South Carolina Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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South Carolina auto loan rates range from 3.49% to 6.09% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in South Carolina include Market USA Federal Credit UnionMarket USA Federal Credit Union201 Bi Lo Blvd, Greenville, SC, 29607 5346A+5.0 ★Texas Ratio: 4.76% offering New Auto Loan at 3.49%, Columbia Post Office Credit UnionColumbia Post Office Credit Union1601 Assembly St, Columbia, SC, 29201 2762A+5.0 ★Texas Ratio: 0.16% offering New Cars 2024-2027 Loan at 3.50%, Tru Federal Credit UnionTru Federal Credit Union617 Durst Ave E, Greenwood, SC, 29649 2713A+5.0 ★Texas Ratio: 2.18% offering New Vehicle Loan at 3.50%, Navy Federal Credit UnionNavy Federal Credit UnionNorth Rivers Center, North Charleston, SC, 29406A5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, Curis Financial Credit UnionCuris Financial Credit Union9 Richland Medical Park Dr, Columbia, SC, 29203 6895A+5.0 ★Texas Ratio: 1.22% offering New or Used Car/Truck/Van Loan at 3.99%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across South Carolina side-by-side. South Carolina auto loan rates currently start as low as 3.49% APR from Market USA Federal Credit Union at 201 Bi Lo Blvd, Greenville, SC, 29607 5346. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in South Carolina. Auto Loan Rates Last Updated and Verified: October 13, 2026
Compare Auto Loan Rates Today in South Carolina
South Carolina Auto Loan Rates
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
Credit Scores: 800-850; Percent Financed: 100%
As Low As; APR and up
As Low As
As Low As; Rates subject to change.
Published APR range: 3.99%-17.99%.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Vehicles less than 50,000 miles, < 125% LTV; Specialty Vehicles may carry a supplement of up to 200 basis points
As Low As; Vehicles less than 50,000 miles, < 125% LTV; Specialty Vehicles may carry a supplement of up to 200 basis points
As Low As; Depending on Age; Rates effective as of 1/1/2026
As Low As; Depending on Age
As Low As
Credit Scores: 725-799; Percent Financed: 100%
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
As low as
APR range: 4.24%^-9.99%
APR range: 4.24%^-9.99%
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Auto loan APR
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
As Low As; Fixed Rate
As Low As; Fixed Rate
As Low As
As Low As; Rates subject to change.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Vehicles less than 50,000 miles, < 125% LTV; Specialty Vehicles may carry a supplement of up to 200 basis points
As Low As; Model Year: 2024 and Newer
As Low As; Auto loan APR
APR (As low as); Estimated payment per $1000: $22.80
As Low As; New vehicle is less than 2 years old and less than 30,000 miles
- Oct 5, 20264.49%▲ from 3.74%
- Sep 14, 20263.74%first recorded
As Low As; Requires direct deposit with Parda Federal Credit Union; For qualified borrowers; Rate and term may vary based on credit score, year of collateral and loan-to-value
As Low As
As Low As
Additional APR listed for this product: 5.49%, 6.49%, 7.00%. As Low As; Model Year: 0 - 1 year
Credit Scores: 800-850; Percent Financed: 100%
Credit Scores: 625-724; Percent Financed: 100%
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
- Oct 13, 20264.50%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
As Low As; Fixed Rate
As Low As; Fixed Rate
As Low As; Annual Percentage Rate (APR) as low as; Vehicle Loans - Auto Loans; Rates subject to change; Please call for quote
As Low As; Annual Percentage Rate (APR) as low as; Vehicle Loans - Auto Loans; Rates subject to change; Please call for quote
As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting
As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting
As Low As; Guaranteed Better Loan Advantage; No Payment for 90 Days; Flexible Monthly Terms 24-84
As Low As; Vehicle must be prior year, current year or upcoming year model with 15,000 miles or less, and never previously titled
Published APR range: 4.50% - 18.00%. Vehicle Year: New; APR* range
As Low As
As Low As; Rates subject to change.
