Vehicle Loans

Low rates on new and used Auto Loans

From cars to trucks, RVs, boats, personal watercraft and motorcycles, Southland vehicle loans put you in the driver's seat. We offer refinancing if you want to lower your rate from another lender and a variety of resources to help you find, purchase and protect your dream car. 

Purchase New and Used Auto Loans

Rates as low as 5.49% for new vehicles with Autopay.

Refinance your existing Auto Loan

Rates as low as 5.49% for new vehicles with Autopay.

Clean Energy Vehicle Loans

Receive a loan rate discount of .25% when you purchase a clean energy vehicle.

Lease Buyout

Purchase your leased vehicle with Southland and our partner, Lease Buyout Center.

Motorcycle Loans

Rates as low as 9.49% for new motorcycles or personal watercraft with Autopay.

Boat & RV Loans

Rates as low as 8.75% for new boats and recreational vehicles with Autopay.

Auto Loan Member Services

Insurance Options

Discounted rates on auto insurance, plus additional coverage to protect your vehicle and your loan.

Learn More

Car Buying Services

Save time with auto-buying services. Use our self-service tool or let a personal consultant do the work for you.

Learn More

Estimate Your Monthly Payment

Knowing your monthly payment is key managing your budget. Explore our loan calculators to find all the answers to make the right decision!

How much car can you afford?

36 Months
84 Months

Car Loans Course

Explore different ways to buy a car and calculate how much you should spend.

Take the interactive car loans course

Leasing vs. Buying

Should you lease or buy? Read our article to understand the differences and make the best decision for you.

Read Article

Frequently Asked Questions

How do I make a loan payment?

There are several easy ways to make a payment. Visit the Make a Payment page for details. 

Can I set up automatic payments for my auto loan?

Yes. Enjoy a 0.25% reduction in your interest rate for setting up Autopay from a Southland checking account

Can I refinance my auto loan from another financial institution? 

Yes. You may be able to lower your payment or save money with a lower interest rate by moving your Auto Loan to Southland. Apply online today! 

APR = Annual Percentage Rate. Autopay must be from a Credit Union Checking or Money Market Account to receive the deduction (.25%). All APRs shown are calculated at a $10,000 loan amount.  Loans are subject to credit and collateral qualification, other fees and conditions may apply. Rates are subject to change without notice. Other rates and advance policies may apply based on your individual credit profile. Vehicles valued over $20,000 can be financed up to 84 months (on approved credit); otherwise, maximum term is 78 months.