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South Carolina Best Auto Loan Rates - September 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in South Carolina. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
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: 4.77% offering New Auto Loan at 3.49%, Greenwood Municipal Federal Credit UnionGreenwood Municipal Federal Credit Union617 Durst Ave E, Greenwood, SC, 29649 2713A+5.0 ★Texas Ratio: 1.85% offering New Vehicle Loan at 3.50%, Greenville Federal Credit UnionGreenville Federal Credit Union1501 Wade Hampton Blvd, Greenville, SC, 29609A+5.0 ★Texas Ratio: 1.86% offering New Vehicle Loan at 3.74%, SPC Credit UnionSPC Credit Union204 N 5th St, Hartsville, SC, 29550 4136A+5.0 ★Texas Ratio: 5.09% offering Car Loan Special at 3.90%, South Carolina State Federal Credit UnionSouth Carolina State Federal Credit Union800 Huger St, Columbia, SC, 29201 3620A+5.0 ★Texas Ratio: 2.90% offering New Car Loan at 3.95%. Auto loan rates as of September 21, 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: September 21, 2026
Compare Auto Loan Rates Today in South Carolina
South Carolina Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
New Auto Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedSep 20, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
Used Auto Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedSep 20, 2026
Details
As Low As
Greenwood Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
617 Durst Ave E, Greenwood, SC, 29649 2713
New Vehicle Loan
3.50%
Up to 120 months*
▼
APR3.50%
TermUp to 120 months*
Last UpdatedSep 21, 2026
Details
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
1501 Wade Hampton Blvd, Greenville, SC, 29609
New Vehicle Loan
3.74%
36 months or less
▼
APR3.74%
Term36 months or less
Last UpdatedSep 21, 2026
Details
as low as; *5
SPC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
204 N 5th St, Hartsville, SC, 29550 4136
Car Loan Special
3.90%
60 months
▼
APR3.90%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As; Payment example: on a $35,000 auto at 3.9% APR for 60 months, your payment would be $643/month. Financing up to 84 months available for qualifying vehicles.
SPC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
204 N 5th St, Hartsville, SC, 29550 4136
Car Loan Special
3.90%
72 months
▼
APR3.90%
Term72 months
Last UpdatedSep 21, 2026
Details
As Low As; Payment example: On a $35,000 auto at 3.9% APR for 72 months, your monthly payment would be $546/ month. Financing up to 84 months available for qualifying vehicles.
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
800 Huger St, Columbia, SC, 29201 3620
New Car Loan
3.95%
up to 72 months
▼
APR3.95%
Termup to 72 months
Last UpdatedSep 21, 2026
Details
Max term of 96 months
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
New Auto
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details
As Low As
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedSep 16, 2026
Details
(2023-New)
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC, 29680
New Auto Loan
3.99%
Up to 48 Months
▼
APR3.99%
TermUp to 48 Months
Last UpdatedSep 16, 2026
Details
As Low As; New Auto Loan
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC, 29680
New Auto Loan
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedSep 16, 2026
Details
As Low As; New Auto Loan
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC, 29680
New Auto Loan
3.99%
Up to 48 Month
▼
APR3.99%
TermUp to 48 Month
Last UpdatedSep 16, 2026
Details
Term: Up to 48 Month Financing; As Low As; New Auto Loan
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC, 29680
New Auto Loan
3.99%
60 Month Financing
▼
APR3.99%
Term60 Month Financing
Last UpdatedSep 16, 2026
Details
As Low As; New Auto Loan
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
9 Richland Medical Park Dr, Columbia, SC, 29203 6895
New or Used Car/Truck/Van Loan
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
Secured Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
116 NE Main St, Simpsonville, SC, 29681 2656
New Auto Loans
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedSep 21, 2026
Details
As Low As; Rates and terms are subject to credit approval and may vary based on credit history, loan term, vehicle year, mileage, loan-to-value, and how/when the vehicle has been titled. Rates are effective as of 1/1/2026 and subject to change without notice.
Secured Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
116 NE Main St, Simpsonville, SC, 29681 2656
Vehicles Loan
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedSep 21, 2026
Details
Term: Up to 84 months, Depending on Age; As Low As
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
1501 Wade Hampton Blvd, Greenville, SC, 29609
New Vehicle Loan
3.99%
48 months or less
▼
APR3.99%
Term48 months or less
Last UpdatedSep 21, 2026
Details
as low as; *5
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
1501 Wade Hampton Blvd, Greenville, SC, 29609
New Vehicle Loan
3.99%
60 months or less
▼
APR3.99%
Term60 months or less
Last UpdatedSep 21, 2026
Details
as low as; *5
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC, 29405
New Autos
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
As low as
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC, 29730
New Auto Loans
3.99%
0 - 48 months
▼
APR3.99%
Term0 - 48 months
Last UpdatedSep 21, 2026
Details
Rates as low as; New Auto Loans (0 - 1 year)
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC, 29483
New Auto
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 730+ Score Loan
4.00%
24 Mo.
▼
APR4.00%
Interest Rate4.00%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 730+ Score Loan
4.00%
36 Mo.
▼
APR4.00%
Interest Rate4.00%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
New Auto
4.24%
37 to 48 Months
▼
APR4.24%
Term37 to 48 Months
Last UpdatedSep 16, 2026
Details
As Low As
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
New Autos
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As low as
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 730+ Score Loan
4.25%
48 Mo.
▼
APR4.25%
Interest Rate4.25%
Term48 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC, 29607 2761
Used Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As; Fixed Rate
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
New Auto
4.49%
49 to 60 Months
▼
APR4.49%
Term49 to 60 Months
Last UpdatedSep 16, 2026
Details
As Low As
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
Used Auto (2024 & Older)
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details
As Low As
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC, 29680
New Auto Loan
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedSep 16, 2026
Details
As Low As; New Auto Loan
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC, 29680
New Auto Loan
4.49%
72 Month Financing
▼
APR4.49%
Term72 Month Financing
Last UpdatedSep 16, 2026
Details
As Low As; New Auto Loan
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC, 29615
New Auto Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As; The offer is good on 2019 to 2026 year models. The vehicle must be reporting on your credit for at least six months. The minimum loan amount for this offer is $5,000. Terms and conditions apply.
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
522 Exchange St, Shaw AFB, SC, 29152 5032
2024 and Newer Auto Loan
4.49%
12-36 months
▼
APR4.49%
Term12-36 months
Last UpdatedSep 20, 2026
Details
As Low As; Auto Loan
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
New Autos
4.49%
37 - 48 Months
▼
APR4.49%
Term37 - 48 Months
Last UpdatedSep 21, 2026
Details
As low as
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC, 29161
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedSep 21, 2026
Details
As low as
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
1835 Bypass 72 NE, Greenwood, SC, 29649
New and Used Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
As Low As*
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC, 29405
New Autos
4.49%
37 - 60 months
▼
APR4.49%
Term37 - 60 months
Last UpdatedSep 21, 2026
Details
As low as
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC, 29405
Used Autos
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
As low as
Edisto Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1880 Russell St, Orangeburg, SC, 29115 6107
Used Auto Loan
4.50%
More than 60 mos.