As Low As
As Low As
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a new auto loan with the term & APR listed above calculating the payment per $1,000.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Auto loan APR
As Low As; Minimum loan amount $5,000; rates based on 2024 model vehicle or newer, excellent credit, LTV less than 80%; rates effective June 10, 2026
As Low As; New vehicle is less than 2 years old and less than 30,000 miles
- Oct 5, 20264.74%▲ from 3.99%
- Sep 21, 20263.99%first recorded
As Low As; New vehicle is less than 2 years old and less than 30,000 miles
- Oct 5, 20264.74%▲ from 3.99%
- Sep 21, 20263.99%first recorded
As Low As; Requires direct deposit with Parda Federal Credit Union; For qualified borrowers; Rate and term may vary based on credit score, year of collateral and loan-to-value
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
- Oct 13, 20264.75%▼ from 6.50%
- Sep 17, 20266.50%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Minimum loan amount $5,000; rates based on 2024 model vehicle or newer, excellent credit, LTV less than 80%; rates effective June 10, 2026
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates shown are for model years 2022-2023 and include the All-In Member Pricing interest rate discount of up to 0.50% APR. Rates for 2021 and older models may be higher. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Rates for model years 2021 and older may be higher. Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a used auto loan with the term & APR listed above calculating the payment per $1,000. Rates displayed are for model years 2022-2023.
As Low As
Term: up to 60 months financing; As Low As; *
As Low As; Fixed Rate
As Low As; Fixed Rate
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a new auto loan with the term & APR listed above calculating the payment per $1,000.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Vehicles less than 50,000 miles, < 125% LTV; Specialty Vehicles may carry a supplement of up to 200 basis points
As Low As; Auto loan APR
APR (As low as); Estimated payment per $1000: $17.36
As Low As; Requires direct deposit with Parda Federal Credit Union; For qualified borrowers; Rate and term may vary based on credit score, year of collateral and loan-to-value
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027
As Low As; As of October 1, 2026
Published APR range: 4.99% - 18.00%. Vehicle Year: New; APR* range
Published APR range: 4.99% - 18.00%. Vehicle Year: 2020-2026; Condition: Used
Credit Scores: 800-850; Percent Financed: 100%
Credit Scores: 725-799; Percent Financed: 100%
Credit Scores: 750-850; Percent Financed: 100%
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 3; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.00%▼ from 5.50%
- Oct 8, 20265.50%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 4; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.00%▼ from 5.50%
- Oct 8, 20265.50%first recorded
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
- Oct 13, 20265.00%▼ from 7.00%
- Sep 17, 20267.00%first recorded
As Low As; Approved rate not lower than 5.00% APR including applicable discounts
As Low As; Approved rate not lower than 5.00% APR including applicable discounts
As Low As; $15,000 minimum amount financed for a 72-month term; Approved rate not lower than 5.00% APR including applicable discounts
As Low As; Approved rate not lower than 5.00% APR including applicable discounts
As Low As; Approved rate not lower than 5.00% APR including applicable discounts
As Low As; Annual Percentage Rate (APR) as low as; Vehicle Loans - Auto Loans; Rates subject to change; Please call for quote
As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting
As Low As; Vehicle must be prior year, current year or upcoming year model with 15,000 miles or less, and never previously titled
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates shown are for model years 2022-2023 and include the All-In Member Pricing interest rate discount of up to 0.50% APR. Rates for 2021 and older models may be higher. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Rates for model years 2021 and older may be higher. Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a used auto loan with the term & APR listed above calculating the payment per $1,000. Rates displayed are for model years 2022-2023.
As Low As; Minimum loan amount $5,000; rates based on 2024 model vehicle or newer, excellent credit, LTV less than 80%; rates effective June 10, 2026
As low as
As Low As; $25,000 minimum amount financed for an 84-month term; Approved rate not lower than 5.00% APR including applicable discounts
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Model Year: 2024 and Newer
As Low As; Approved rate not lower than 5.00% APR including applicable discounts
As Low As; Auto loan APR
As Low As; Auto loan APR
As Low As; APR* (As low as); Estimated payment per $1000: $17.48; APR = Annual percentage rate. Rates may vary.
As Low As; Requires direct deposit with Parda Federal Credit Union; For qualified borrowers; Rate and term may vary based on credit score, year of collateral and loan-to-value
Published APR range: 5.24% - 18.00%. Vehicle Year: New; APR* range
Term: up to 60 months financing; As Low As
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 5; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▼ from 5.75%
- Oct 8, 20265.75%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
- Oct 13, 20265.25%▼ from 7.00%
- Sep 17, 20267.00%first recorded
As Low As
As Low As; Rates subject to change.
As Low As
As Low As; Rates subject to change.
As Low As
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
Rates listed are for Autos two years old or newer. Other rates and terms available for autos up to 4 years old. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Payments listed are only examples. Payment examples are based off a Payment Saver auto loan with the term & APR listed above calculating the payment per $1,000.
