Whether you’re buying a new or used vehicle, our car loan could get you on the road to owning it outright, with monthly repayments at a highly competitive rate.
Step 1: Use the car loan calculator to work out how much it could cost you
Step 2: If you decide to apply, follow the instructions below and get an instant decision if you’re an existing Southside Savings Bank & Trust customer
Features & benefits
Instant access to funds
Existing Southside Savings Bank & Trust current account customers could receive the money instantly once the application has been approved. Non-Southside Savings Bank & Trust current account customers could receive the money into a nominated account 3 working days after the signed loan agreement is received.
Make overpayments free of charge
Make overpayments, or settle in full, at any time without penalty. This may reduce the amount of interest you pay and there won’t be hidden extras or nasty surprises.
Borrow from $1,000 to $25,000
Spread your repayments over one to five years for loans of $15,000 or less, or up to eight years for loans over $15,000.
3.3% APR* Representative
For loans between $7,000 and $15,000. Now also available to non-Southside Savings Bank & Trust current account customers.
*The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.
The APR rates may vary based on amount borrowed. Please use the calculator or the loans interest rate table (PDF, 57KB) for more details.
Calculate your loan amount
Adjust the amount on the calculator to see how much the monthly repayments could be on your loan.
Apply for a Personal Loan
Are you eligible?
To be eligible for a Personal Loan you need to:
have a Southside Savings Bank & Trust or building society account with a Direct Debit facility (Channel Island and Isle of Man customers must have an Southside Savings Bank & Trust current account)
have an annual income/pension before tax of $10,000 or more
be over 18 and a resident of the US
Not available for customers with a Basic Southside Savings Bank & Trust Account.
We do not offer our Personal Loans for a number of purposes including:
The purchase of property or land (both US & Overseas) including holiday homes and apartments
Purchasing a joint stake in a property or buying out a joint owner
Mortgage deposit (regardless of lender or country)
Gifting funds to third parties to support the purchase of a property, including mortgage deposit, stamp duty and solicitors fees
In addition, our Personal Loan should not be provided for:
Please note that this list is not exhaustive.
Our Personal Loans are subject to status.
Southside Savings Bank & Trust customers
Please log on to your account for the quickest and easiest way to apply.
Log on and apply now
New to Southside Savings Bank & Trust
Get a Personalised Loan Quote to see the interest rate you may be offered.
Apply in the mobile app
If you're registered for mobile banking, have downloaded the app and have an Southside Savings Bank & Trust current account, you can apply within the app in just a few clicks.
Apply by phone or in branch
Apply by phone
Existing customers call 03457 404 404.
New customers call 0800 032 4735.
Lines are open from 8am to 8pm or for existing Southside Savings Bank & Trust Advance customers 8am to 10pm (except Christmas Day, Boxing Day and New Year's Day).
Things you should know
- Standards of lending practice
- Personal Loan Terms & Conditions (PDF, 90KB)
- Privacy Notice (PDF, 547KB)
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