▼
APR4.50%
TermMore than 60 mos.
Last UpdatedSep 14, 2026
Details
Rate: 4.5% - 14.95%; Maximum: $30,000
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC, 29301
Auto Loans
4.50%
3 years
▼
APR4.50%
Term3 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 4.50%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC, 29301
Auto Loans
4.50%
4 years
▼
APR4.50%
Term4 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 4.50%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 680 - 729 Score Loan
4.50%
24 Mo.
▼
APR4.50%
Interest Rate4.50%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 680 - 729 Score Loan
4.50%
36 Mo.
▼
APR4.50%
Interest Rate4.50%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 730+ Score Loan
4.50%
60 Mo.
▼
APR4.50%
Interest Rate4.50%
Term60 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC, 29607 2761
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedSep 21, 2026
Details
As Low As; Fixed Rate
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC, 29615
New & Used Vehicles Loan
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedSep 21, 2026
Details
As low as
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC, 29615
New & Used Vehicles Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 21, 2026
Details
As low as
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC, 29615
New or Used Auto Loans
4.50%
24-84 months
▼
APR4.50%
Term24-84 months
Last UpdatedSep 21, 2026
Details
Rates effective as of September 1, 2026. Subject to change.* Annual Percentage Rate (APR) may vary depending on each individual's credit history and underwriting factors. All loans subject to credit union approval. All credit union loan promotional offers, programs, rates, terms and conditions are subject to change at any time and without notice. Offer may end at any time. Other restrictions may apply. Loan rates are based on applicant's creditworthiness and may vary from those shown above. Rates, terms and conditions are subject to change without notice. All loans subject to approval. Membership eligibility required.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
110 Outlet Pointe Blvd, Columbia, SC, 29210
New Auto Loans
4.50%
12-36 Months
▼
APR4.50%
Term12-36 Months
Last UpdatedSep 21, 2026
Details
As Low As; *
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC, 29625
New Vehicle Loan
4.50%
up to 48 months
▼
APR4.50%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.50% - 18.00%.
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC, 29405
New Autos
4.69%
61 - 72 months
▼
APR4.69%
Term61 - 72 months
Last UpdatedSep 21, 2026
Details
As low as
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC, 29405
Used Autos
4.69%
37 - 60 months
▼
APR4.69%
Term37 - 60 months
Last UpdatedSep 21, 2026
Details
As low as
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
Used Auto (2024 & Older)
4.74%
37 to 48 Months
▼
APR4.74%
Term37 to 48 Months
Last UpdatedSep 16, 2026
Details
As Low As
Empeople Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
104 Trade St Ste G, Greer, SC, 29651
60 Month New Auto Loans
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedSep 18, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
New Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedSep 20, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedSep 20, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedSep 20, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
Used Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedSep 20, 2026
Details
As Low As
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
New Autos
4.74%
49 - 60 Months
▼
APR4.74%
Term49 - 60 Months
Last UpdatedSep 21, 2026
Details
As low as
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC, 29207
New or Used Auto Loans
4.74%
Up to 63 months
▼
APR4.74%
Interest Rate4.74%
TermUp to 63 months
Last UpdatedSep 21, 2026
Details
As Low As; Rates quoted are based on a 2024 model vehicle or newer, assume excellent borrower credit history, and an LTV less than 80%.
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
1835 Bypass 72 NE, Greenwood, SC, 29649
New and Used Auto Loans
4.74%
37 - 48 months
▼
APR4.74%
Term37 - 48 months
Last UpdatedSep 21, 2026
Details
As Low As*
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
10660 Dunbarton Blvd, Barnwell, SC, 29812
New Vehicle (2024 or Newer) Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As low as; *
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
10660 Dunbarton Blvd, Barnwell, SC, 29812
New Vehicle (2024 or Newer) Auto Loan
4.74%
37-48 Months
▼
APR4.74%
Term37-48 Months
Last UpdatedSep 21, 2026
Details
As low as; *
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
10660 Dunbarton Blvd, Barnwell, SC, 29812
New Vehicle (2024 or Newer) Auto Loan
4.74%
49-60 Months
▼
APR4.74%
Term49-60 Months
Last UpdatedSep 21, 2026
Details
As low as; *
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC, 29483
Used Auto
4.75%
Up to 36 months
▼
APR4.75%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC, 29301
Auto Loans
4.75%
5 years
▼
APR4.75%
Term5 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 4.75%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC, 29301
Auto Loans
4.75%
3 years
▼
APR4.75%
Term3 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 4.75%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC, 29301
Auto Loans
4.75%
4 years
▼
APR4.75%
Term4 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 4.75%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 680 - 729 Score Loan
4.75%
48 Mo.
▼
APR4.75%
Interest Rate4.75%
Term48 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 680 - 729 Score Loan
4.75%
60 Mo.
▼
APR4.75%
Interest Rate4.75%
Term60 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
New Vehicles - 2026 and Newer model years Loan
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedSep 21, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
New Vehicles - 2026 and Newer model years Loan
4.75%
49-60 months
▼
APR4.75%
Term49-60 months
Last UpdatedSep 21, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
Used Vehicles - 2026 and 2025 model years Loan
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedSep 21, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
New Vehicles - 2026 and Newer model years Loan
4.84%
61-72 months
▼
APR4.84%
Term61-72 months
Last UpdatedSep 21, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
Used Vehicles - 2026 and 2025 model years Loan
4.84%
2025 Mo
▼
APR4.84%
Term2025 Mo
Last UpdatedSep 21, 2026
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC, 29207
New or Used Auto Loans
4.84%
64 - 75 months
▼
APR4.84%
Interest Rate4.84%
Term64 - 75 months
Last UpdatedSep 21, 2026
Details
As Low As; Rates quoted are based on a 2024 model vehicle or newer, assume excellent borrower credit history, and an LTV less than 80%.
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC, 29405
New vehicles Loan
4.89%
60 months
▼
APR4.89%
Term60 months
Last UpdatedSep 21, 2026
Details
Rates listed are best available based on approved credit; actual rate offered may be higher depending upon applicant credit rating and other underwriting factors. All advertised rates are subject to change without notice. Not all borrowers will qualify. Subject to terms and conditions. Minimum FICO score required to be eligible. For a $15,000 vehicle loan at 4.89% APR and a payment term of 60 months, your monthly payment will be $283.00. This amount does not include optional vehicle protection coverage.
