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 5.24%
Apply Now

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!

Auto-buying services with Autoland

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

TruStage® Insurance: Save on car and home insurance through the TruStage® Auto & Home 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 12/19/2022

  • 36 Months
    36 Months Payment Terms1
    5.24% APR with Autopay2
    5.49% APR without Autopay2
    130% MSRP Advance Policy3
  • 48 Months
    48 Months Payment Terms1
    5.24% APR with Autopay2
    5.49% APR without Autopay2
    130% MSRP Advance Policy3
  • 60-66 Months
    60-66 Months Payment Terms1
    5.24% APR with Autopay2
    5.49% APR without Autopay2
    130% MSRP Advance Policy3
  • 72-78 Months
    72-78 Months Payment Terms1
    5.49% APR with Autopay2
    5.74% APR without Autopay2
    130% MSRP Advance Policy3
  • 84 Months
    84 Payment Terms1
    5.99% APR with Autopay2
    6.24% 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 (.25%). All APRs shown are calculated at a $10,000 loan amount.

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

Rates Effective 12/19/2022

  • 36 Months
    36 Months Payment Terms1
    5.49% APR with Autopay2
    5.74% APR without Autopay2
    130% RKBB/JDP Advance Policy3
  • 48 Months
    48 Months Payment Terms1
    5.49% APR with Autopay2
    5.74% APR without Autopay2
    130% RKBB/JDP Advance Policy3
  • 60-66 Months
    60-66 Months Payment Terms1
    5.49% APR with Autopay2
    5.74% APR without Autopay2
    130% RKBB/JDP Advance Policy3
  • 72-78 Months
    72-78 Months Payment Terms1
    5.74% APR with Autopay2
    5.99% APR without Autopay2
    130% RKBB/JDP Advance Policy3
  • 84 Months
    84 Months Payment Terms1
    6.24% APR with Autopay2
    6.49% 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 (.25%). All APRs shown are calculated at a $10,000 loan amount.

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

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

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Education Center

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

Take the Car Loans Course

 

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

Auto-Buying Services for Southland Members

Save time and money with an auto-buying service, courtesy of Southland! Whether you like to do all of your own research and comparisons, or you prefer to let someone else do all the work, we have a service for you.

Self-Service 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 with Autoland

Autoland does all the legwork – just tell us what new or used car you’re looking for, and we’ll take it from there. Through our expansive auto network, we have access to extensive inventory, giving us the buying power to find virtually any make and model at a great value. 

We’ll find your perfect car, negotiate preferred pricing, and secure all manufacturer incentives for you. If you need to find affordable financing, we can help with that too. All you’ll have to do is decide whether to take delivery of your vehicle at your home, office, or nearest financial institution branch. 

Call us, give us the details, and we’ll kick off the search for your car. Take advantage of this great, free service.

Start your search online, or call your Autoland Consultant at 562.862.6831 x 1707. We’ll help you find that special vehicle of your dreams!

Start your search with Autoland

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.

CONTACT US FOR A FREE QUOTE

TruStage® Auto & Home 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.