Auto Loans

Time for that new car? We have lowered rates for new/used autos, motorcycles, RV’s, Boats and ATV’s.

We can help get you in that new car you have been wanting. Get pre-qualified so you know how much you want to spend before you shop. Enjoy the benefits of being a member of The Southern…click HERE to see our rates!

Click HERE to apply for a new/used auto loan.


Benefits of choosing a Southern Auto Loan are:

  • Most 0% rebates will require a large down payment and exceptional credit history. We’ll work with you to get you the best rate possible.
  • You’ll get the choice of the car you want.
  • Any loan add-ons likely will require a re-price to a higher rate.
  • Remember, driving a car off the lot instantly depreciates it’s value. A rebate will help keep the “off lot” value equal to the current borrowed amount.

If you are in the market for a new or used car, call The Southern Credit Union, first. We can help you through the entire purchasing process. As a member, we take your best interests and make them ours and we work to get you a loan that fits your budget.

Our new auto loan rates are extremely attractive and our used auto loan rates are just tough to beat. Our goal is not to get you a loan and get you out – it is to get you a loan with a great rate and terms that are right for you and your budget.

  • No application fees
  • Competitive rates for new and used vehicles
  • Generous terms
  • 100% financing on the MSRP price of new vehicles
  • 100% financing of NADA retail price of used vehicles
  • No pre-payment penalties
  • Easy application — simply call, come by or go online

Click here for rates and terms on The Southern auto loans.

Click here to apply for a new/used auto loan.

Insure your auto loan with GAP Insurance. It can make a difference

FOR A LIMITED TIME – Receive FREE GAP COVERAGE with a NEW Auto Loan! Get Details Here!

For what amounts to just a few dollars per month, GAP insurance can save you from making loan payments on a car, truck or other vehicle that’s beyond repair, or stolen and not recovered. This insurance is designed to pay the difference, (i.e., the GAP) between what you owe on the vehicle and what the vehicle is worth at the time of the incident.

It’s easy to protect your vehicle; just ask for GAP Insurance when you apply for your vehicle loan. If you already have an auto loan with us, GAP Insurance may be added at any time. The total cost is just $449.

Get security for financial loss with GAP Insurance:

  • Protection for the term of your loan, up to 84 months.
  • Coverage or vehicles valued up to $100,000 at the time of purchase.
  • Payment of benefits up to $50,000.
  • Coverage for auto insurance deductibles as part of the GAP claim settlement up to $1,000 and where allowed by law.
  • Benefits for new or used vehicles, including cars, light trucks, motorcycles and some other motorized vehicles.

If you have questions about GAP Insurance or want more information regarding this coverage, please call The Southern’s loan department at (770) 719-1111 or 1-800-338-5882.

Extended Warranties

Ask about purchasing an extended warranty. It provides the peace of mind that comes with ownership.

Pre-approval and Shopping Tips:

  • Get your auto loan pre-approved before you start shopping
  • When you shop with a pre-approved loan it’s like shopping with cash – so you can negotiate from strength
  • The amount you pay for a vehicle makes a greater difference in your monthly payment than the interest rate on your loan