Lower your payment by refinancing your auto loan with Southland
Ready to lower your rate?
Refinance your new or used car with a low rate from Southland Credit Union. Put more money in your pocket with a lower rate and lower payment! By financing with your local credit union, you have access to additional benefits like flexible terms and insurance options.
Low Rates
Flexible Terms
Convenient Online Loan Application
No refinance fees
Refinance New
Your vehicle qualifies for new rates if it is a current year car with less than 5,000 miles, or a previous year car that has never been registered with less than 5,000 miles.
Rates Effective 03/05/2025
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.
Refinance Used
Your vehicle qualifies for used rate financing if the car has more than 5,000 miles, has been previously registered, and is 7 years old or less.
Rates Effective 03/05/2025
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