Login >>Car Loan Solutions Made (very) Easy
When you’re ready for a better car loan, you’re a step ahead as a member of South Bay Credit Union. We’re a cooperative, and our business is helping you reach your goals, whether it’s a refinance, a brand new car, or simply a reliable used vehicle to get you to work, school or the beach.
The BASICS
You can apply online on our secure website or visit one of our branches to pick up an application. If you have questions or want help filling out an application, you will find SBCU employees ready to help at our branches, by phone 310-374-3436 or by email at sbcu@southbaycu.com. You can also download the application here.
The DETAILS
- 90 days until the first payment due & payment vacations for eligible loans
- Payroll deduction available as a convenient repayment option
- First-time auto buyers and credit rebuilding programs available
- “Beat your rate” from another institution will drop your rate 0.25% APR* or more, as low as our floor rate, matching your current term (proof required)
- What you WON’T find with an SBCU auto loan are application fees, hidden closing costs or early payoff penalties. Isn’t that nice? We think so.
Used Auto
Along with low rate and easy terms, we offer:
- Up to 120 percent financing of MSRP or Retail Kelly Blue Book Retail, including tax, license, and service contracts
- Credit Union GAP and Mechanical Breakdown Protection can be financed in addition
- Up to 84-month financing, depending on the vehicle purchase price
- Used is defined as 10 years old or less with over 10,000 miles
- First-time auto buyers & Classic car financing is available too (rates may vary)
New Auto
Along with low rate and easy terms, we offer:
- Up to 120 percent financing of MSRP or Retail Kelly Blue Book, including tax, license and service contracts
- Credit Union GAP and Mechanical Breakdown Protection can be financed in addition
- Up to 84-month financing, depending on the vehicle purchase price
- New is defined as current, or next model year with less than 10,000 miles
RV's, Motorcycles & Boats
Along with low rate and easy terms, we offer:
- Up to 90 percent financing of Wholesale NADA Guide, including tax, license and service contracts
- Up to 120-month financing, depending on the purchase price
- Used is defined as 10 years old or less
- Find out more here
The EXTRAS
- Online calculators. Take a look and see what you can afford and how soon you can pay off the loan.
- Loan Pre-approval. You’ll enjoy a buyer’s advantage once you arrange loan pre-approval because dealers will know you are free to take the best offer. It also makes it easier to shop within your budget.
- We know people. In fact, we’ve arranged deals with several partners to offer you discounted programs including auto insurance, mechanical breakdown insurance, and GAP insurance. Visit our Member Benefits page for more details.
Skip the dealer trip and enjoy a better auto buying experience with Autoland. Autoland works to save you time and hassle by handling everything to get your perfect new or pre-owned vehicle at a fair price. They can also get you a great value for your trade-in and deliver your new vehicle to the credit union. Call 800.234.6999 or visit Autoland.com to shop smart and drive happy!