Auto Loan Refinance

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.

Rates Effective 07/24/2020

  • 36 Months
    36 Months Payment Terms1
    2.99% APR with Autopay2
    3.24% APR without Autopay2
    $29.08 Payment/$1,000
    130% MSRP Advance Policy3
  • 48 Months
    48 Months Payment Terms1
    2.99% APR with Autopay2
    3.24% APR without Autopay2
    $22.13 Payment/$1,000
    130% MSRP Advance Policy3
  • 60-66 Months
    60-66 Months Payment Terms1
    2.99% APR with Autopay2
    3.24% APR without Autopay2
    $17.96 Payment/$1,000
    130% MSRP Advance Policy3
  • 72-78 Months
    72-78 Months Payment Terms1
    3.24% APR with Autopay2
    3.49% APR without Autopay2
    $15.30 Payment/$1,000
    130% MSRP Advance Policy3
  • 84 Months
    84 Payment Terms1
    3.74% APR with Autopay2
    3.99% APR without Autopay2
    $13.55 Payment/$1,000
    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 $25,000 financed up to 84 months (on approved credit); otherwise, maximum term is 72 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; RNADA=Retail National Automotive Dealers Association; Wholesale=Wholesale Market Value.

Refinance Used

Your vehicle qualifies for used rate financing if the car is a 2014 model or later. 

Rates Effective 07/24/2020

  • 36 Months
    36 Months Payment Terms1
    3.24% APR with Autopay2
    3.49% APR without Autopay2
    $29.19 Payment/$1,000
    130% RNADA  Advance Policy3
  • 48 Months
    48 Months Payment Terms1
    3.24% APR with Autopay2
    3.49% APR without Autopay2
    $22.24 Payment/$1,000
    130% RNADA  Advance Policy3
  • 60-66 Months
    60-66 Months Payment Terms1
    3.24% APR with Autopay2
    3.49% APR without Autopay2
    $18.08 Payment/$1,000
    130% RNADA  Advance Policy3
  • 72-78 Months
    72-78 Months Payment Terms1
    3.49% APR with Autopay2
    3.74% APR without Autopay2
    $15.41 Payment/$1,000
    130% RNADA  Advance Policy3
  • 84 Months
    84 Months Payment Terms1
    3.99% APR with Autopay2
    4.24% APR without Autopay2
    $13.66 Payment/$1,000
    130% RNADA 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 $25,000 financed up to 84 months (on approved credit); otherwise, maximum term is 72 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; RNADA=Retail National Automotive Dealers Association; Wholesale=Wholesale Market Value

Questions?

Locate your nearest Southland branch or call us: 

800.426.1917

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 $25,000 can finance up to 84 months; otherwise, maximum term is 72 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.