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Banca en línea - Usuario

Pre-aprobación de Préstamos de Auto

Siéntase el conductor antes de sentarse en su nuevo auto

Así como si estuviera empezando a pensar en ello, continua comprando, o ya sabe lo que quiere, ¡estar pre-aprobado con un préstamo de auto de SCCU lo pondrá en el volante de su nuevo auto antes de lo que se imagina! Nuestras tasas reducidas y un rápido proceso de pre-aprobación le proporcionará la tranquilidad de saber lo que puede permitirse y la cantidad que debe destinar hacia sus pagos mensuales. ¡Entre al concesionario con confianza con una pre-aprobación de auto de SCCU!
 
Aplique Ahora

Beneficios de un préstamo de auto

Auto Loan Purchase Interest Rates

Fecha disponible: mayo 03, 2021
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Período de pago Purchase APR* "As Low As" Cantidad mínima del préstamo Payment per $1,000
Up to 36 meses 1.89% Sin mínimo para cantidad del préstamo $28.59
Up to 48 meses 3.24% Sin mínimo para cantidad del préstamo $22.24
Up to 60 meses 3.24% $10,000 $18.08
Up to 66 meses 3.39% $10,000 $16.63
Up to 72 meses 3.54% $12,000 $15.44
Up to 75 meses 4.09% $15,000 $15.13
Up to 78 meses 4.39% $20,000 $14.76
Up to 84 Months 4.79% $25,000 $14.04
Rates shown are fixed Annual Percentage Rates for vehicle model years 2021 and newer. Rates are subject to change. Your actual rate and terms are affected by your creditworthiness, term selected, vehicle type, and model year. Certain restrictions apply. You may be asked to furnish a down payment. Florida loans are subject to Documentary Stamp Tax. The tax amount is not included in the quoted APR.

Preguntas Frecuentes

You may be able to get car loan pre-approval from a dealership, but you will be limited to buying from that dealership and you may be limited by the terms that the dealer offers. With an auto loan pre-approval from SCCU, you're free to shop at any dealership in Florida! That means you can shop around and find the most car for your money

You don't have to already be a member of SCCU to take advantage of our auto loan pre-approval process! Should you ultimately qualify for a loan on a new or used car with us, we will process both your car loan application and your new SCCU membership application at the same time, which gives you access to the full range of SCCU membership benefits.

A pre-approval is not a binding commitment from a lender that it will give you a loan. Pre-approval is an interim step to final approval that lets you know how much you can afford and that gives you information that a dealership or other seller views as proof of your ability to get financing. Only a loan approval is a guarantee that you will get the loan, but pre-approval from a reputable lender such as SCCU is an excellent indication to sellers that you are a good candidate for receiving a loan for a specified amount. Being pre-approved can strengthen your buying power and help you stay on budget.
 

Aunque se requiera durante la aplicación de un préstamo oficial, el pago inicial no es necesario para iniciar el proceso de pre-aprobación/ pre-concesión. Sin embargo, debería considerar la cantidad que desea abonar como pago inicial al planificar la cantidad que desea financiar.
 

La pre-aprobación/ pre-concesión de préstamos para automóviles es una opción que ofrecen muchos prestamistas financieros para la compra de automóviles. El proceso de pre-aprobación/ pre-concesión permite a los posibles compradores de automóviles averiguar cuál es presupuesto del que disponen para destinar a la compra de su auto, qué programas específicos de préstamos para automóviles tienen disponibles a su alcance, y cuál es la tasa de interés en última instancia cuando reciben el préstamo. En SCCU, facilitamos la pre-aprobación/ pre-concesión: puede presentar su solicitud en línea, llamarnos al 800-447-7228 o visitar la sucursal más cercana de SCCU. Una vez que su crédito haya sido pre-aprobado/ pre-concedido y encuentre el automóvil o camioneta que desee comprar, el proceso es simple: el concesionario enviará por fax una orden de compra a SCCU, más adelante, cuando sea el momento de recibir su préstamo, le ofrecemos la conveniencia de obtener el mismo en línea a través de Express Sign.

SCCU makes auto loan pre-approval fast and simple. You can get pre-approved in just minutes, either online or by calling us:
  • Brevard: 321-752-2222
  • Broward: 954-704-5000
  • Miami-Date: 305-882-5000
  • All other areas: 800-447-7228
 And after you've found the car you want at the price you can afford, you can even close your new auto loan online with our convenient Express Sign online. It's free, fast and secure.
 


En SCCU, los préstamos de auto pre-aprobados/ pre-concedidos tienen una duración de 30 días. En el caso de necesitar una extensión pasado este periodo, por favor póngase en contacto con nosotros.

Although there is no requirement to get pre-approval from a lender before you purchase a new or used car, we recommend it! There are a number of advantages to being pre-approved, including knowing exactly how much you can afford to spend on a new or used car or truck and having a stronger negotiating position with sellers. Being pre-approved can help you as you research the types of cars you're interested in, letting you narrow down your choices to the models, model years, and features that you know are within your pre-approved loan amount. In effect, car loan pre-approval makes you a "cash" buyer in the eyes of sellers, so it's a smart way to shop for your next vehicle.
 

Pre-qualification can be a first step toward understanding how much car you can afford, and what your payments and interest rate may be, but it does not include the critical steps of having your credit report and other financial information reviewed, which is part of the pre-approval process. The pre-approved auto loan process can bring you closer to a loan offer than pre-qualification, and sellers or dealerships will know that you are a good candidate for obtaining a loan for a certain amount when you have pre-approval in hand. At SCCU, we make the car loan pre-approval process fast, simple and easy to understand. Contact us if you have questions about pre-approval vs. pre-qualification or, if you're ready to get started on becoming pre-approved for an auto loan, apply online now!
 

Getting pre-approved for an SCCU auto loan does affect your credit score. Here's why: Lenders can make what's referred to as a "hard" credit inquiry or a "soft" one. Hard credit inquiries are done when a formal application for credit has been made with a credit union, auto dealer, bank, or other type of lender. The lender will contact one or more of the credit bureaus to get your score and your credit report, and such contacts are tracked by the credit bureaus. Although there are exceptions, a high number of these inquiries on your record may be taken as a negative sign, which can lower your credit score. A soft inquiry, on the other hand, is made by a lender that's checking your credit before the formal loan process is executed. Our process for a pre-approved car loan is an example of a hard inquiry, and it's done to gauge how likely a prospective buyer is to qualify for a loan.