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC, 29405
Used Autos
4.89%
61 - 72 months
▼
APR4.89%
Term61 - 72 months
Last UpdatedSep 21, 2026
Details
As low as
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC, 29607 2761
Used Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedSep 21, 2026
Details
As Low As; Fixed Rate
South Carolina Methodist Conference Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
4901 Colonial Dr, Columbia, SC, 29203
New Auto or Truck
4.95%
up to 60 months
▼
APR4.95%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Term: up to 60 months financing; As Low As; *
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
New Auto
4.99%
61 to 72 Months
▼
APR4.99%
Term61 to 72 Months
Last UpdatedSep 16, 2026
Details
As Low As
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
Used Auto (2024 & Older)
4.99%
49 to 60 Months
▼
APR4.99%
Term49 to 60 Months
Last UpdatedSep 16, 2026
Details
As Low As
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC, 29680
New Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedSep 16, 2026
Details
As Low As; New Auto Loan
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC, 29680
New Auto Loan
4.99%
84 Month Financing
▼
APR4.99%
Term84 Month Financing
Last UpdatedSep 16, 2026
Details
As Low As; New Auto Loan
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
Used Vehicles - 2024, 2023, and 2022 model years Loan
4.99%
Up to 48 months
▼
APR4.99%
TermUp to 48 months
Last UpdatedSep 21, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
Used Vehicles - 2026 and 2025 model years Loan
4.99%
2025 Mo
▼
APR4.99%
Term2025 Mo
Last UpdatedSep 21, 2026
Details
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
New Autos
4.99%
61 - 72 Months
▼
APR4.99%
Term61 - 72 Months
Last UpdatedSep 21, 2026
Details
As low as
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC, 29161
New Automobiles (2025 and Newer)
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedSep 21, 2026
Details
As low as
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
1501 Wade Hampton Blvd, Greenville, SC, 29609
New Vehicle Loan
4.99%
72 months or less
▼
APR4.99%
Term72 months or less
Last UpdatedSep 21, 2026
Details
as low as; *5
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
1501 Wade Hampton Blvd, Greenville, SC, 29609
Vehicle Loan
4.99%
48 months or less
▼
APR4.99%
Term48 months or less
Last UpdatedSep 21, 2026
Details
as low as; *6
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
1835 Bypass 72 NE, Greenwood, SC, 29649
New and Used Auto Loans
4.99%
49 - 60 months
▼
APR4.99%
Term49 - 60 months
Last UpdatedSep 21, 2026
Details
As Low As*
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC, 29625
New Vehicle Loan
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.99% - 18.00%.
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC, 29625
Used Vehicles Loan
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.99% - 18.00%. Vehicle Year: 2020-2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC, 29730
New Auto Loans
4.99%
49 - 60 months
▼
APR4.99%
Term49 - 60 months
Last UpdatedSep 21, 2026
Details
Rates as low as; New Auto Loans (0 - 1 year)
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC, 29730
Used Auto Loans
4.99%
0 - 48 months
▼
APR4.99%
Term0 - 48 months
Last UpdatedSep 21, 2026
Details
Rates as low as; Used Auto Loans (2 - 10 years)
Columbia Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
1601 Assembly St, Columbia, SC, 29201 2762
Used Vehicles 2016-2022
5.00%
1-36 months
▼
APR5.00%
Interest Rate5.00%
Term1-36 months
Last UpdatedSep 18, 2026
Details
Credit Scores: 750-850; Percent Financed: 100%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC, 29301
Auto Loans
5.00%
6 years
▼
APR5.00%
Term6 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 5.00%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC, 29301
Auto Loans
5.00%
5 years
▼
APR5.00%
Term5 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 5.00%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 730+ Score Loan
5.00%
72 Mo.
▼
APR5.00%
Interest Rate5.00%
Term72 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC, 29615
New & Used Vehicles Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedSep 21, 2026
Details
As low as
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
110 Outlet Pointe Blvd, Columbia, SC, 29210
New Auto Loans
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As; *
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC, 29615
New Auto Loans - 2025 - Newer
5.14%
36 - 63 Months
▼
APR5.14%
Term36 - 63 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.14% - 16.74%. Model Year: 2025 - Newer
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC, 29207
New or Used Auto Loans
5.14%
76 - 84 months
▼
APR5.14%
Interest Rate5.14%
Term76 - 84 months
Last UpdatedSep 21, 2026
Details
As Low As; Rates quoted are based on a 2024 model vehicle or newer, assume excellent borrower credit history, and an LTV less than 80%.
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
New Vehicles - 2026 and Newer model years Loan
5.20%
73-84 months
▼
APR5.20%
Term73-84 months
Last UpdatedSep 21, 2026
Details
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
520 N Jefferies Blvd, Walterboro, SC, 29488
New Cars Loan
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedSep 15, 2026
Details
As Low As; 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.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
Used Auto (2024 & Older)
5.24%
61 to 72 Months
▼
APR5.24%
Term61 to 72 Months
Last UpdatedSep 16, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
New Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedSep 20, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
Used Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedSep 20, 2026
Details
As Low As
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
522 Exchange St, Shaw AFB, SC, 29152 5032
2024 and Newer Auto Loan
5.24%
37-60 months
▼
APR5.24%
Term37-60 months
Last UpdatedSep 20, 2026
Details
As Low As; Auto Loan
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
Used Vehicles - 2021 and 2020 model years Loan
5.24%
Up to 48 months
▼
APR5.24%
TermUp to 48 months
Last UpdatedSep 21, 2026
Details
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
New Autos
5.24%
Over 73 Months
▼
APR5.24%
TermOver 73 Months
Last UpdatedSep 21, 2026
Details
As low as
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
Used Autos
5.24%
Up to 36 Months
▼
APR5.24%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As low as
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC, 29161
Used Automobiles (2021 - 2024)
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedSep 21, 2026
Details
As low as
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
1501 Wade Hampton Blvd, Greenville, SC, 29609
Vehicle Loan
5.24%
60 months or less
▼
APR5.24%
Term60 months or less
Last UpdatedSep 21, 2026
Details
as low as; *6
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
1835 Bypass 72 NE, Greenwood, SC, 29649
New and Used Auto Loans
5.24%
61 - 72 months
▼
APR5.24%
Term61 - 72 months
Last UpdatedSep 21, 2026
Details
As Low As*
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
10660 Dunbarton Blvd, Barnwell, SC, 29812
New Vehicle (2024 or Newer) Auto Loan
5.24%
61-72 Months
▼
APR5.24%
Term61-72 Months
Last UpdatedSep 21, 2026
Details
As low as; *
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC, 29625
New Vehicle Loan
5.24%
up to 72 months
▼
APR5.24%
Termup to 72 months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.24% - 18.00%.
