Car Loans

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

New Vehicle Loans

Rates as low as 5.74%
Apply Now

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.

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 Insurance (MBI), Guaranteed Asset Protection (GAP), Depreciation Protection (DPW) and Debt Protection



Benefits

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Low Rates

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Flexible Terms

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 Convenient Online Loan Application

Rates Effective 03/05/2025

  • 36 Months
    36 Months Payment Terms1
    5.74% APR with Autopay2
    5.99% APR without Autopay2
    130% MSRP Advance Policy3
  • 48 Months
    48 Months Payment Terms1
    5.74% APR with Autopay2
    5.99% APR without Autopay2
    130% MSRP Advance Policy3
  • 60-66 Months
    60-66 Months Payment Terms1
    5.74% APR with Autopay2
    5.99% APR without Autopay2
    130% MSRP Advance Policy3
  • 72-78 Months
    72-78 Months Payment Terms1
    5.99% APR with Autopay2
    6.24% APR without Autopay2
    130% MSRP Advance Policy3
  • 84 Months
    84 Payment Terms1
    6.49% APR with Autopay2
    6.74% 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 qualified Southland checking 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.

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

Rates Effective 03/05/2025

  • 36 Months
    36 Months Payment Terms1
    5.99% APR with Autopay2
    6.24% APR without Autopay2
    130% RKBB/JDP Advance Policy3
  • 48 Months
    48 Months Payment Terms1
    5.99% APR with Autopay2
    6.24% APR without Autopay2
    130% RKBB/JDP Advance Policy3
  • 60-66 Months
    60-66 Months Payment Terms1
    5.99% APR with Autopay2
    6.24% APR without Autopay2
    130% RKBB/JDP Advance Policy3
  • 72-78 Months
    72-78 Months Payment Terms1
    6.24% APR with Autopay2
    6.49% APR without Autopay2
    130% RKBB/JDP Advance Policy3
  • 84 Months
    84 Months Payment Terms1
    6.74% APR with Autopay2
    6.99% 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 qualified Southland checking 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.

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

Enjoy a full-service experience with Carscouts

Carscouts offers Members a hassle-free car buying experience with expert agents. 

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

Shop local dealerships online with AutoSMART

Search multiple dealer inventories to find new, used or certified pre-owned cars that fit your style and budget.

search online with AutoSmart 

Browse used vehicle inventory with Enterprise

Choose from thousands of cars, SUVs, trucks and vans in a wide range of makes and models, all with clear, transparent pricing.

Browse online with Enterprise

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 qualified Southland checking 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.