As Low As; Vehicles 2021-2016 with 50,001 to 130,000 miles; Specialty vehicles may carry a supplement of up to 200 basis points
As Low As; Auto loan APR
APR (As low as); Estimated payment per $1000: $15.79
Published APR range: 5.49% - 18.00%. Vehicle Year: New; APR* range
Additional APR listed for this product: 6.00%, 7.00%, 7.49%. As Low As; Model Year: 2 - 10 years
Credit Scores: 725-799; Percent Financed: 100%
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 6; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.50%▼ from 6.00%
- Oct 8, 20266.00%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.50%▲ from 5.00%
- Oct 8, 20265.00%first recorded
As Low As; Vehicles must be 5 model years or newer (including the current year); mileage must not exceed 100,000 miles
Published APR range: 5.54% - 16.74%. Model Year: 2025 - Newer
- Oct 7, 20265.54%▲ from 5.14%
- Sep 15, 20265.14%first recorded
($15,000+)
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As; *
Additional APR listed for this product: 7.99%. Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. Certain rate discounts and premiums may apply based on the specific factors of each application. Possible 0.25% rate discount is available, depending on your credit score, for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.25%.
Rates listed are for Autos two years old or newer. Other rates and terms available for autos up to 4 years old. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Payments listed are only examples. Payment examples are based off a Payment Saver auto loan with the term & APR listed above calculating the payment per $1,000.
As Low As; ($25,000); APR includes 0.25% automatic payment and direct deposit discount
As Low As; ($25,000); APR includes 0.25% automatic payment and direct deposit discount
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Model Year: 2024 and Newer
As Low As; Auto loan APR
As Low As; New vehicle is less than 2 years old and less than 30,000 miles
- Oct 5, 20265.74%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Used vehicle is more than 2 years old or more than 30,000 miles
Published APR range: 5.74% - 18.00%. Vehicle Year: 2020-2026; Condition: Used
Term: up to 60 months financing; As Low As; *
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 7; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.75%▼ from 6.25%
- Oct 8, 20266.25%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.75%▲ from 5.25%
- Oct 8, 20265.25%first recorded
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
- Oct 13, 20265.75%▼ from 7.50%
- Sep 17, 20267.50%first recorded
As Low As; Fixed Rate
As Low As; Fixed Rate
As Low As; Annual Percentage Rate (APR) as low as; Vehicle Loans - Auto Loans; Rates subject to change; Please call for quote
As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting
As low as
As low as
Published APR range: 5.89% - 18%. Estimated Monthly Payment Examples: $385.63 a month based on a 5-year, $20,000 loan at 5.89% APR. Lowest rates advertised are based on an established member's loan with a term of 60 months or less and LTV of 90% or less. Rates are higher for LTV over 90% or terms greater than 60 months. Collateral not to exceed 150,000 in mileage. LTV is based on Kelley Blue Book wholesale or dealer invoice. Terms up to 84 months.
Published APR range: 5.94% - 17.24%. Model Year: 2025 - Newer
- Oct 7, 20265.94%▲ from 5.54%
- Sep 15, 20265.54%first recorded
Published APR range: 5.99% - 17.24%. Model Year: 2019 - 2024
- Sep 27, 20265.99%▲ from 5.64%
- Sep 15, 20265.64%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Model Year: 2024 and Newer; $20,000 min. loan
As Low As; Auto loan APR
APR (As low as); Estimated payment per $1000: $14.61
As Low As; Used vehicle is more than 2 years old or more than 30,000 miles
As Low As
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027
Credit Scores: 625-724; Percent Financed: 100%
Credit Scores: 550-624; Percent Financed: 100%
Credit Scores: 750-850; Percent Financed: 100%
Credit Scores: 650-749; Percent Financed: 100%
Vehicle year 2025 - 2026; Maximum Term in Years: 3
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
Vehicle year 2025 - 2026; Maximum Term in Years: 4
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
- Oct 13, 20266.00%▼ from 7.50%
- Sep 17, 20267.50%first recorded
As Low As; Vehicle must be prior year, current year or upcoming year model with 15,000 miles or less, and never previously titled
Published APR range: 6.00% - 18.00%. Vehicle Year: Older-2019; Condition: Used
As Low As; APR* (As low as); Estimated payment per $1000: $16.05; APR = Annual percentage rate. Rates may vary.
