Find An Offer That Dives You

Drop your rate by 2%*

Refinance your auto loans from other financial institution with South Bay Credit Union and we’ll drop your current rate by 2% (down to our floor rate)*.

Additional benefits available:

  • 90 days NO PAYMENT
  • Up to 120% financing
  • Electronic Loan Signing
  • Pick your payment date
  • Automatic payments
  • EZ-Pay using a debit or credit card
  • Payment reminders
  • GAP and Mechanical Breakdown Protection (MBP) – ask us to compare our products to what the dealer offered you, you might be surprised.

We promise to make the application process short and sweet. In most cases, we can have you approved and funded within the same business day. Apply today and be on your way to savings just for refinancing your current auto loan with South Bay Credit Union.

Apply Now

Make your application process go even quicker. Have your purchase order, ID, and your most recent paycheck stub on hand and you’ll be done in minutes.

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1% cashback* offer, just for you

Finance your dealer purchase with South Bay Credit Union and get 1% cashback (up to $500).  Show us what rate you were offered and we will see if we can beat the dealers’ rate too*. Enjoy all of the same benefits listed above plus, a little extra cash in your pocket. What are you waiting for, apply today!

Apply Now

Be prepared: download or take a picture of your most recent loan statement or bill, have your ID and your most recent pay stub on hand and you’ll wiz through your application and funding. We can’t wait to save you money on your auto loans.


*APR= Annual Percentage Rate. Dealer match, beat, or 2% rate drop can not be below our floor rate as low as 2.49%APR for new autos, and 3.49%APR for used autos. New auto= The upcoming, current, or previous year model under 10,000 miles at the time of finance. Used auto= The current year model up to 10 model years back, over 10,000 miles and under 100,000 miles at the time of finance. All applications are subject to underwriting and credit review. 1% cashback maximum payout is $500.00, the rate is determined by credit eligibility, financing amount, and term. 2% rate drop available to new or used auto loans not previously or currently financed at South Bay Credit Union, the account at the outside institution must be in good standings with the last 6 payments made. Proof of current rate required to receive match, beat, or drop rate.