Vehicle Loans

Low rates and flexible terms

When you're ready to purchase a car or truck, let us help make the process as affordable, easy and pleasant as possible. We'll act as your trusted partner and may be able to save you thousands of dollars. Once you decide on a payment amount you can or want to afford, we will work with you throughout the process to finance the vehicle of your choice. We have excellent loan options and rates for not only new and used cars and trucks, but for motorcycles, boats, and recreational vehicles. In fact, we have a loan set up for just about any type of titled property you may wish to purchase.


To apply for an auto loan come into one of our branches, call 1-877-SunState, or fill out an online application.
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Automatic Loan Payments

When you take out a loan at SunState FCU, we give you the option of having payments automatically deducted from your share or share draft account.

Most SunState FCU loans can be set up on a weekly, biweekly, semimonthly or monthly schedule. You may choose which payment plan best fits your budget. Automatic loan payments are quick and easy to set up when the loan is opened. If your financial situation ever changes, just call a Member Service Representative and they will be happy to assist you with finding a new payment plan.

Making loan payments biweekly or semimonthly instead of monthly can also save you money over the term of the loan; the more frequent the payment, the less cumulative interest is paid over the life of the loan. Ask your Member Service Representative for more details about automatic loan payments.

Payment Protection

Help play it safe.

Whether you're taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because things happen…life happens.

Help play it safe with SunSecure*. SunSecure is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. Simple eligibility requirements help ease the enrollment process.

If a protected life event happens to you (and you’re a protected borrower or co-borrower on the loan), SunSecure will cancel or reduce repayment of your loan debt. Help lessen your worries, and your family’s worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

Call 352-381-5200 to ask about protecting your loans today.

*SunSecure is a debt protection product offered by SunState Federal Credit Union. Enrollment in this debt protection product is voluntary and not required to obtain a loan. Please contact a SunState FCU member service representative for additional information on benefit maximums, eligibility, limitations, and a copy of your contract.

Mechanical Breakdown Protection

Whether you are purchasing a new or used auto, SunState FCU has a Mechanical Breakdown Protection plan that is right for you.

In most cases, you will find our Mechanical Breakdown Protection covers more items for a longer time than most other plans. You will also find that Mechanical Breakdown Protection is more comprehensive than factory warranties.

The company that underwrites our Mechanical Breakdown Protection has been issuing policies for over 20 years.

Some of the features you receive when you purchase Mechanical Breakdown Protection from SunState FCU are:

  • Repair facilities can send the bill for authorized repairs directly to the insurance company.
  • You pay only a small deductible per breakdown with the standard policy.
  • Policies featuring no deductible are also available.
  • Repairs can be performed at any licensed repair facility in the U.S. or Canada.
  • You can choose from four levels of coverage.
  • You save money now because the dealer's service contract program just cannot compare to our superior coverage and low price.
  • You save money in the long run because it is the easiest way to protect yourself from expensive repairs.
  • You may be able to include the price in your total financing package.

See your Member Service Representative for complete details about Mechanical Breakdown Protection.

GAP Insurance

GAP insurance provides valuable protection during the early years of your vehicle's life if you have a loan.

If you expect to be “upside down” in your auto loan, meaning you owe more on the car or truck than it is worth, consider purchasing GAP loan insurance. GAP insurance is a very affordable way to protect yourself against having to come up with what could amount to thousands of dollars in the event of an unfortunate accident.

Many times, borrowers find themselves “upside down” in an auto loan for the first several months, if not years, after the auto was purchased. This is especially true with new auto purchases and purchases of higher-end, faster-depreciating used cars and trucks. Without GAP insurance, if the auto is totaled or stolen during this “upside down” period, the borrower will have to pay the deficiency balance. The deficiency balance is the difference between what the insurance company is willing to pay on the claim, and what is owed on the loan.

At SunState, we offer a very good and affordable GAP insurance product, and encourage all members who are “upside down” in their auto loans to take advantage of the peace of mind a GAP insurance plan offers. Please contact a SunState Member Service Representative for more information.

And our auto loan services don't stop with your purchase! We offer a convenient automated payment service - you can have your payment deducted from your account at preset intervals, so you never have to write a check to make a payment.

Purchasing and financing a car or truck, or any vehicle for that matter, really can be a pleasant and affordable experience...especially when you partner with SunState Federal Credit Union! Contact the credit union and let us start helping you today! And in case you didn't work with us on your current auto loan and aren't happy with the resulting payments, etc. - please give us a call and we may be able to work out a nice, affordable vehicle refinance package that's just right for you.