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Eligible model years 2023-2026. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
Published APR range: 6.09% - 8.49%. Model Year: 2025 - Newer
- Oct 7, 20266.09%▲ from 5.74%
- Sep 15, 20265.74%first recorded
South Carolina New Auto Auto Loan Rates
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
Credit Scores: 800-850; Percent Financed: 100%
As Low As; APR and up
As Low As
As Low As; Rates subject to change.
Published APR range: 3.99%-17.99%.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Depending on Age; Rates effective as of 1/1/2026
As Low As
Credit Scores: 725-799; Percent Financed: 100%
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
As low as
APR range: 4.24%^-9.99%
APR range: 4.24%^-9.99%
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Auto loan APR
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
As Low As; Fixed Rate
As Low As
As Low As; Rates subject to change.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Model Year: 2024 and Newer
As Low As; Auto loan APR
APR (As low as); Estimated payment per $1000: $22.80
As Low As; New vehicle is less than 2 years old and less than 30,000 miles
- Oct 5, 20264.49%▲ from 3.74%
- Sep 14, 20263.74%first recorded
As Low As; Requires direct deposit with Parda Federal Credit Union; For qualified borrowers; Rate and term may vary based on credit score, year of collateral and loan-to-value
As Low As
Additional APR listed for this product: 5.49%, 6.49%, 7.00%. As Low As; Model Year: 0 - 1 year
Credit Scores: 800-850; Percent Financed: 100%
Credit Scores: 625-724; Percent Financed: 100%
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
- Oct 13, 20264.50%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
As Low As; Fixed Rate
As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting
As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting
As Low As; Vehicle must be prior year, current year or upcoming year model with 15,000 miles or less, and never previously titled
Published APR range: 4.50% - 18.00%. Vehicle Year: New; APR* range
As Low As
As Low As; Rates subject to change.
As Low As
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Auto loan APR
As Low As; Minimum loan amount $5,000; rates based on 2024 model vehicle or newer, excellent credit, LTV less than 80%; rates effective June 10, 2026
As Low As; New vehicle is less than 2 years old and less than 30,000 miles
- Oct 5, 20264.74%▲ from 3.99%
- Sep 21, 20263.99%first recorded
As Low As; New vehicle is less than 2 years old and less than 30,000 miles
- Oct 5, 20264.74%▲ from 3.99%
- Sep 21, 20263.99%first recorded
As Low As; Requires direct deposit with Parda Federal Credit Union; For qualified borrowers; Rate and term may vary based on credit score, year of collateral and loan-to-value
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
- Oct 13, 20264.75%▼ from 6.50%
- Sep 17, 20266.50%first recorded
As Low As; Minimum loan amount $5,000; rates based on 2024 model vehicle or newer, excellent credit, LTV less than 80%; rates effective June 10, 2026
Term: up to 60 months financing; As Low As; *
As Low As; Fixed Rate
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Auto loan APR
APR (As low as); Estimated payment per $1000: $17.36
As Low As; Requires direct deposit with Parda Federal Credit Union; For qualified borrowers; Rate and term may vary based on credit score, year of collateral and loan-to-value
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027
As Low As; As of October 1, 2026
Published APR range: 4.99% - 18.00%. Vehicle Year: New; APR* range
Credit Scores: 800-850; Percent Financed: 100%
Credit Scores: 725-799; Percent Financed: 100%
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 3; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.00%▼ from 5.50%
- Oct 8, 20265.50%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 4; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.00%▼ from 5.50%
- Oct 8, 20265.50%first recorded
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
- Oct 13, 20265.00%▼ from 7.00%
- Sep 17, 20267.00%first recorded
As Low As; Approved rate not lower than 5.00% APR including applicable discounts
As Low As; Approved rate not lower than 5.00% APR including applicable discounts
As Low As; $15,000 minimum amount financed for a 72-month term; Approved rate not lower than 5.00% APR including applicable discounts
As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting
As Low As; Vehicle must be prior year, current year or upcoming year model with 15,000 miles or less, and never previously titled
As Low As; Minimum loan amount $5,000; rates based on 2024 model vehicle or newer, excellent credit, LTV less than 80%; rates effective June 10, 2026
As Low As; $25,000 minimum amount financed for an 84-month term; Approved rate not lower than 5.00% APR including applicable discounts
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Model Year: 2024 and Newer
As Low As; Auto loan APR
As Low As; Requires direct deposit with Parda Federal Credit Union; For qualified borrowers; Rate and term may vary based on credit score, year of collateral and loan-to-value
Published APR range: 5.24% - 18.00%. Vehicle Year: New; APR* range
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 5; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▼ from 5.75%
- Oct 8, 20265.75%first recorded
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
