/20/2008 6:07 PM

5 Stars

The process was fairly quick and easy, I would recommend SCCU to friends and family.

Jack G

2/20/2008 5:06 PM

5 Stars

Agens were quite cheerful and eager to please.

Beverly & John L

2/11/2008 3:25 PM

4 Stars

could have sent the paperwork to the correct office to close the loan

Amanda P

1/26/2008 9:00 PM

5 Stars

This was the easiest loan I have ever gotten.

Lori F

1/25/2008 12:26 AM

5 Stars

The only thing I can say could have been beter was having one person do it all the same day. Now that's impossible so there's nothing wrong with this wheel, keep doing what your doing and taking care of our communities with good service and affordable rates.

Rebecca O

1/17/2008 4:29 PM

5 Stars

My husband and I were so impressed with the quick friendly service and the professionalism of all of the Space Coast Credit Union employees we worked with to transfer both of our car loans to SCCU accounts. On the way out to the car he asked me....Why don't we have our second mortgage with them too???

Joanne P

1/10/2008 12:59 AM

5 Stars

Not only did I get a lower rate, I also refinance my 2nd mortgage, lower and FIXED my rate, and everything was done within a 48 hour turn-around time. I would definite recommend Space Coast to anyone who wants the simplified loan experience! They even offer the opportunity to see your account on-line AND send daily updates on your balances!

Neal T

12/19/2007 7:17 PM

4 Stars

Overall great rates

c g

12/17/2007 1:23 PM

5 Stars

have not received the statement for december yet. pd payment without statement.

Barbara k

12/13/2007 2:02 PM

5 Stars

Not a thing! You made it convenient, quick and easy!

Cheryl M

12/11/2007 3:42 PM

3 Stars

i do not like paying or viewing my account on line. do not always have internet access.

Debra J

12/10/2007 5:19 PM

5 Stars

The customer service was exceptional and I received an extra cash bonus that was not expected. My original car loan was with another bank which the dealership selected and was very pleased when I learned how easy it was to transfer the loan to Space Coast Credit Union with a lower rate.

Vicky F

12/6/2007 6:25 PM

5 Stars

Everything was taken care of in a timely and professional manner. I am very satisfied.

Chris M

12/6/2007 12:18 AM

5 Stars

SCCU is a conservative and reasonable institution.

Apply for an Auto/Vehicle Loan

There are three easy ways to apply the next time you buy!

  1. By Phone Anytime

    Contact an Express Services Associate to complete an application over the phone – it only takes 10 minutes! Auto/vehicle loan services are available 24-hours a day, 7 days a week.

    Brevard: 321-752-2222, option 3
    Toll Free: 800-447-7228, option 3

  2. Online

    Complete the online application and an Associate will contact you to complete the process.

  3. At Any Branch

    Visit any of SCCU's 32 convenient branch locations. You'll speak to an Express Services Associate using the in-branch phone located in a private Express Booth, and can complete all of the paperwork with your Branch Member Service Specialist immediately after your call.

1RATES: Rates current as of 10/3/08 and 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 84 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 PROGRAM: Optional. Interest accrues from date of contract. Qualified borrowers only. First payment may be deferred up to 90 days and is dependant upon when your loan closes, yours may be 90 days or less.