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC, 29483
New Auto
5.25%
37-48 months
▼
APR5.25%
Term37-48 months
Last UpdatedSep 18, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC, 29483
New Auto
5.25%
49-60 months
▼
APR5.25%
Term49-60 months
Last UpdatedSep 18, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC, 29483
Used Auto
5.25%
37-48 months
▼
APR5.25%
Term37-48 months
Last UpdatedSep 18, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC, 29483
Used Auto
5.25%
49-60 months
▼
APR5.25%
Term49-60 months
Last UpdatedSep 18, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC, 29301
Auto Loans
5.25%
7 years
▼
APR5.25%
Term7 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 5.25%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC, 29301
Auto Loans
5.25%
6 years
▼
APR5.25%
Term6 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 5.25%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 680 - 729 Score Loan
5.25%
72 Mo.
▼
APR5.25%
Interest Rate5.25%
Term72 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
South Carolina Methodist Conference Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
4901 Colonial Dr, Columbia, SC, 29203
Used Auto or Truck
5.25%
up to 60 months
▼
APR5.25%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Term: up to 60 months financing; As Low As
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
10660 Dunbarton Blvd, Barnwell, SC, 29812
Used (2020-2023 Model) Auto Loan
5.29%
Up to 36 Months
▼
APR5.29%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As low as; *
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
10660 Dunbarton Blvd, Barnwell, SC, 29812
Used (2020-2023 Model) Auto Loan
5.29%
2023 Mo
▼
APR5.29%
Term2023 Mo
Last UpdatedSep 21, 2026
Details
As low as; *
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
1301 Gervais St, Columbia, SC, 29201
New car (dealer) Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC, 29405
New Autos
5.39%
73-84 months
▼
APR5.39%
Term73-84 months
Last UpdatedSep 21, 2026
Details
As low as
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
Used Vehicles - 2024, 2023, and 2022 model years Loan
5.44%
2022 Mo
▼
APR5.44%
Term2022 Mo
Last UpdatedSep 21, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
Used Vehicles - 2026 and 2025 model years Loan
5.44%
2025 Mo
▼
APR5.44%
Term2025 Mo
Last UpdatedSep 21, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC, 29680
2021-2016 Vehicles - 50,001 to 130,000 miles Loan
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedSep 16, 2026
Details
As Low As; Miles: 50,001 to 130,000
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
Used Autos
5.49%
37 - 48 Months
▼
APR5.49%
Term37 - 48 Months
Last UpdatedSep 21, 2026
Details
As low as
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC, 29161
New Automobiles (2025 and Newer)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedSep 21, 2026
Details
As low as
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
1501 Wade Hampton Blvd, Greenville, SC, 29609
New Vehicle Loan
5.49%
84 months or less
▼
APR5.49%
Term84 months or less
Last UpdatedSep 21, 2026
Details
as low as; *5
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC, 29625
New Vehicle Loan
5.49%
up to 84 months
▼
APR5.49%
Termup to 84 months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.49% - 18.00%.
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
5.50%
37-48 months
▼
APR5.50%
Term37-48 months
Last UpdatedSep 16, 2026
Details
(2023-New)
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC, 29483
New Auto
5.50%
61-75 months
▼
APR5.50%
Term61-75 months
Last UpdatedSep 18, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC, 29483
Used Auto
5.50%
61-75 months
▼
APR5.50%
Term61-75 months
Last UpdatedSep 18, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC, 29301
Auto Loans
5.50%
3 years
▼
APR5.50%
Term3 years
Last UpdatedSep 20, 2026
Details
APR*: 5.50%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC, 29301
Auto Loans
5.50%
4 years
▼
APR5.50%
Term4 years
Last UpdatedSep 20, 2026
Details
APR*: 5.50%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 730+ Score Loan
5.50%
84 Mo.
▼
APR5.50%
Interest Rate5.50%
Term84 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Used Auto Loans
5.50%
12-36 Months
▼
APR5.50%
Term12-36 Months
Last UpdatedSep 21, 2026
Details
As Low As;*
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC, 29730
Used Auto Loans
5.50%
49 - 60 months
▼
APR5.50%
Term49 - 60 months
Last UpdatedSep 21, 2026
Details
Rates as low as; Used Auto Loans (2 - 10 years)
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC, 29615
New Auto Loans - 2025 - Newer
5.54%
64 - 75 Months
▼
APR5.54%
Term64 - 75 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.54% - 17.24%. Model Year: 2025 - Newer
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
5.55%
49-60 months
▼
APR5.55%
Term49-60 months
Last UpdatedSep 16, 2026
Details
(2023-New)
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
1301 Gervais St, Columbia, SC, 29201
Used car (dealer) Loan
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
5.60%
61-72 months
▼
APR5.60%
Term61-72 months
Last UpdatedSep 16, 2026
Details
(2023-New) ($15,000+)
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC, 29615
Used Auto Loan
5.64%
36 - 63 Months
▼
APR5.64%
Term36 - 63 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.64% - 17.24%. Model Year: 2019 - 2024
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
520 N Jefferies Blvd, Walterboro, SC, 29488
New Cars Loan
5.70%
84 months
▼
APR5.70%
Term84 months
Last UpdatedSep 15, 2026
Details
As Low As; 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.
South Carolina Methodist Conference Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
4901 Colonial Dr, Columbia, SC, 29203
New Auto or Truck
5.70%
72 months financing
▼
APR5.70%
Term72 months financing
Last UpdatedSep 21, 2026
Details
As Low As; *
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
New Auto
5.74%
73 to 84 Months
▼
APR5.74%
Term73 to 84 Months
Last UpdatedSep 16, 2026
Details
As Low As; ($25,000)
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
Used Auto (2024 & Older)
5.74%
73 to 84 Months
▼
APR5.74%
Term73 to 84 Months
Last UpdatedSep 16, 2026
Details
As Low As; ($25,000)
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC, 29615
New Auto Loans - 2025 - Newer
5.74%
76 - 84 Months
▼
APR5.74%
Term76 - 84 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.74% - 8.49%. Model Year: 2025 - Newer
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
New Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedSep 20, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
Used Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedSep 20, 2026
Details
As Low As
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
522 Exchange St, Shaw AFB, SC, 29152 5032
2024 and Newer Auto Loan
5.74%
61-75 months
▼
APR5.74%
Term61-75 months
Last UpdatedSep 20, 2026
Details
As Low As; Auto Loan
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
Used Autos
5.74%
49 - 60 Months
▼
APR5.74%
Term49 - 60 Months
Last UpdatedSep 21, 2026
Details
As low as
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
1501 Wade Hampton Blvd, Greenville, SC, 29609
Vehicle Loan
5.74%
72 months or less
▼
APR5.74%
Term72 months or less
Last UpdatedSep 21, 2026
Details
as low as; *6
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC, 29625
Used Vehicles Loan
5.74%
up to 60 months
▼
APR5.74%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.74% - 18.00%. Vehicle Year: 2020-2026
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC, 29301
Auto Loans
5.75%
5 years
▼
APR5.75%
Term5 years
Last UpdatedSep 20, 2026
Details
APR*: 5.75%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC, 29301
Auto Loans
5.75%
3 years
▼
APR5.75%
Term3 years
Last UpdatedSep 20, 2026
Details
APR*: 5.75%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC, 29301
Auto Loans
5.75%
4 years
▼
APR5.75%
Term4 years
Last UpdatedSep 20, 2026
Details
APR*: 5.75%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 680 - 729 Score Loan
