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Looking to purchase a new or used boat or RV that fits your lifestyle?

What does "RV" mean to you—fishing in your boat, creating memories in your motor home, or cruising in a new camper?  No matter how you have fun, Southland offers a Recreational Vehicle Loan to fit your needs. With Southland’s low rates and longer terms on new and used vehicles, we can put you in the driver’s seat.

 

        New Purchase

  • Finance up to 90% of the purchase price with tax, license, and insurance
  • Select repayment terms—up to 15 years (depending on amount financed)
  • Save an additional .25% on your rate with automatic payments from your Credit Union Checking or Money Market Account
  • Shop confidently with a pre-approved loan
  • Receive online loan approval within minutes
  • Payment protection available
  • Guaranteed Asset Protection (GAP) Insurance available
  • Extended Vehicle Warranties with Mechanical Breakdown Protection (MBP) available

      Used Purchase or Refinance

  • No lender fees to refinance your existing loan
  • Finance up to 90% of the appraised value
  • Select repayment terms—up to 15 years (Depending On Amount Financed)
  • Save an additional .25% on your rate with automatic payments from your Credit Union Checking or Money Market Account
  • Receive online loan approval within minutes
  • Payment protection available
  • Guaranteed Asset Protection (GAP) Insurance available
  • Extended Vehicle Warranties with Mechanical Breakdown Protection (MBP) available


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!

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!

Mechanical Breakdown Protection

(MBP), also known as an Extended Warranty, is automobile protection that extends beyond the manufacturer's factory warranty and covers repairs of unexpected mechanical breakdowns. Your vehicle is a major investment. That is why purchasing mechanical breakdown protection (MBP) is a wise choice.

MBP can help 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. Most important of all, Mechanical Breakdown Protection provides peace of mind so you can experience worry-free driving!

Are you financing or leasing your car, light truck, or SUV? Did you know that if it's totaled or stolen, YOU COULD FACE A FINANCIAL RISK that your auto insurance policy may not cover?

Guaranteed Asset Protection (GAP) coverage protects you against this risk. In the event of theft or total loss of your vehicle, most insurance companies only pay the Cash Value of the vehicle at the time of the loss. Your remaining loan balance could be much greater than the Cash Value of your vehicle creating a deficiency of several thousand dollars that you're liable for.

Life is unpredictable. There are a wide range of unexpected events that could leave you and your family scrambling to pay monthly bills. That’s why it is important you take action to safeguard your family against these types of events to ensure loan payments can be made on time. That’s where optional ConsumerSafe Debt Protection comes in.

Under the ConsumerSafe Debt Protection program, your loan balance may be canceled or your monthly loan payments canceled without penalty or added interest. You benefit from the peace of mind knowing you and your credit rating are protected – and most importantly – that your family is protected.

An IRA stands for Individual Retirement Account. Many people mistakenly confuse an IRA to mean a financial product not insured by the NCUA or the FDIC, this is not the case. An IRA is a special designation given to many financial products to provide for tax benefits to encourage saving for your retirement. You have the choice to designate a NCUA-insured Savings Account or Certificate of Deposit as an IRA, just as you have the option of having non-insured investments such as Stocks or Mutual Funds as an IRA. Southland offers three different types of IRAs — Traditional IRA, Roth IRA, and SEP IRA.
A traditional IRA is a tax-deferred retirement savings account. You pay taxes on your money only when you make withdrawals in retirement. Deferring taxes means all of your dividends, interest payments and capital gains can compound each year without being hindered by taxes - allowing an IRA to grow much faster than a taxable account.
A Roth IRA is a retirement savings account that allows your money to grow tax-free. You fund a Roth with after-tax dollars, meaning you've already paid taxes on the money you put into it. In return for no a up-front tax break, your money grows and grows tax free, and when you withdraw at retirement, you pay no taxes.  
A SEP IRA is a type of traditional IRA for self-employed individuals or small business owners. SEP stands for Simplified Employee Pension. Any business owner with one or more employees, or anyone with freelance income, can open a SEP IRA. Contributions, which are tax-deductible for the business or individual, go into a traditional IRA held in the employee's name. Employees of the business cannot contribute - the employer does. Like a traditional IRA, the money in a SEP IRA is not taxable until withdrawal.

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.