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Suncoast Credit Union Personal Loans Calculator & Overview

Carla Soto
Carla Soto
Updated 4 Sep 2023
Fact checked

Suncoast Credit Union logo

Suncoast Credit Union was formed in 1934 and is located in Tampa, Florida. This non-profit financial cooperative serves more than 1 million members and has assets of over $14.96 billion. They offer an array of products for consumers, including checking accounts, savings accounts, share certificates, loans, credit cards, and business banking services.

Taking out a loan, such as one from Suncoast Credit Union, can be a major financial decision. You must be able to clearly grasp the pros and cons including the total cost of the loan. Begin by calculating an estimate of your monthly payments. The Suncoast Credit Union personal loans calculator can assist you in determining this.

Personal loans have an annual percentage rate (APR) varying from around 3% to 36% APR. The interest rates you can receive will depend on a range of factors, such as your credit score, income, and debt-to-income ratio. On a loan of $10,000 over 5 years, the cost could vary between $10,781 and $21,680. The interest cost is between $781 and $11,680.

Personal loans from Suncoast Credit Union in a nutshell

Like other lenders, Suncoast Credit Union offers its own list of features and benefits. Look at the list below so you can determine if they fit your personal expectations and payment preferences:

Here is a roundup of the vital features and benefits of a personal loan from Suncoast Credit Union:

  • Loan amounts: maximum $50,000
  • Loan terms: up to 96 months
  • Loan fees: $0 application fee; $0 prepayment penalty
  • Interest rates: start at 10.00% APR

 

Requirements for a Suncoast Credit Union personal loan

A Suncoast Credit Union personal loan is only available to current members and employees. If you are not yet a member, there are different ways to join. Membership is available to anyone who:

  • Lives, works, worships, or attends school in Suncoast Credit Union recognized counties
  • Is a family member of a Suncoast Credit Union member
  • Is a current or former employee of Suncoast Credit Union recognized establishments, businesses, or institutions

There is no available information on borrower criteria for a Suncoast Credit Union personal loan. Typically, most lenders have a general expectation among potential loan applicants. These are the following:

  • You are at least 18 years old (provide a copy of your government-issued IDs such as certificate of citizenship, driver’s license, passport, or military ID)
  • You are a US resident (provide a copy of a recent utility bill, lease or rental agreement, or mortgage statement)
  • You have a good credit history – minimum of 600 is acceptable although 700 or higher is ideal.
  • You have a debt-to-income ratio of less than 40%
  • You have a valid and active bank account
  • You have proof of steady employment – provide a copy of paystubs, W-2s and 1099s, or an employer statement
  • If you have a business or a self-employed individual, provide income verification such as tax returns, bank statements, annuity statements

 

Suncoast Credit Union personal loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$20,000

Term

3 months

Change
Suncoast Credit Union

Suncoast Credit Union personal loans (Technology)

Suncoast Credit Union personal loans (Technology)
Estimated Month Repayments
$641 Inclusive of fees
Interest Rate
9.50%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$1,000
to $30,000
Go to site
rom debt consolidation and unexpected expenses to college education, vacations and everything in between - Suncoast has the personal loans to make cash flow a little easier.
Suncoast Credit Union

Suncoast Credit Union personal loans (Signature)

Suncoast Credit Union personal loans (Signature)
Estimated Month Repayments
$645 Inclusive of fees
Interest Rate
10.00%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$1,000
to $30,000
Go to site
rom debt consolidation and unexpected expenses to college education, vacations and everything in between - Suncoast has the personal loans to make cash flow a little easier.
Featured
Wells Fargo

Wells Fargo personal loans

Estimated Month Repayments
$606 Inclusive of fees
Interest Rate
5.74%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$3,000
to $10,000
Go to site
Checking and savings accounts and credit cards for your everyday business expenses and cash management.
Featured
Eastman Credit Union

Eastman Credit Union personal loans (Shared Secured Personal Loan)

Estimated Month Repayments
$848 Inclusive of fees
Interest Rate
29.90%
APR
Repayment Period
12 months
to 12 months
Loan Amounts
$1,000
to $20,000
Go to site
ECU offers extraordinary products & services that make life just a little easier.

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

 

Pros and cons of Suncoast Credit Union personal loans

Pro

  • High borrowing limit for qualified borrowers
  • No application fee
  • No prepayment penalty
  • No collateral

 

Cons

  • Minimum loan amount unclear
  • No discounts on automatic payments
  • No option for principal-only payments
  • No information on Skip-a-Pay option

Frequently asked questions

How much can I borrow from Suncoast Credit Union?

You can borrow up to $50,000 from Suncoast Credit Union.

What are the repayment terms for a Suncoast Credit Union personal loan?

Suncoast Credit Union offers personal loan terms up to 96 months (8 years).

How much does Suncoast Credit Union charge for its personal loans?

The personal loan rates from Suncoast Credit Union start at 10.00% APR.

How can I submit my application for a personal loan at Suncoast Credit Union?

Apply online, by phone, or visit any of Suncoast Credit Union branch locations.

What number do I need to call to ask about personal loans from Suncoast Credit Union?

You can call 813.621.7511 to find out more about Suncoast Credit Union personal loans.

Video: Suncoast keeps it simple

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Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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