Credit union · NCUA insured
Southcoast Credit Union Auto Loan Rates
Southcoast Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 15, 2026.
How Southcoast Credit Union’s auto loan rates compare
Compared with banks and credit unions near Providence, RI-MA, where Southcoast Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Southcoast Credit Union
5.00%APR
- Terms
- up to 60 months
- Up to
- 6.00% APR
New Automobile Loans
Lowest rate
Shoreham Bank
3.99%APR
- Terms
- up to 78 months
- Up to
- —
2nd-lowest rate
St. Anthony of Padua FCU
3.99%APR
- Terms
- up to 72 months
- Up to
- —
Southcoast Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Southcoast Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Automobile Loans
Maximum Loan Amount = $80,000. Up to 100% financing of your purchase for qualified buyers. Rates are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.00%–6.00% | Credit grades Platinum (720+) to E (< 619); Max LTV 60% to 100%; minimum APR requires Platinum/A credit (720+ or 719-680) and max 100% LTV. |
| up to 36 months | 5.00%–6.00% | Credit grades Platinum (720+) to E (< 619); Max LTV 60% to 100%; minimum APR requires Platinum/A credit (720+ or 719-680) and max 100% LTV. |
| up to 48 months | 5.00%–6.00% | Credit grades Platinum (720+) to E (< 619); Max LTV 60% to 100%; minimum APR requires Platinum/A credit (720+ or 719-680) and max 100% LTV. |
| up to 60 months | 5.00%–6.00% | Credit grades Platinum (720+) to E (< 619); Max LTV 60% to 100%; minimum APR requires Platinum/A credit (720+ or 719-680) and max 100% LTV. Example: 60 month term at 5.00% APR will have an estimated monthly payment of $18.92 per $1,000. |
| up to 72 months | 7.25%–10.25% | Credit grades Platinum (720+) to B (679-660); Max LTV 90% to 100%; minimum APR requires Platinum credit (720+) and max 100% LTV. Grades C, D, E are N/A. |
| up to 84 months | 8.25%–9.75% | Credit grades Platinum (720+) to A (719-680); Max LTV 100%; minimum APR requires Platinum credit (720+). Grades B, C, D, E are N/A. |
Sources (2)
All captured Oct 15, 2026
Used Automobile Loans
Maximum Loan Amount = $60,000. Max Mileage: 80,000 miles. Current model year auto with less than 15,000 miles will be considered new and based on MSRP for financing. All Self-employed borrowers require 2 year tax returns as proof of income (substitutions may be made by General Manager only). POI required for B grade and lower and may be required for higher grade scores. Effective February 01, 2025: VSI Insurance rate = $23.00. Up to 100% financing of purchase for qualified buyers. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.00%–6.00% | Credit grades Platinum (720+) to E (< 619); Max LTV 60% to 100%; minimum APR requires Platinum/A credit (720+ or 719-680) and max 100% LTV. |
| up to 36 months | 5.00%–6.00% | Credit grades Platinum (720+) to E (< 619); Max LTV 60% to 100%; minimum APR requires Platinum/A credit (720+ or 719-680) and max 100% LTV. |
| up to 48 months | 5.00%–6.00% | Credit grades Platinum (720+) to E (< 619); Max LTV 60% to 100%; minimum APR requires Platinum/A credit (720+ or 719-680) and max 100% LTV. |
| up to 60 months | 5.00%–6.00% | Credit grades Platinum (720+) to E (< 619); Max LTV 60% to 100%; minimum APR requires Platinum/A credit (720+ or 719-680) and max 100% LTV. Example: 60 month term at 5.00% APR will have an estimated monthly payment of $18.92 per $1,000. |
Sources (2)
All captured Oct 15, 2026
Who can join Southcoast Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligible to join if you are a voting member of the Community Economic Development Center (CEDC) of Southeastern Massachusetts.
- Eligible to join if you are an employee of the hospital.
- Eligible to join if you are a volunteer of the hospital.
- Eligible to join if you are a medical staff member of the hospital or an employee of a medical staff member.
Family and household
- Eligible to join if you are an immediate family member of a current Southcoast FCU member.
Cost to join
- Membership is established by opening a Regular Savings Account with a $25 balance.
Membership information collected October 5, 2026.