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.



Table data for Vehicle Loan Rates
 Rates Effective 01-22-2019
New - Payment Terms1 APR with Autopay2 APR without Autopay2 Payment/$1,000 Advance Policy3 Alert Me
36 Months 3.24% 3.49% $29.19 130% MSRP
48 Months 3.24% 3.49% $22.24 130% MSRP
60 Months 3.24% 3.49% $18.08 130% MSRP
72 Months 3.49% 3.74% $15.41 130% MSRP
84 Months 4.24% 4.49% $13.78 130% MSRP
Used - Payment Terms1 APR with Autopay2 APR without Autopay2 Payment/$1,000 Advance Policy4 Alert Me
36 Months 3.49% 3.74% $29.30 130% RNADA (HCU - KBB)
48 Months 3.49% 3.74% $22.35 130% RNADA (HCU - KBB)
60 Months 3.74% 3.99% $18.30 130% RNADA (HCU - KBB)
72 Months 3.74% 3.99% $15.53 130% RNADA (HCU - KBB)
84 Months 4.49% 4.74% $13.90 130% RNADA (HCU - KBB)
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=Retainer National Automotive Dealers Association; Wholesale=Wholesale Market Value
  • 4MSRP=Manufacturer's Suggested Retail Price; RNADA=Retainer National Automotive Dealers Association; (Harbor Credit Union Members Only) HCU-KBB = Kelley Blue Book; Wholesale=Wholesale Market Value

Estimate Your Monthly Payment

Knowing your monthly payment is key to managing your budget. Explore our loan calculators to find all the answers to make the right decision.

Compare Monthly Payment By Term
The term of your vehicle loan can make a big difference in your monthly payment
Lease or Purchase?
Decide if leasing is preferable to borrowing to acquire a vehicle. This calculator assumes that you do not exercise the purchase option at the end of the lease term. With a vehicle loan, you will own the vehicle when the loan is paid off.
Loan Calculator
Find your monthly payment based on loan amount, loan term, and interest rate.
Rebate or Low Rate?
See which option saves you money on your car purchase: low-rate financing or rebate incentives.
What Can I Afford?
Determine the price of a vehicle you can afford, based on your down payment, value of your trade-in, cash rebates available, and loan terms.
Gas Mileage Savings with a Fuel-Efficient Vehicle
Estimate how much you will save by purchasing a more fuel-efficient vehicle

How much car can you afford?

Enter your desired monthly payment below

3 year loan:
7 year loan:

We’ve got the auto buying resources and services available to help save you time and money. Best of all…it’s free! Whether you like to do all of your own research and comparisons or you like 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


Mechanical Breakdown Protection


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!


GAP Coverage


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.


ConsumerSafe Debt Protection


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.

TruStage® Auto & Home Insurance Program

You trust your Credit Union to make products and services available to help you do more with what you have. That's why we've joined with a dedicated team of insurance professionals to bring you the TruStage Auto & Home Insurance Program.

Working with carefully selected insurance companies, these programs can provide discounted rates exclusively for credit union members, with online services and 24/7 claims support.

If you haven't compared auto or home insurance rates lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today or call 1-855-483-2149

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.

TruStage Car and Home insurance.  You could save money.  Get a quote.


Call to find out how much you can save


Get a Quote

Self-Serve Auto Title Services

Southland Credit Union uses MyTitleSupport as our service partner to fulfill Lien Satisfaction, Duplicate Title, Name Change, and State Change requests. For your convenience, you may request your Lien Satisfaction, Duplicate Title, Name Change, or State Change on an account by visiting A fee will be charged for this service, so please have your credit or debit card information available along with your Vehicle Identification Number when you are ready to submit your request. 

Visit My Title Support

Toll-free support: 888-740-2214

Members may call toll free, Monday - Friday between 5 a.m. and 5 p.m. PST.