Loan Choices to Fulfill your Dreams
We’ll help you make the best loan choice to fit your budget! Receive great loan rates, quick funding, plus, the interest on your loan may be tax-deductible (please consult a professional tax advisor).
Personal Loans
Choose from a variety of personal loans to take a vacation, fund a college education, consolidate bills or get the money you need to enrich your life. Read more
Home Loans
Are you planning to purchase a new home, refinance or make improvements to your existing home? With low interest rates and flexible terms, your monthly payments are kept to a minimum. Read more
Auto & Recreational Vehicle Loans
If you’re thinking about a new or used car, truck, or recreational vehicle, you’ll find low rates and affordable options to get behind the wheel of your dreams. Read more
Personal Loans
Southland Credit Union offers personal loans for all your borrowing needs, with competitive fixed rates and a variety of terms to keep your monthly payments at a minimum.
Signature Loans
Apply Here—secure online form
Use your good credit history to get a low, fixed rate loan without collateral. A Signature Loan is ideal for special purchases, to refinance a higher-cost debt, vacation, taxes and other needs.
Today’s low rates & terms | Calculators | CreditReport.com
Lines of Credit (LOC)
Apply Here—secure online form
Do you need funds for home improvements, repairs, medical expenses, overdraft protection, and other needs? Draw cash as you need it from your available credit. Receive a low, fixed loan rate without collateral.
Today’s low rates & terms | Calculators | CreditReport.com
Certificate & Share Savings Loans
Apply Here—secure online form
Use your Southland certificate or share savings accounts as collateral and get the funds you need. Borrow one lump sum or choose a Line of Credit where you can get cash as you need it from your available credit.
- Receive access to your funds without penalty when Certificate proceeds are needed prior to maturity
- Earn Dividends on your Share Savings or Certificate Account during the loan
- Withdrawals can be made through Quickline, in person, eBranch and by check
Today’s low rates & terms | Calculators | CreditReport.com
Tax Saver Loans
Apply Here—secure online form
Enjoy a short application form, only a $100 application fee and four-day loan turn-around. Borrow up to $25,000 and keep your monthly payments to a minimum with up to 7-year repayment terms. Plus the interest on your loan may be tax deductible (please consult a professional tax advisor).
- No points!
- No appraisal fees!
- No title fees!
- No equity required!
Today’s low rates & terms | Calculators | CreditReport.com
Loan Insurance—Peace of mind for you and your family
Credit Life & Disability Insurance may be added to your monthly loan balance to pay off your loan in the event of a disability or death. You also have the option to cancel the insurance at any time. Protect your assets and your family. Read more
Home Loans
Home Loan Choices to Fulfill Your Dreams
Whether you want to refinance your variable rate home loan to a fixed rate, purchase a new home, or need cash for home improvements, we’ll help you make the best loan choice to fit your budget! Pay no up-front fees, receive quick funding, and a free 30-day rate lock. Plus, the interest on your loan may be tax-deductible (please consult a professional tax advisor).
Home Loan—Purchase Your Dream Home
Apply Here—secure online form
Whether you are purchasing a new
home or wish to switch your variable-rate
to a low fixed-rate loan, we have
the perfect loan to fit your budget.
Receive your low-rate home loan
funds quickly.
Today’s low rates and terms | Online Calculators | CreditReport.com
- Low interest rates
- 10 to 30-year fixed rate terms
- Adjustable Rate Mortgage (ARM) Loans
- Loans with little down payment
- Customization of each loan to fit your budget
*Loans are subject to eligibility.
Home Equity Loan Program (HELP) —Get Cash From Your Home’s Equity
Apply Here—secure online form
Need cash for a one time purchase,
property improvement, debt consolidation or other needs and
want the security of a fixed loan payment? A 2nd Trust Deed
Home Equity Loan is a great choice to get the cash you need
using your home’s available equity. Make monthly budgeting
easy with a no-point, low fixed-rate Southland loan. Your loan
interest is generally tax-deductible (see a professional tax
advisor for details).
Today’s low rates and terms | Online Calculators | CreditReport.com
- Low, fixed interest rates
- Fixed monthly payments
- 10 to 30-year fixed rate terms
- Equity Loans available up to 100% of your home’s equity—up to $750,000
- No prepayment penalties
Home Equity Line of Credit (HELOC)—Get
the cash you need when you need it.
Apply Here—secure online form
A Home Equity Line of Credit (HELOC) is a convenient way to
get cash for whatever you need by tapping into your home’s
available equity. Use your convenient HELOC Card to access your
revolving line of credit whenever you need to make a purchase.
Today’s low rates and terms | Online Calculators | CreditReport.com
- Credit lines available up to 100% of your home's equity—up to $250,000
- Credit lines available up to 80% of your home's equity—up to $500,000
- Flexible monthly payments
- Low adjustable rate
- Convenient access to your loan funds with HELOC Access Card
- Cash advances available any time, up to your available credit limit
- Interest paid may be tax-deductible (Please consult your tax
advisor)
*To qualify for the "19-Day Close Service Guarantee", Members must provide all documentation required in the time frames established. Nineteen days refers to the usual business days, does not include weekends or holidays, and begins the next business day after receiving completed application.
Auto & Recreational Vehicle Loans
New or Used Vehicle Loans
Apply
Here—secure online form
Minimal monthly payments, great rates & terms up to 7 years
Southland’s terrific rates and terms on new and used vehicles puts you in the driver’s seat! Select from a variety of options that best meet your lifestyle and budget.
- Receive loan approval within minutes
- Finance up to 100% of the purchase price, including tax, license and Mechanical Breakdown Insurance (MBI)
- Select repayment terms up to 7 years
- Shop confidently with a pre-approved loan
- Save an additional .25% on financing with automatic payments from your Southland Credit Union Checking Account
View Rates | Loan Calculator
Get your Auto Loan from Southland Credit Union while you’re at the Dealership
Our partnership with Credit Union Direct Lending (CUDL) gives you access to hundreds of dealerships to finance your vehicle with Southland Credit Union right at the dealership!
Visit any participating CUDL dealer, identify yourself as a Southland Credit Union Member, and request your Southland financing through the CUDL system—available 7am to midnight, 7 days a week, 365 days a year. View a list CUDL dealerships
New & Used Recreational Vehicles
Apply
Here—secure online form
You deserve to have some fun! Apply for a Southland Credit Union Recreational Vehicle Loan—with minimal monthly payments, low rates and flexible terms to enjoy that special ride.
- Boats
- Motor Homes
- Motorcycles
- RVs
- Travel Trailers
- And more!
View Rates | Loan Calculator
Additional Vehicle Services
Protect Your Auto Investment
- Guaranteed Asset Protection (GAP) If you’ve
had an accident or theft and your vehicle is considered a total
loss, the amount owed on your loan may be more than your insurance
settlement. Paying the difference could cost you thousands of
dollars.
Read more
- Mechanical Breakdown Protection (MBP) If your
car breaks down, not only is it inconvenient but your repairs
can be costly. As repairs continue to rise, choose to safeguard
your vehicle with Mechanical Breakdown Protection (MBP).
Read
more
- Credit Life & Disability
Insurance Protect
your assets and your family.
Choose Credit Life and Disability
Insurance and your loan balances
will be paid off in the event
of a disability or death.
Read more
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