Credit union · NCUA insured
Southland Credit Union Auto Loan Rates
Southland Credit Union auto loans start at 4.74% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Southland Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Southland Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Southland Credit Union
4.74%APR
- Terms
- 60–66 months
- Discount
- Included in the rate
New Vehicle Loans
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Southland Credit Union auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Southland 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.
Auto Loan Refinance
No refinance fees. Refinance new requires current year car with <5,000 miles or previous year car never registered with <5,000 miles. Refinance used requires car with >5,000 miles, previously registered, and 7 years old or less.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | Refinance New. With Autopay from a qualified Southland checking account (0.25% deduction). Calculated at a $10,000 loan amount. |
| up to 36 months | 4.99% | Refinance New. Without Autopay. Calculated at a $10,000 loan amount. |
| up to 48 months | 4.74% | Refinance New. With Autopay from a qualified Southland checking account (0.25% deduction). Calculated at a $10,000 loan amount. |
| up to 48 months | 4.99% | Refinance New. Without Autopay. Calculated at a $10,000 loan amount. |
| 60–66 months | 4.74% | Refinance New. With Autopay from a qualified Southland checking account (0.25% deduction). Calculated at a $10,000 loan amount. |
| 60–66 months | 4.99% | Refinance New. Without Autopay. Calculated at a $10,000 loan amount. |
| 72–78 months | 5.24% | Refinance New. With Autopay from a qualified Southland checking account (0.25% deduction). Calculated at a $10,000 loan amount. |
| 72–78 months | 5.49% | Refinance New. Without Autopay. Calculated at a $10,000 loan amount. |
| up to 84 months | 5.74% | Refinance New. With Autopay from a qualified Southland checking account (0.25% deduction). Vehicles valued over $20,000 financed up to 84 months (on approved credit). Calculated at a $10,000 loan amount. |
| up to 84 months | 5.99% | Refinance New. Without Autopay. Vehicles valued over $20,000 financed up to 84 months (on approved credit). Calculated at a $10,000 loan amount. |
| up to 36 months | 5.24% | Refinance Used. With Autopay from a qualified Southland checking account (0.25% deduction). Calculated at a $10,000 loan amount. |
| up to 36 months | 5.49% | Refinance Used. Without Autopay. Calculated at a $10,000 loan amount. |
| up to 48 months | 5.24% | Refinance Used. With Autopay from a qualified Southland checking account (0.25% deduction). Calculated at a $10,000 loan amount. |
| up to 48 months | 5.49% | Refinance Used. Without Autopay. Calculated at a $10,000 loan amount. |
| 60–66 months | 5.24% | Refinance Used. With Autopay from a qualified Southland checking account (0.25% deduction). Calculated at a $10,000 loan amount. |
| 60–66 months | 5.49% | Refinance Used. Without Autopay. Calculated at a $10,000 loan amount. |
| 72–78 months | 5.74% | Refinance Used. Without Autopay. Calculated at a $10,000 loan amount. |
| up to 84 months | 6.24% | Refinance Used. Without Autopay. Vehicles valued over $20,000 financed up to 84 months (on approved credit). Calculated at a $10,000 loan amount. |
Sources (1)
- southlandcu.org/borrow/vehicle…oans/auto-loan-refinance · captured Oct 6, 2026
New Vehicle Loans
Loans are subject to credit and collateral qualification. Vehicles valued over $20,000 financed up to 84 months (on approved credit); otherwise maximum term is 78 months. 130% MSRP Advance Policy. Additional 0.25% rate discount for less than 100% LTV available on 60-66 & 72-78 month terms (minimum FICO 660).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | With Autopay from a qualified Southland checking account (0.25% deduction). Calculated at a $10,000 loan amount. |
| up to 36 months | 4.99% | Without Autopay. Calculated at a $10,000 loan amount. |
| up to 48 months | 4.74% | With Autopay from a qualified Southland checking account (0.25% deduction). Calculated at a $10,000 loan amount. |
| up to 48 months | 4.99% | Without Autopay. Calculated at a $10,000 loan amount. |
| 60–66 months | 4.74% | With Autopay from a qualified Southland checking account (0.25% deduction). Calculated at a $10,000 loan amount. |
| 60–66 months | 4.99% | Without Autopay. Calculated at a $10,000 loan amount. |
| 72–78 months | 5.24% | With Autopay from a qualified Southland checking account (0.25% deduction). Calculated at a $10,000 loan amount. |
| 72–78 months | 5.49% | Without Autopay. Calculated at a $10,000 loan amount. |
| up to 84 months | 5.74% | With Autopay from a qualified Southland checking account (0.25% deduction). Vehicles valued over $20,000 financed up to 84 months (on approved credit). Calculated at a $10,000 loan amount. |
| up to 84 months | 5.99% | Without Autopay. Vehicles valued over $20,000 financed up to 84 months (on approved credit). Calculated at a $10,000 loan amount. |
Sources (2)
All captured Oct 6, 2026
Used Vehicle Loans
Loans are subject to credit and collateral qualification. Vehicles valued over $20,000 financed up to 84 months (on approved credit); otherwise maximum term is 78 months. 130% RKBB/JDP Advance Policy. Additional 0.25% rate discount for less than 100% LTV available on 60-66 & 72-78 month terms (minimum FICO 660).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | With Autopay from a qualified Southland checking account (0.25% deduction). Calculated at a $10,000 loan amount. |
| up to 36 months | 5.49% | Without Autopay. Calculated at a $10,000 loan amount. |
| up to 48 months | 5.24% | With Autopay from a qualified Southland checking account (0.25% deduction). Calculated at a $10,000 loan amount. |
| up to 48 months | 5.49% | Without Autopay. Calculated at a $10,000 loan amount. |
| 60–66 months | 5.24% | With Autopay from a qualified Southland checking account (0.25% deduction). Calculated at a $10,000 loan amount. |
| 60–66 months | 5.49% | Without Autopay. Calculated at a $10,000 loan amount. |
| 72–78 months | 5.49% | With Autopay from a qualified Southland checking account (0.25% deduction). Calculated at a $10,000 loan amount. |
| 72–78 months | 5.74% | Without Autopay. Calculated at a $10,000 loan amount. |
| up to 84 months | 5.99% | With Autopay from a qualified Southland checking account (0.25% deduction). Vehicles valued over $20,000 financed up to 84 months (on approved credit). Calculated at a $10,000 loan amount. |
| up to 84 months | 6.24% | Without Autopay. Vehicles valued over $20,000 financed up to 84 months (on approved credit). Calculated at a $10,000 loan amount. |
Sources (2)
All captured Oct 6, 2026
Who can join Southland Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.