5.75%
84 Mo.
▼
APR5.75%
Interest Rate5.75%
Term84 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC, 29607 2761
Used Automobile Loan
5.75%
61 - 72 Months
▼
APR5.75%
Term61 - 72 Months
Last UpdatedSep 21, 2026
Details
As Low As; Fixed Rate
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC, 29615
New & Used Vehicles Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedSep 21, 2026
Details
As low as
South Carolina Methodist Conference Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
4901 Colonial Dr, Columbia, SC, 29203
Used Auto or Truck
5.75%
up to 60 months
▼
APR5.75%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Term: up to 60 months financing; As Low As; *
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC, 29615
Used Auto Loan
5.79%
64 - 75 Months
▼
APR5.79%
Term64 - 75 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.79% - 16.99%. Model Year: 2019 - 2024
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
Used Vehicles - 2024, 2023, and 2022 model years Loan
5.94%
2022 Mo
▼
APR5.94%
Term2022 Mo
Last UpdatedSep 21, 2026
Details
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
522 Exchange St, Shaw AFB, SC, 29152 5032
2024 and Newer Auto Loan
5.99%
76-84 months
▼
APR5.99%
Term76-84 months
Last UpdatedSep 20, 2026
Details
As Low As; $20,000 min. loan; Auto Loan
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
Used Vehicles - 2021 and 2020 model years Loan
5.99%
2020 Mo
▼
APR5.99%
Term2020 Mo
Last UpdatedSep 21, 2026
Details
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
Used Autos
5.99%
61 - 72 Months
▼
APR5.99%
Term61 - 72 Months
Last UpdatedSep 21, 2026
Details
As low as
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC, 29161
New Automobiles (2025 and Newer)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedSep 21, 2026
Details
As low as
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC, 29405
New vehicles Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedSep 21, 2026
Details
Rates listed are best available based on approved credit; actual rate offered may be higher depending upon applicant credit rating and other underwriting factors. All advertised rates are subject to change without notice. Not all borrowers will qualify. Subject to terms and conditions. Minimum FICO score required to be eligible. For a $30,000 vehicle loan at 5.99% APR and a payment term of 84 months, your monthly payment will be $439.00. This amount does not include optional vehicle protection coverage.
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC, 29405
Used Autos
5.99%
73-84 months
▼
APR5.99%
Term73-84 months
Last UpdatedSep 21, 2026
Details
As low as
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC, 29730
New Auto Loans
5.99%
61 - 72 months
▼
APR5.99%
Term61 - 72 months
Last UpdatedSep 21, 2026
Details
Rates as low as; New Auto Loans (0 - 1 year)
Columbia Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
1601 Assembly St, Columbia, SC, 29201 2762
Used Vehicles 2016-2022
6.00%
37 to 60 months
▼
APR6.00%
Interest Rate6.00%
Term37 to 60 months
Last UpdatedSep 18, 2026
Details
Credit Scores: 750-850; Percent Financed: 100%
Columbia Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
1601 Assembly St, Columbia, SC, 29201 2762
Used Vehicles 2016-2022
6.00%
1-36 months
▼
APR6.00%
Interest Rate6.00%
Term1-36 months
Last UpdatedSep 18, 2026
Details
Credit Scores: 650-749; Percent Financed: 100%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC, 29301
Auto Loans
6.00%
6 years
▼
APR6.00%
Term6 years
Last UpdatedSep 20, 2026
Details
APR*: 6.00%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC, 29301
Auto Loans
6.00%
5 years
▼
APR6.00%
Term5 years
Last UpdatedSep 20, 2026
Details
APR*: 6.00%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles Loan
6.00%
24-48 MO.
▼
APR6.00%
Term24-48 MO.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+; Score: 730+
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
110 Outlet Pointe Blvd, Columbia, SC, 29210
New Auto Loans
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedSep 21, 2026
Details
As Low As; *
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC, 29625
Used Vehicles Loan
6.00%
up to 48 months
▼
APR6.00%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
Published APR range: 6.00% - 18.00%. Vehicle Year: Older-2019
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
1075 Tiger Blvd, Clemson, SC, 29631
New car purchase Loan
6.04%
60 months
▼
APR6.04%
Term60 months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
1075 Tiger Blvd, Clemson, SC, 29631
New car rate Loan
6.04%
60 months
▼
APR6.04%
Term60 months
Last UpdatedSep 18, 2026
Details
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC, 29161
Used Automobiles (2021 - 2024)
6.04%
75 Months
▼
APR6.04%
Term75 Months
Last UpdatedSep 21, 2026
Details
As low as
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
520 N Jefferies Blvd, Walterboro, SC, 29488
Used Cars Loan
6.05%
72 months
▼
APR6.05%
Term72 months
Last UpdatedSep 15, 2026
Details
As Low As; Eligible model years 2023-2026. 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.
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
1075 Tiger Blvd, Clemson, SC, 29631
Used car purchase Loan
6.09%
60 months
▼
APR6.09%
Term60 months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
1075 Tiger Blvd, Clemson, SC, 29631
Used car rate Loan
6.09%
60 months
▼
APR6.09%
Term60 months
Last UpdatedSep 18, 2026
Details
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC, 29615
Used Auto Loan
6.24%
76 - 84 Months
▼
APR6.24%
Term76 - 84 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 6.24% - 7.74%. Model Year: 2019 - 2024
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
High Mileage Used Autos
6.24%
Up to 36 Months
▼
APR6.24%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As low as
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
Used Autos
6.24%
Over 73 Months
▼
APR6.24%
TermOver 73 Months
Last UpdatedSep 21, 2026
Details
As low as
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
1835 Bypass 72 NE, Greenwood, SC, 29649
New and Used Auto Loans
6.24%
73 - 84 months
▼
APR6.24%
Term73 - 84 months
Last UpdatedSep 21, 2026
Details
As Low As*
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
10660 Dunbarton Blvd, Barnwell, SC, 29812
Used (2020-2023 Model) Auto Loan
6.24%
2023 Mo
▼
APR6.24%
Term2023 Mo
Last UpdatedSep 21, 2026
Details
As low as; *
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC, 29625
Used Vehicles Loan
6.24%
up to 72 months
▼
APR6.24%
Termup to 72 months
Last UpdatedSep 21, 2026
Details
Published APR range: 6.24% - 18.00%. Vehicle Year: 2020-2026
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC, 29483
New Auto
6.25%
76-84 months
▼
APR6.25%
Term76-84 months
Last UpdatedSep 18, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC, 29301
Auto Loans
6.25%
7 years
▼
APR6.25%
Term7 years
Last UpdatedSep 20, 2026
Details
APR*: 6.25%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC, 29301
Auto Loans
6.25%
6 years
▼
APR6.25%
Term6 years
Last UpdatedSep 20, 2026
Details
APR*: 6.25%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 640 - 679 Score Loan
