Auto Loan Promotion

Our lowest rate + $100 dollar gas card = Your new car, only better. Purchase your new car with us and receive our lowest rate of the year. To sweeten the deal, we’ll give you a $100 gas card just for choosing us. Looking for more reason to seal the deal on your new car? Check out some additional benefits below. Get your pre-approval today.

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Refinance and drop your rate by 2%

Great news! We’ve added a Refinance option. Refinance your current auto loan and drop your rate by 2%* PLUS a $100 gas card. Start saving on your auto loan today.

Auto Refinance

Enjoy these additional benefits to having your new or used auto loan with South Bay CU.

  • 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
  • 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; used is any model year over 10,000 miles
  • Same day approvals

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* APR = Annual Percentage Rate. All loans and rates are subject to credit approval and/or creditworthiness. New Auto Loan payment example: $176.00 per month for each $10,000 financed at 1.99% APR for 60 months with automatic payments. Used Auto Loan payment example: $178.00 per month for each $10,000 financed at 2.490% APR for 60 months with automatic payments. Internal refinances do not qualify for this promotion.  Vehicles must be currently financed at an outside institution to qualify for 2% rate drop, as low as our floor rate of 1.99% new, and 2.49% used. Payments may be higher based on the actual qualifying rate. Your rate may be higher based on your credit risk score determined by Experian and the loan to value of your loan. Rates are effective as of March 1, 2021 and subject to change without notice. Gas cards are available while supplies last. Your auto loan must fund $10,000 or more to receive a $100 Gas Card. This promotion will last until May 31, 2021. Your application must be received on or prior to May 31, 2021 to qualify for these rates and the $100 Gas Card. Income verification may be required in the form of most current paystubs or up to the last two years income tax returns. Same-day approvals submitted before 3 pm during business days.