- Oct 13, 20265.25%▼ from 7.00%
- Sep 17, 20267.00%first recorded
As Low As
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
APR (As low as); Estimated payment per $1000: $15.79
Published APR range: 5.49% - 18.00%. Vehicle Year: New; APR* range
Credit Scores: 725-799; Percent Financed: 100%
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 6; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.50%▼ from 6.00%
- Oct 8, 20266.00%first recorded
Published APR range: 5.54% - 16.74%. Model Year: 2025 - Newer
- Oct 7, 20265.54%▲ from 5.14%
- Sep 15, 20265.14%first recorded
($15,000+)
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As; *
As Low As; ($25,000); APR includes 0.25% automatic payment and direct deposit discount
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Model Year: 2024 and Newer
As Low As; New vehicle is less than 2 years old and less than 30,000 miles
- Oct 5, 20265.74%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 7; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.75%▼ from 6.25%
- Oct 8, 20266.25%first recorded
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
- Oct 13, 20265.75%▼ from 7.50%
- Sep 17, 20267.50%first recorded
As Low As; Fixed Rate
As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting
As low as
As low as
Published APR range: 5.89% - 18%. Estimated Monthly Payment Examples: $385.63 a month based on a 5-year, $20,000 loan at 5.89% APR. Lowest rates advertised are based on an established member's loan with a term of 60 months or less and LTV of 90% or less. Rates are higher for LTV over 90% or terms greater than 60 months. Collateral not to exceed 150,000 in mileage. LTV is based on Kelley Blue Book wholesale or dealer invoice. Terms up to 84 months.
Published APR range: 5.94% - 17.24%. Model Year: 2025 - Newer
- Oct 7, 20265.94%▲ from 5.54%
- Sep 15, 20265.54%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Model Year: 2024 and Newer; $20,000 min. loan
APR (As low as); Estimated payment per $1000: $14.61
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027
Credit Scores: 625-724; Percent Financed: 100%
Credit Scores: 550-624; Percent Financed: 100%
Vehicle year 2025 - 2026; Maximum Term in Years: 3
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
Vehicle year 2025 - 2026; Maximum Term in Years: 4
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
- Oct 13, 20266.00%▼ from 7.50%
- Sep 17, 20267.50%first recorded
As Low As; Vehicle must be prior year, current year or upcoming year model with 15,000 miles or less, and never previously titled
Published APR range: 6.09% - 8.49%. Model Year: 2025 - Newer
- Oct 7, 20266.09%▲ from 5.74%
- Sep 15, 20265.74%first recorded
South Carolina Used Auto Auto Loan Rates
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
Published APR range: 3.99%-17.99%.
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
APR range: 4.24%^-9.99%
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
As Low As; Fixed Rate
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Model Year: 2024 and Newer
As Low As; Requires direct deposit with Parda Federal Credit Union; For qualified borrowers; Rate and term may vary based on credit score, year of collateral and loan-to-value
As Low As
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
- Oct 13, 20264.50%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
As Low As; Fixed Rate
As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting
As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting
As Low As
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Minimum loan amount $5,000; rates based on 2024 model vehicle or newer, excellent credit, LTV less than 80%; rates effective June 10, 2026
As Low As; Requires direct deposit with Parda Federal Credit Union; For qualified borrowers; Rate and term may vary based on credit score, year of collateral and loan-to-value
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
- Oct 13, 20264.75%▼ from 6.50%
- Sep 17, 20266.50%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Minimum loan amount $5,000; rates based on 2024 model vehicle or newer, excellent credit, LTV less than 80%; rates effective June 10, 2026
As Low As
As Low As; Fixed Rate
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Requires direct deposit with Parda Federal Credit Union; For qualified borrowers; Rate and term may vary based on credit score, year of collateral and loan-to-value
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027
Published APR range: 4.99% - 18.00%. Vehicle Year: 2020-2026; Condition: Used
Credit Scores: 750-850; Percent Financed: 100%
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
- Oct 13, 20265.00%▼ from 7.00%
- Sep 17, 20267.00%first recorded
As Low As; Approved rate not lower than 5.00% APR including applicable discounts
As Low As; Approved rate not lower than 5.00% APR including applicable discounts
As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting
As Low As; Minimum loan amount $5,000; rates based on 2024 model vehicle or newer, excellent credit, LTV less than 80%; rates effective June 10, 2026
As low as
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Model Year: 2024 and Newer
As Low As; Approved rate not lower than 5.00% APR including applicable discounts
As Low As; Auto loan APR
As Low As; APR* (As low as); Estimated payment per $1000: $17.48; APR = Annual percentage rate. Rates may vary.