6.25%
24 Mo.
▼
APR6.25%
Interest Rate6.25%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 640 - 679 Score Loan
6.25%
36 Mo.
▼
APR6.25%
Interest Rate6.25%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: B
Powered by
MonitorBankRates
South Carolina New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
New Auto Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedSep 20, 2026
Details
As Low As
Greenwood Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
617 Durst Ave E, Greenwood, SC, 29649 2713
New Vehicle Loan
3.50%
Up to 120 months*
▼
APR3.50%
TermUp to 120 months*
Last UpdatedSep 21, 2026
Details
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
1501 Wade Hampton Blvd, Greenville, SC, 29609
New Vehicle Loan
3.74%
36 months or less
▼
APR3.74%
Term36 months or less
Last UpdatedSep 21, 2026
Details
as low as; *5
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
800 Huger St, Columbia, SC, 29201 3620
New Car Loan
3.95%
up to 72 months
▼
APR3.95%
Termup to 72 months
Last UpdatedSep 21, 2026
Details
Max term of 96 months
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
New Auto
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details
As Low As
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedSep 16, 2026
Details
(2023-New)
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC, 29680
New Auto Loan
3.99%
Up to 48 Months
▼
APR3.99%
TermUp to 48 Months
Last UpdatedSep 16, 2026
Details
As Low As; New Auto Loan
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC, 29680
New Auto Loan
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedSep 16, 2026
Details
As Low As; New Auto Loan
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC, 29680
New Auto Loan
3.99%
Up to 48 Month
▼
APR3.99%
TermUp to 48 Month
Last UpdatedSep 16, 2026
Details
Term: Up to 48 Month Financing; As Low As; New Auto Loan
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC, 29680
New Auto Loan
3.99%
60 Month Financing
▼
APR3.99%
Term60 Month Financing
Last UpdatedSep 16, 2026
Details
As Low As; New Auto Loan
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
9 Richland Medical Park Dr, Columbia, SC, 29203 6895
New or Used Car/Truck/Van Loan
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
Secured Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
116 NE Main St, Simpsonville, SC, 29681 2656
New Auto Loans
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedSep 21, 2026
Details
As Low As; Rates and terms are subject to credit approval and may vary based on credit history, loan term, vehicle year, mileage, loan-to-value, and how/when the vehicle has been titled. Rates are effective as of 1/1/2026 and subject to change without notice.
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
1501 Wade Hampton Blvd, Greenville, SC, 29609
New Vehicle Loan
3.99%
48 months or less
▼
APR3.99%
Term48 months or less
Last UpdatedSep 21, 2026
Details
as low as; *5
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
1501 Wade Hampton Blvd, Greenville, SC, 29609
New Vehicle Loan
3.99%
60 months or less
▼
APR3.99%
Term60 months or less
Last UpdatedSep 21, 2026
Details
as low as; *5
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC, 29405
New Autos
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
As low as
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC, 29730
New Auto Loans
3.99%
0 - 48 months
▼
APR3.99%
Term0 - 48 months
Last UpdatedSep 21, 2026
Details
Rates as low as; New Auto Loans (0 - 1 year)
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC, 29483
New Auto
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 730+ Score Loan
4.00%
24 Mo.
▼
APR4.00%
Interest Rate4.00%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 730+ Score Loan
4.00%
36 Mo.
▼
APR4.00%
Interest Rate4.00%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
New Auto
4.24%
37 to 48 Months
▼
APR4.24%
Term37 to 48 Months
Last UpdatedSep 16, 2026
Details
As Low As
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
New Autos
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As low as
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 730+ Score Loan
4.25%
48 Mo.
▼
APR4.25%
Interest Rate4.25%
Term48 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
New Auto
4.49%
49 to 60 Months
▼
APR4.49%
Term49 to 60 Months
Last UpdatedSep 16, 2026
Details
As Low As
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC, 29680
New Auto Loan
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedSep 16, 2026
Details
As Low As; New Auto Loan
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC, 29680
New Auto Loan
4.49%
72 Month Financing
▼
APR4.49%
Term72 Month Financing
Last UpdatedSep 16, 2026
Details
As Low As; New Auto Loan
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC, 29615
New Auto Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As; The offer is good on 2019 to 2026 year models. The vehicle must be reporting on your credit for at least six months. The minimum loan amount for this offer is $5,000. Terms and conditions apply.
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
522 Exchange St, Shaw AFB, SC, 29152 5032
2024 and Newer Auto Loan
4.49%
12-36 months
▼
APR4.49%
Term12-36 months
Last UpdatedSep 20, 2026
Details
As Low As; Auto Loan
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
New Autos
4.49%
37 - 48 Months
▼
APR4.49%
Term37 - 48 Months
Last UpdatedSep 21, 2026
Details
As low as
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC, 29161
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedSep 21, 2026
Details
As low as
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
1835 Bypass 72 NE, Greenwood, SC, 29649
New and Used Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
As Low As*
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC, 29405
New Autos
4.49%
37 - 60 months
▼
APR4.49%
Term37 - 60 months
Last UpdatedSep 21, 2026
Details
As low as
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 680 - 729 Score Loan
4.50%
24 Mo.
▼
APR4.50%
Interest Rate4.50%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 680 - 729 Score Loan
4.50%
36 Mo.
▼
APR4.50%
Interest Rate4.50%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 730+ Score Loan
4.50%
60 Mo.
▼
APR4.50%
Interest Rate4.50%
Term60 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC, 29615
New & Used Vehicles Loan
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedSep 21, 2026
Details
As low as
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC, 29615
New & Used Vehicles Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 21, 2026
Details
As low as
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC, 29615
New or Used Auto Loans
4.50%
24-84 months
▼
APR4.50%
Term24-84 months
Last UpdatedSep 21, 2026
Details
Rates effective as of September 1, 2026. Subject to change.* Annual Percentage Rate (APR) may vary depending on each individual's credit history and underwriting factors. All loans subject to credit union approval. All credit union loan promotional offers, programs, rates, terms and conditions are subject to change at any time and without notice. Offer may end at any time. Other restrictions may apply. Loan rates are based on applicant's creditworthiness and may vary from those shown above. Rates, terms and conditions are subject to change without notice. All loans subject to approval. Membership eligibility required.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
110 Outlet Pointe Blvd, Columbia, SC, 29210
New Auto Loans
4.50%
12-36 Months
▼
APR4.50%
Term12-36 Months
Last UpdatedSep 21, 2026
Details
As Low As; *
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC, 29625
New Vehicle Loan
4.50%
up to 48 months
▼
APR4.50%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.50% - 18.00%.
