Auto Loans | AllSouth Federal Credit Union

More than an Auto Loan.

At AllSouth you experience hassle-free car financing, and you get more of what you deserve with our trusted lenders. With 100% financing options, low rates,¹ terms up to 84 months,² and 90 days no payment,³we can find an option that works for you. Easily apply today, and drive tomorrow.

Your Auto Loan is Just a Few Clicks Away

To apply for an Auto Loan, you will be directed to a secure online loan application hosted by DocuSign.

Complete Your Application

To get started, we’ll need your information such as your name, email, loan type, and co-applicant information (if applicable).

Sign and Submit

Sign and submit your loan application. We’ll contact you once it’s been reviewed, typically within one business day.

Enjoy Your New Auto Loan

Once approved, you can enjoy your new ride. Or if you refinanced, you can enjoy your new payment.

Ready to Refinance Your Current Vehicle?

We may be able to lower your payment and shorten the term of your loan. For example, a monthly payment for an auto loan of $25,000 for 75 months at 5.89% APR could be as low as $400.¹ Apply online, contact us, or visit one of our locations to get started.

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Request for More Information

Easy Loan Payments

With Online and Mobile Banking, it’s easy to make loan payments from your AllSouth accounts or accounts at other financial institutions.

What AllSouth members are saying about their experience...

This was the easiest auto loan ever! Everything was handled electronically which made the process smooth and efficient. My payments are much more affordable now.

-Madeline C. (2024)

I’ve been banking with them for years and they are by far the best bank for all your needs. Including auto loans, credit cards, line of credit, and customer service is always amazing!

-Lisa G. (2023)

The Customer Service Representative was very knowledgeable about everything that was needed for me to secure the loan. I’m happy with the low interest rate of my loan as well. Thanks so much Allsouth Federal Credit Union!!!

-Marcus M. (2023)

Car Buying Tips

Know Before You Go: Getting Preapproved for an Auto Loan

If you've purchased a car before, you know that walking into the car dealership can be a bit overwhelming, especially if you're not prepared. Buying a new car can be stressful, but it doesn't need to be.

Ask the Expert, Part 1: Common Car Buying Questions

There’s nothing like that new car smell, shining paint, and all the latest features that come with a new car. However, the process leading up to the big moment of driving your car off the lot may seem intimidating.

Ask the Expert, Part 2: More Common Car Buying Questions

Like we said in Part 1, you can never ask too many questions when it comes to buying a car. Here is some more advice from Tracy, our Centralized Lending Manager.

Estimate Your Monthly Auto Loan Payment

Car shopping can be stressful. To prepare for your next vehicle purchase, use this calculator to help you determine your monthly car loan payment or your car purchase price.

Calculate Now

FAQs

Who can apply for a loan with AllSouth?

Becoming a member is easy and we welcome the opportunity to serve you and your family. You are eligible if you live, work, worship, or attend school in the Columbia-Orangeburg-Newberry Combined Statistical Area consisting of Calhoun, Fairfield, Kershaw, Lexington, Newberry, Orangeburg, Richland, or Saluda Counties as well as Sumter County, South Carolina. You’re also eligible if you’re an immediate family member of a current AllSouth member or an individual who is eligible to join AllSouth.⁴
Does my credit score matter?

Yes, it matters! Your credit score is a reflection of how much risk you present with paying off debt. It helps us determine the interest rate you’ll pay to finance the car loan. If you have a higher credit score, you may be offered a lower interest rate. On the flip side, if you have a lower credit score, you may have a higher interest rate. Before you start shopping for a new car, review your credit report to see where you stand. If you need to improve your credit score, allow yourself some time to work on improving it before purchasing your car. You can get a free copy of your credit report from each major credit bureau (Experian, Equifax, and TransUnion) simply by visiting AnnualCreditReport.com.
How do I make a payment?

We have several ways to pay your loan including through Online and Mobile Banking and our Online Payment Service. To learn more about payment options, view our Make a Payment page.

Related Products and Resources

Personal Loans

Borrow up to
$15,000⁵

Whether you need to make a large purchase or take that once in a lifetime vacation.

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Recreation Loans

Rates as low as
7.50% APR⁵

Whether it’s a land or water adventure you’re ready for, our Boat, RV, and Motorcycle Loans can help make your adventure dreams a reality.

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¹ APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Minimum loan amount of $5,000. Rate determined by creditworthiness, term of loan, and loan to value (LTV). Loan rates and terms based on creditworthiness and qualifying purchase, so your rate may differ. Rates quoted are based on a 2023 model vehicle or newer, assume excellent borrower credit history, and an LTV less than 90%. Not all applicants will qualify for the lowest rate. Payment is an example only and is based on a 2023 model vehicle or newer, assume excellent borrower credit history, and an LTV less than 90%.

² Term is based on a 2019 model vehicle or newer, creditworthiness, and loan to value (LTV).

³ Must meet eligibility and credit standards. Interest accrues during 90 day no payment period.

⁴ Immediate family member includes spouse, children & grandchildren, parents & grandparents, siblings and all the "step" relationships of the same (for example, step-father, step-sister, etc.). Immediate family members of current members are eligible to join. Immediate family members of individuals eligible to join AllSouth, are also eligible for membership.

⁵ APR = Annual Percentage Rate. Rates, maximum loan amounts, and terms are subject to change without notice.