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Southland Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 07 November 2023
Fact checked

Southland Credit Union auto loans overview

Southland Credit Union logo

Southland Credit Union was founded in 1936 and serves members across Orange and Los Angeles Counties. Southland offers pre-owned and new auto loans that boast competitive rates and flexible repayment options. Plus, qualified members can save more by securing rate discounts with autopay and clean energy vehicles.

Want to see what a Southland auto loan will cost? Try the Southland Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Southland Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Up to 130%.
  • Interest rates: As low as 5.99% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Autopay, clean energy vehicle, and auto insurance discounts.

SOUTHLAND CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Whether you’re purchasing, refinancing, or buying out your lease, Southland Credit Union’s loans have low rates and terms of up to 84 months. New auto loans start as low as 5.99% APR with autopay, while used car loans begin at 6.24% APR. Keep in mind that the rates you qualify for are subject to approval.

Clean energy vehicle loans

Southland also offers an extra 0.25% off on your interest rate if you buy electric vehicles. New vehicles have rates as low as 5.74% APR (with autopay), and used models start at 5.99% APR. You can choose from electric, plug-in hybrid, gas and diesel-powered, CNG, fuel cell, and any qualifying automobile from the EPA Green Vehicle Guide.

Motorcycle and personal watercraft loans

You can finance up to 110% of new and used motorcycles and personal watercraft, too. For new models, rates begin at 9.49% APR. Then, used vehicles start at 9.74% APR. Depending on the amount you borrow, you can also extend your repayment period for up to 84 months.

RV and boat loans

If you want to cruise the road or the waves, you can also apply for loans tailored for recreational vehicles. You can finance up to 90% of the purchase price with tax, license, and insurance and choose terms of up to 15 years. Rates come as low as 8.75% APR for new models and 9% APR for used ones.

Southland Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

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Southland Credit Union

Southland Credit Union auto loan

Southland Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Southland Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Southland Central Credit Union auto loan

Eligibility criteria

Though Southland Credit Union doesn’t indicate the exact criteria to apply for auto financing, you should usually meet the following:

  • A Southland member
  • 18 years old or older
  • A legal resident
  • Employed or have a reliable source of income

Remember that applicants with solid credit profiles typically qualify for the best offers. That said, try to build your credit score before applying. This way, you can increase your chances of locking in lower rates and terms and save more overall.

How to join Southland CU

Southland membership is open to:

  • Anyone who lives, works, worships, or attends school in Orange County or Los Angeles County
  • Immediate family members of Southland Credit Union members
  • Employees of Southland’s sponsor companies

What you’ll need to have ready

Personal details

When you apply for auto financing with Southland Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide Southland with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Besides preparing the documents, it also helps to understand how to get approved for loans. Insight into this will guide you in the application process and increase your chances of qualifying for credit.

Ways to apply for a Southland auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (800) 426-1917

Additional Southland Credit Union auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but loans may take a day or more to get approved based on your application.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Payment center, digital banking, and mobile app.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Competitive loan rates.
  • Flexible payment terms.
  • Borrow up to 130%.
  • 0.25% APR discount with autopay.
  • Discounted rates with clean energy vehicle purchases.
  • Easy online application and pre-approval.
  • Purchase and refinance available.
  • No prepayment penalty.
  • Convenient car-buying services available.
  • Discounted auto insurance and optional Mechanical Breakdown Protection (MBP) and GAP coverage offered.
  • Easy payment options.

Cons

  • Membership required.
  • Undisclosed loan fees.
  • Potential higher APRs for borrowers with low credit scores.

FREQUENTLY ASKED QUESTIONS

What interest rates does Southland CU charge on vehicle loans?

For new auto loans, rates are as low as 5.99% APR with autopay. Meanwhile, used vehicle loans start at 6.24% APR. Remember though that all loans are subject to credit approval.

What is the maximum length of a Southland auto loan?

You can make lower loan payments for up to 84 months.

Are there discounts available on Southland CU car loans?

The credit union offers auto insurance discounts and a 0.25% APR discount with autopay from a Credit Union Checking or Money Market account. Plus, you can get additional APR discounts when you buy clean energy vehicles.

Can I refinance my auto loan from another lender?

Yes. You can refinance your existing car loan from a different lender to get lower interest or monthly payments and save money.

Can I apply for a Southland car loan online?

Yes. You can easily get pre-approved and apply for car loans online.

How can I contact Southland Credit Union about my vehicle loan?

To make an inquiry about loans, you can reach out to the member service at (800) 426-1917.

How many pay slips does Southland CU require during my car loan application?

While the credit union doesn’t disclose the exact requirements, you usually need to prepare your two most recent pay stubs when applying for loans.

Will applying for a vehicle loan with Southland Credit Union affect my credit score?

Applying for credit will require a hard credit check from the credit union. Since this will appear on your credit report, it can temporarily drop your score by a bit. To build your credit, make sure you meet your monthly payment.

Video: Make the switch to Southland

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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