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC, 29405
New Autos
4.69%
61 - 72 months
▼
APR4.69%
Term61 - 72 months
Last UpdatedSep 21, 2026
Details
As low as
Empeople Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
104 Trade St Ste G, Greer, SC, 29651
60 Month New Auto Loans
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedSep 18, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
New Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedSep 20, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedSep 20, 2026
Details
As Low As
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
New Autos
4.74%
49 - 60 Months
▼
APR4.74%
Term49 - 60 Months
Last UpdatedSep 21, 2026
Details
As low as
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC, 29207
New or Used Auto Loans
4.74%
Up to 63 months
▼
APR4.74%
Interest Rate4.74%
TermUp to 63 months
Last UpdatedSep 21, 2026
Details
As Low As; Rates quoted are based on a 2024 model vehicle or newer, assume excellent borrower credit history, and an LTV less than 80%.
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
1835 Bypass 72 NE, Greenwood, SC, 29649
New and Used Auto Loans
4.74%
37 - 48 months
▼
APR4.74%
Term37 - 48 months
Last UpdatedSep 21, 2026
Details
As Low As*
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
10660 Dunbarton Blvd, Barnwell, SC, 29812
New Vehicle (2024 or Newer) Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As low as; *
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
10660 Dunbarton Blvd, Barnwell, SC, 29812
New Vehicle (2024 or Newer) Auto Loan
4.74%
37-48 Months
▼
APR4.74%
Term37-48 Months
Last UpdatedSep 21, 2026
Details
As low as; *
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
10660 Dunbarton Blvd, Barnwell, SC, 29812
New Vehicle (2024 or Newer) Auto Loan
4.74%
49-60 Months
▼
APR4.74%
Term49-60 Months
Last UpdatedSep 21, 2026
Details
As low as; *
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 680 - 729 Score Loan
4.75%
48 Mo.
▼
APR4.75%
Interest Rate4.75%
Term48 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 680 - 729 Score Loan
4.75%
60 Mo.
▼
APR4.75%
Interest Rate4.75%
Term60 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
New Vehicles - 2026 and Newer model years Loan
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedSep 21, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
New Vehicles - 2026 and Newer model years Loan
4.75%
49-60 months
▼
APR4.75%
Term49-60 months
Last UpdatedSep 21, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
New Vehicles - 2026 and Newer model years Loan
4.84%
61-72 months
▼
APR4.84%
Term61-72 months
Last UpdatedSep 21, 2026
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC, 29207
New or Used Auto Loans
4.84%
64 - 75 months
▼
APR4.84%
Interest Rate4.84%
Term64 - 75 months
Last UpdatedSep 21, 2026
Details
As Low As; Rates quoted are based on a 2024 model vehicle or newer, assume excellent borrower credit history, and an LTV less than 80%.
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC, 29405
New vehicles Loan
4.89%
60 months
▼
APR4.89%
Term60 months
Last UpdatedSep 21, 2026
Details
Rates listed are best available based on approved credit; actual rate offered may be higher depending upon applicant credit rating and other underwriting factors. All advertised rates are subject to change without notice. Not all borrowers will qualify. Subject to terms and conditions. Minimum FICO score required to be eligible. For a $15,000 vehicle loan at 4.89% APR and a payment term of 60 months, your monthly payment will be $283.00. This amount does not include optional vehicle protection coverage.
South Carolina Methodist Conference Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
4901 Colonial Dr, Columbia, SC, 29203
New Auto or Truck
4.95%
up to 60 months
▼
APR4.95%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Term: up to 60 months financing; As Low As; *
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
New Auto
4.99%
61 to 72 Months
▼
APR4.99%
Term61 to 72 Months
Last UpdatedSep 16, 2026
Details
As Low As
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC, 29680
New Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedSep 16, 2026
Details
As Low As; New Auto Loan
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC, 29680
New Auto Loan
4.99%
84 Month Financing
▼
APR4.99%
Term84 Month Financing
Last UpdatedSep 16, 2026
Details
As Low As; New Auto Loan
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
New Autos
4.99%
61 - 72 Months
▼
APR4.99%
Term61 - 72 Months
Last UpdatedSep 21, 2026
Details
As low as
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC, 29161
New Automobiles (2025 and Newer)
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedSep 21, 2026
Details
As low as
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
1501 Wade Hampton Blvd, Greenville, SC, 29609
New Vehicle Loan
4.99%
72 months or less
▼
APR4.99%
Term72 months or less
Last UpdatedSep 21, 2026
Details
as low as; *5
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
1835 Bypass 72 NE, Greenwood, SC, 29649
New and Used Auto Loans
4.99%
49 - 60 months
▼
APR4.99%
Term49 - 60 months
Last UpdatedSep 21, 2026
Details
As Low As*
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC, 29625
New Vehicle Loan
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.99% - 18.00%.
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC, 29730
New Auto Loans
4.99%
49 - 60 months
▼
APR4.99%
Term49 - 60 months
Last UpdatedSep 21, 2026
Details
Rates as low as; New Auto Loans (0 - 1 year)
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 730+ Score Loan
5.00%
72 Mo.
▼
APR5.00%
Interest Rate5.00%
Term72 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC, 29615
New & Used Vehicles Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedSep 21, 2026
Details
As low as
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
110 Outlet Pointe Blvd, Columbia, SC, 29210
New Auto Loans
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As; *
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC, 29615
New Auto Loans - 2025 - Newer
5.14%
36 - 63 Months
▼
APR5.14%
Term36 - 63 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.14% - 16.74%. Model Year: 2025 - Newer
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC, 29207
New or Used Auto Loans
5.14%
76 - 84 months
▼
APR5.14%
Interest Rate5.14%
Term76 - 84 months
Last UpdatedSep 21, 2026
Details
As Low As; Rates quoted are based on a 2024 model vehicle or newer, assume excellent borrower credit history, and an LTV less than 80%.
