Car Loans

Looking to purchase a new or used vehicle that fits your budget?

Southland's lower rates and longer terms on new and used vehicles can put you in the driver’s seat! Select from a variety of options that best meet your lifestyle. Southland has you covered.

New Vehicle Loans

Rates as low as 6.49%

Features

Better than a bank! Enjoy low credit union rates that save you money


Refinance your existing loan


Flexible terms for up to 84 months


New or used auto financing — it's your choice!


Self-serve and full service vehicle buying services


Loan insurance options include: Mechanical Breakdown Protection, GAP Coverage, Payment Protection


TruStage® Insurance: Save on car insurance through the TruStage® Insurance Program.**



Benefits

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Low Rates

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Flexible Terms

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 Convenient Online Loan Application

Rates Effective 12/15/2022

  • 36 Months
    36 Months Payment Terms1
    6.49% APR with Autopay2
    6.74% APR without Autopay2
    130% MSRP Advance Policy3
  • 48 Months
    48 Months Payment Terms1
    6.49% APR with Autopay2
    6.74% APR without Autopay2
    130% MSRP Advance Policy3
  • 60-66 Months
    60-66 Months Payment Terms1
    6.49% APR with Autopay2
    6.74% APR without Autopay2
    130% MSRP Advance Policy3
  • 72-78 Months
    72-78 Months Payment Terms1
    6.74% APR with Autopay2
    6.99% APR without Autopay2
    130% MSRP Advance Policy3
  • 84 Months
    84 Payment Terms1
    7.24% APR with Autopay2
    7.49% APR without Autopay2
    130% MSRP Advance Policy3

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.

1 Vehicles valued over $20,000 financed up to 84 months (on approved credit); otherwise, maximum term is 78 months.

2 APR = Annual Percentage Rate. Autopay must be from a Credit Union Checking or Money Market Account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. Members may qualify for the following additional loan rate discounts including: 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify; 0.25% rate discount for qualified electric/hybrid vehicles.

3MSRP=Manufacturer's Suggested Retail Price;  Wholesale=Wholesale Market Value.

Rates Effective 12/15/2022

  • 36 Months
    36 Months Payment Terms1
    6.74% APR with Autopay2
    6.99% APR without Autopay2
    130% RKBB/JDP Advance Policy3
  • 48 Months
    48 Months Payment Terms1
    6.74% APR with Autopay2
    6.99% APR without Autopay2
    130% RKBB/JDP Advance Policy3
  • 60-66 Months
    60-66 Months Payment Terms1
    6.74% APR with Autopay2
    6.99% APR without Autopay2
    130% RKBB/JDP Advance Policy3
  • 72-78 Months
    72-78 Months Payment Terms1
    6.99% APR with Autopay2
    7.24% APR without Autopay2
    130% RKBB/JDP Advance Policy3
  • 84 Months
    84 Months Payment Terms1
    7.49% APR with Autopay2
    7.74% APR without Autopay2
    130% RKBB/JDP Advance Policy3

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.

1Vehicles valued over $20,000 financed up to 84 months (on approved credit); otherwise, maximum term is 78 months.

2APR = Annual Percentage Rate. Autopay must be from a Credit Union Checking or Money Market Account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. Members may qualify for the following additional loan rate discounts including: 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify; 0.25% rate discount for qualified electric/hybrid vehicles.

3MSRP=Manufacturer's Suggested Retail Price;  Wholesale=Wholesale Market Value

 

Refinance your existing vehicle loan

If you're driving a late-model vehicle with a high interest rate, you may qualify for a lower auto loan rate from Southland. Put more money in your pocket with a lower rate and lower payment!  

Learn More About Refinance Options
 

Buyout your lease

We know that buying out your leased car can be confusing and stressful.

Lease Buyout Center and Southland Credit Union have streamlined the process for you. We'll do all the paperwork and secure your financing online with no office or dealership visits.

Let us put you in the driver's seat when buying out your leased car!

*Not all borrowers will qualify. Fees apply. Excludes Ford and Lincoln leases.

Start your lease buyout

Shop online with AutoSMART

When it comes to researching, locating and buying your next vehicle, nothing could be easier, quicker and more valuable than the online tools with AutoSMART. Search multiple dealer inventories to find the right car at the right price. Search thousands of new, used and certified pre-owned vehicles to find a car that matches your style and budget, or build your own car and receive quotes from local dealerships.

  • Find new or used vehicles
  • Compare models
  • Negotiate the best deals online
  • Locate dealers committed to giving you the best price
  • Check your trade-in's value

Start your search online today; we’ll help you find that special vehicle of your dreams!

Start your search with AutoSmart

Full-service auto buying with Carscouts

Carscouts promises an exceptional auto buying experience for Southland Credit Union Members. Experienced agents serve as your trusted advisors during the car buying process, sparing you the hassle of dealing with high-pressure salespeople and endless hours at the dealership. 

Carscouts can secure your preferred vehicle with customized features, packages and color combinations at discounted pricing. You can also contact Carscouts for vehicle selling services. 

To get started, call Carscouts at 877-450-6747. 

Protect Your Investments

 

Southland offers affordable loan insurance options for car loans, boat loans, personal loans and more.

MBP Coverage

Mechanical Breakdown Protection (MBP) helps ensure that the investment in your vehicle is protected, and reduces the possibility of out-of-pocket expenses when your vehicle suffers an unexpected mechanical failure.

GAP Coverage

Guaranteed Asset Protection (GAP) coverage is an optional car insurance coverage that helps pay off your auto loan if your car is totaled or stolen and you owe more than the cars depreciated value.

ConsumerSafe Debt Protection

Life is unpredictable. Take action to safeguard your family against a wide range of unexpected events that could leave you and your family scrambling to pay monthly bills.

TruStage® Auto Insurance Program

We've joined with a dedicated team of insurance professionals to bring you programs that provide discounted rates exclusively for credit union Members, with online services and 24/7 claims support.

Call to find out how much you can save:

 855-483-2149

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.

*APR = Annual Percentage Rate. Vehicles valued over $20,000 can finance up to 84 months; otherwise, maximum term is 78 months. Rate includes a .25% discount for Autopay from a Southland Checking or Money Market Account. Loans made subject to credit and vehicle qualification, other fees and conditions may apply. Rates are subject to change without notice. Membership is subject to eligibility. All new accounts will be verified through ChexSystems and are subject to credit approval.


**TruStage® Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by Southland Credit Union.