As Low As; Requires direct deposit with Parda Federal Credit Union; For qualified borrowers; Rate and term may vary based on credit score, year of collateral and loan-to-value
Term: up to 60 months financing; As Low As
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
- Oct 13, 20265.25%▼ from 7.00%
- Sep 17, 20267.00%first recorded
As Low As
As Low As; Rates subject to change.
As Low As
As Low As; Rates subject to change.
As Low As; Auto loan APR
Additional APR listed for this product: 6.00%, 7.00%, 7.49%. As Low As; Model Year: 2 - 10 years
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.50%▲ from 5.00%
- Oct 8, 20265.00%first recorded
As Low As; Vehicles must be 5 model years or newer (including the current year); mileage must not exceed 100,000 miles
($15,000+)
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
Additional APR listed for this product: 7.99%. Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. Certain rate discounts and premiums may apply based on the specific factors of each application. Possible 0.25% rate discount is available, depending on your credit score, for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.25%.
As Low As; ($25,000); APR includes 0.25% automatic payment and direct deposit discount
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Model Year: 2024 and Newer
As Low As; Auto loan APR
Published APR range: 5.74% - 18.00%. Vehicle Year: 2020-2026; Condition: Used
Term: up to 60 months financing; As Low As; *
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.75%▲ from 5.25%
- Oct 8, 20265.25%first recorded
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
- Oct 13, 20265.75%▼ from 7.50%
- Sep 17, 20267.50%first recorded
As Low As; Fixed Rate
As Low As; Rates effective as of September 1, 2026; APR may vary based on credit history and underwriting
Published APR range: 5.99% - 17.24%. Model Year: 2019 - 2024
- Sep 27, 20265.99%▲ from 5.64%
- Sep 15, 20265.64%first recorded
As Low As; Model Year: 2024 and Newer; $20,000 min. loan
As Low As; Auto loan APR
As Low As
Credit Scores: 750-850; Percent Financed: 100%
Credit Scores: 650-749; Percent Financed: 100%
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
- Oct 13, 20266.00%▼ from 7.50%
- Sep 17, 20267.50%first recorded
Published APR range: 6.00% - 18.00%. Vehicle Year: Older-2019; Condition: Used
As Low As; APR* (As low as); Estimated payment per $1000: $16.05; APR = Annual percentage rate. Rates may vary.
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Eligible model years 2023-2026. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
South Carolina Auto Loan Rate Trends
Compare local South Carolina auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
South Carolina new auto rates rose 0.044 points over the past 7 days to 5.206% APR.
South Carolina used auto rates fell 0.069 points over the past 7 days to 5.697% APR.
South Carolina Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current South Carolina figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average South Carolina APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.21% APR SC average | Used Auto @ 5.70% APR SC average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.49/mo | $287.88/mo | $3.40/mo |
| $25,000 | $474.14/mo | $479.81/mo | $5.67/mo |
| $35,000 | $663.80/mo | $671.73/mo | $7.93/mo |
| $45,000 | $853.46/mo | $863.65/mo | $10.20/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in South Carolina
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving South Carolina locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in South Carolina. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a South Carolina high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: South Carolina CD rates lock in a guaranteed return until you’re ready to buy
South Carolina Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $569 monthly car payment works out to roughly 16.4% of the median individual income in South Carolina. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in South Carolina, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in South Carolina. We’ve prefilled the APR with today’s SC new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our South Carolina auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for South Carolina directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in South Carolina. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in SC.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in South Carolina
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in South Carolina
How does my credit score affect my car loan rate in South Carolina?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in South Carolina?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in South Carolina?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in South Carolina?
- Market USA Federal Credit Union: 3.49% (New Auto Loan)
- Columbia Post Office Credit Union: 3.50% (New Cars 2024-2027 Loan)
- Tru Federal Credit Union: 3.50% (New Vehicle Loan)
- Navy Federal Credit Union: 3.89% (New Auto Loan)
- Curis Financial Credit Union: 3.99% (New or Used Car/Truck/Van Loan)
South Carolina Rates & Resources
Auto Loan Rates by City in South Carolina
