Auto Loans | AllSouth Federal Credit Union

Save With an AllSouth Auto Loan.

Getting a car loan should be convenient and come with personal service. When you finance your new car, truck, or SUV with AllSouth, we’ll make it easy to get behind the wheel of your new car. With 100% financing options, low fixed rates¹, and terms up to 84 months, we can find an option that works for you.

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 7.09% APR² could be as low as $392.75. Apply Online, contact us, or visit one of our locations to get started.

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

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.

Step 1

Complete Your Application

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

Step 2

Sign and Submit

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

Step 3

Enjoy Your New Auto Loan

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

What AllSouth members are saying about their experience...

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)

Best place for auto loans or refinancing.

-F. J. (2023)

AllSouth in Lexington is always a great experience! I have purchased 2 vehicles with this branch. They give top notch service!

-Gwen F. (2023)

Car Buying Tips

5 Tips to Save Money on Car Buying

Are you in the market for a new car, or in the process of determining if it’s the right time to purchase a car? While it can be an exciting experience, it can also be overwhelming if you don't know what you want or how much you can comfortably afford.

Learn More

Buying a Car, New or Used

When it's time to purchase your next car, you may ask yourself: Should I buy used or new? For most of us, buying a new car is a big decision.

Learn More

Make Car Buying a Breeze

Buying a car is an experience you will most likely repeat several times during your life. While it can be a fun time, it can also be overwhelming if you don't know what you want or how much you can comfortably afford.

Learn More

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.³ 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.
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
$15,000⁴

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

Learn More

Recreation Loans

Fixed rates as low as
7.50% APR⁴

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.

Learn More

¹ Loan rates and terms based on creditworthiness and qualifying purchases. Rates are subject to change without notice.

² 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). Payment is an example only and is based on a 2021 model vehicle or newer. Loan rates and terms based on creditworthiness and qualifying purchase, so your rate may differ. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. AllSouth does not permit internal refinances of an existing AllSouth auto loan.

³ 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.

⁴ APR = Annual Percentage Rate. Rates, maximum loan amounts, and terms are subject to change without notice.