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Vehicle Buying Center

Vehicle buying made simple

Should I buy or refinance? What would be my monthly vehicle payment? What’s GAP insurance?

You have questions and we have answers.  Gain relevant insights and tips to make your vehicle buying experience simple.

Start exploring today. 

Shop with confidence

Know your buying power before you go. 

Estimate Your Vehicle Payment¹

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"I purchased a vehicle very recently and SCCU had the BEST interest rate of all other financial institutions."

Mike V.

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Helpful Articles

Why December is the Best Time to Buy a Car
December 1, 2023 By Space Coast Credit Union
In fact, it's one of the best times. Here's why.
Personal Loan vs. Auto Loan: Which is Right for You?
June 29, 2023 By Members' Watchdog
While generally an auto loan makes more financial sense, your situation may call for a personal loan. In this article, we’ll cover the pros and cons of each type of loan to help you decide.
What is Auto Loan GAP Insurance?
May 17, 2023 By Space Coast Credit Union
Find out what auto loan GAP insurance is, along with when and why it can be a real life saver.
The Florida Financing Guide to Motorcycle Loans
April 10, 2023 By Space Coast Credit Union
Whether you’re looking at buying a new or used motorcycle, this guide will cover all you need to know about financing one in Florida.
Car Loan Pre-Qualification vs. Pre-Approval: What is the Difference?
January 27, 2023 By Space Coast Credit Union
You may like to get a good sense of what you can afford, and financial institutions can help with that—by either pre-approving or pre-qualifying you for a certain dollar amount for the car loan.
How to Buy a New Car
October 28, 2022 By Space Coast Credit Union
See our step-by-step guide on how to buy a new car. Plus, we provide some expert tips to help you save while buying your new ride!
The Essential Guide to Car Loans: Everything You Need to Know
July 28, 2022 By Space Coast Credit Union
This is the ultimate guide to auto financing to help you get the best car loan at the best rate. Plus, we sprinkle in helpful tips about refinancing, GAP insurance, and more.
How Soon Can You Refinance a Car Loan?
June 9, 2022 By Space Coast Credit Union
If you’re unhappy with your current auto loan, you’re probably wondering how soon you can refinance to get a better deal.
Florida Guide to Financing an RV for Less
May 9, 2022 By Space Coast Credit Union
If you’re ready to make a used or new purchase for RVs, motorcycles, or boats, then you’re in the right place to learn more about getting the financing you need for your fun. 
How Do Auto Loan Pre-Approvals Work?
March 22, 2022 By Space Coast Credit Union
It’s a good idea to explore your financing options before shopping for vehicles to gear you up better for car-buying success, which usually begins with an auto loan pre-approval from a credible lender like SCCU.
60-month vs 72-month Auto Loan Comparison (+ the Pros and Cons of Each)
January 14, 2022 By Space Coast Credit Union
If you feel like you’ve come to a fork in the road while deciding between a 60- or 72-month auto loan, you’ve come to the right place. We're covering the pros and cons of both in this post to help you make a final decision.
Is it a Good Idea to Refinance Your Car Loan?
November 18, 2021 By Space Coast Credit Union
In many cases, people save more money in the long run after refinancing and end up with a better monthly auto loan payment. However, many other factors play a part in determining if it’s a good idea to refinance your car loan.
Tips for Applying for a Used Car Loan
October 26, 2021 By Space Coast Credit Union
Once you’ve decided to purchase a used car, here are seven steps you can take to streamline the process and help you get the best deal.
The Florida Financing Guide to New and Used Boat Loans
October 5, 2021 By Space Coast Credit Union
If you dream of enjoying the Florida waterways in a sailboat, powerboat, motorboat, cabin cruiser, or other boat type of choice, here’s what you should know about financing and the boat loan process. Fortunately, the purchase process is easier than you might think. We’ll take you through the entire process to help you find the best boat loan for you. 
How to Refinance a Car (+ When to Do It)
September 2, 2021 By Space Coast Credit Union
Refinancing a car involves replacing the current loan on your vehicle with a new loan that typically has more agreeable terms. This can take place with your current lender or with a different one. To help you navigate this process, we’re sharing the pros and cons of refinancing a vehicle, the steps involved in refinancing, and when it makes sense to do so.
Is it Better to Buy a New or Used Car?
August 20, 2021 By Jodie Kinley-Smith & Duane Daski
We’re in a strange economic time right now with many dealers having an extreme shortage of inventory due to a chip shortage. Chips, or semiconductors, play an essential role in managing vehicles’ safety devices, engine functions, and more. Because of the pandemic, U.S. automakers had to close factories to slow the spread of the virus and cancelled chip orders, expecting fewer people to buy. 
What are Common Car Loan Terms?
August 5, 2021 By Space Coast Credit Union
Do you feel like your brain’s dissolving into Jell-O as you’re exploring car loan repayment periods? It can feel overwhelming as you’re weighing the pros and cons between short-term and long-term loans. Common car loan terms usually range between 24 and 84 months—but which one is right for you?
How to Make Your Loan Payment
April 1, 2021 By Space Coast Credit Union
SCCU’s loan payment process is designed to be as quick and convenient as possible, saving you two of the things you care about most – time and money.
SCCU’s Five-Minute Guide to Buying a Boat
March 12, 2020 By Gary Prager
Summer is here and there’s no better time to enjoy Florida’s great outdoors.
SCCU’s Five-Minute Guide to Buying an RV
May 11, 2017 By Space Coast Credit Union
There’s a lot to know before you set foot on a lot. The more you research now, the better things will go.
Leasing Vs. Buying a Car
February 8, 2017 By Space Coast Credit Union
The decision to lease or buy a car is a personal one. Don't let the dealer make it for you.
7 Things to Do Before Your Next Road Trip
July 1, 2016 By Tim Alexander
One of life's greatest pleasures can be a summer road trip to your favorite vacation destination.

APR = Annual Percentage Rate
¹CALCULATOR: The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.
²TERMS: Terms available up to 84 months for auto loan purchases and auto loan refinances, up to 240 months for boat and RV loan purchases, and up to 72 months for motorcycle loan purchases 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.
³RATES: 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. Rates shown for auto purchases/auto refinances are fixed Annual Percentage Rates for vehicle model years 2024 and newer. Rates shown for motorcycle purchases are fixed Annual Percentage Rates for vehicle model years 2021-2025. Florida loans are subject to Documentary Stamp Tax. The tax amount is not included in the quoted APR.