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
New Vehicles - 2026 and Newer model years Loan
5.20%
73-84 months
▼
APR5.20%
Term73-84 months
Last UpdatedSep 21, 2026
Details
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
520 N Jefferies Blvd, Walterboro, SC, 29488
New Cars Loan
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedSep 15, 2026
Details
As Low As; 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.
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
New Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedSep 20, 2026
Details
As Low As
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
522 Exchange St, Shaw AFB, SC, 29152 5032
2024 and Newer Auto Loan
5.24%
37-60 months
▼
APR5.24%
Term37-60 months
Last UpdatedSep 20, 2026
Details
As Low As; Auto Loan
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
New Autos
5.24%
Over 73 Months
▼
APR5.24%
TermOver 73 Months
Last UpdatedSep 21, 2026
Details
As low as
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
1835 Bypass 72 NE, Greenwood, SC, 29649
New and Used Auto Loans
5.24%
61 - 72 months
▼
APR5.24%
Term61 - 72 months
Last UpdatedSep 21, 2026
Details
As Low As*
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
10660 Dunbarton Blvd, Barnwell, SC, 29812
New Vehicle (2024 or Newer) Auto Loan
5.24%
61-72 Months
▼
APR5.24%
Term61-72 Months
Last UpdatedSep 21, 2026
Details
As low as; *
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC, 29625
New Vehicle Loan
5.24%
up to 72 months
▼
APR5.24%
Termup to 72 months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.24% - 18.00%.
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC, 29483
New Auto
5.25%
37-48 months
▼
APR5.25%
Term37-48 months
Last UpdatedSep 18, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC, 29483
New Auto
5.25%
49-60 months
▼
APR5.25%
Term49-60 months
Last UpdatedSep 18, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 680 - 729 Score Loan
5.25%
72 Mo.
▼
APR5.25%
Interest Rate5.25%
Term72 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
1301 Gervais St, Columbia, SC, 29201
New car (dealer) Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC, 29405
New Autos
5.39%
73-84 months
▼
APR5.39%
Term73-84 months
Last UpdatedSep 21, 2026
Details
As low as
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC, 29161
New Automobiles (2025 and Newer)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedSep 21, 2026
Details
As low as
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
1501 Wade Hampton Blvd, Greenville, SC, 29609
New Vehicle Loan
5.49%
84 months or less
▼
APR5.49%
Term84 months or less
Last UpdatedSep 21, 2026
Details
as low as; *5
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC, 29625
New Vehicle Loan
5.49%
up to 84 months
▼
APR5.49%
Termup to 84 months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.49% - 18.00%.
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
5.50%
37-48 months
▼
APR5.50%
Term37-48 months
Last UpdatedSep 16, 2026
Details
(2023-New)
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC, 29483
New Auto
5.50%
61-75 months
▼
APR5.50%
Term61-75 months
Last UpdatedSep 18, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 730+ Score Loan
5.50%
84 Mo.
▼
APR5.50%
Interest Rate5.50%
Term84 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC, 29615
New Auto Loans - 2025 - Newer
5.54%
64 - 75 Months
▼
APR5.54%
Term64 - 75 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.54% - 17.24%. Model Year: 2025 - Newer
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
5.55%
49-60 months
▼
APR5.55%
Term49-60 months
Last UpdatedSep 16, 2026
Details
(2023-New)
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
5.60%
61-72 months
▼
APR5.60%
Term61-72 months
Last UpdatedSep 16, 2026
Details
(2023-New) ($15,000+)
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
520 N Jefferies Blvd, Walterboro, SC, 29488
New Cars Loan
5.70%
84 months
▼
APR5.70%
Term84 months
Last UpdatedSep 15, 2026
Details
As Low As; 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.
South Carolina Methodist Conference Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
4901 Colonial Dr, Columbia, SC, 29203
New Auto or Truck
5.70%
72 months financing
▼
APR5.70%
Term72 months financing
Last UpdatedSep 21, 2026
Details
As Low As; *
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
New Auto
5.74%
73 to 84 Months
▼
APR5.74%
Term73 to 84 Months
Last UpdatedSep 16, 2026
Details
As Low As; ($25,000)
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC, 29615
New Auto Loans - 2025 - Newer
5.74%
76 - 84 Months
▼
APR5.74%
Term76 - 84 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.74% - 8.49%. Model Year: 2025 - Newer
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
New Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedSep 20, 2026
Details
As Low As
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
522 Exchange St, Shaw AFB, SC, 29152 5032
2024 and Newer Auto Loan
5.74%
61-75 months
▼
APR5.74%
Term61-75 months
Last UpdatedSep 20, 2026
Details
As Low As; Auto Loan
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 680 - 729 Score Loan
5.75%
84 Mo.
▼
APR5.75%
Interest Rate5.75%
Term84 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC, 29615
New & Used Vehicles Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedSep 21, 2026
Details
As low as
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
522 Exchange St, Shaw AFB, SC, 29152 5032
2024 and Newer Auto Loan
5.99%
76-84 months
▼
APR5.99%
Term76-84 months
Last UpdatedSep 20, 2026
Details
As Low As; $20,000 min. loan; Auto Loan
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC, 29161
New Automobiles (2025 and Newer)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedSep 21, 2026
Details
As low as
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC, 29405
New vehicles Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedSep 21, 2026
Details
Rates listed are best available based on approved credit; actual rate offered may be higher depending upon applicant credit rating and other underwriting factors. All advertised rates are subject to change without notice. Not all borrowers will qualify. Subject to terms and conditions. Minimum FICO score required to be eligible. For a $30,000 vehicle loan at 5.99% APR and a payment term of 84 months, your monthly payment will be $439.00. This amount does not include optional vehicle protection coverage.
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC, 29730
New Auto Loans
5.99%
61 - 72 months
▼
APR5.99%
Term61 - 72 months
Last UpdatedSep 21, 2026
Details
Rates as low as; New Auto Loans (0 - 1 year)
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles Loan
6.00%
24-48 MO.
▼
APR6.00%
Term24-48 MO.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+; Score: 730+
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
110 Outlet Pointe Blvd, Columbia, SC, 29210
New Auto Loans
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedSep 21, 2026
Details
As Low As; *
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
1075 Tiger Blvd, Clemson, SC, 29631
New car purchase Loan
6.04%
60 months
▼
APR6.04%
Term60 months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
1075 Tiger Blvd, Clemson, SC, 29631
New car rate Loan
6.04%
60 months
▼
APR6.04%
Term60 months
Last UpdatedSep 18, 2026
Details
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
1835 Bypass 72 NE, Greenwood, SC, 29649
New and Used Auto Loans
6.24%
73 - 84 months
▼
APR6.24%
Term73 - 84 months
Last UpdatedSep 21, 2026
Details
As Low As*
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC, 29483
New Auto
6.25%
76-84 months
▼
APR6.25%
Term76-84 months
Last UpdatedSep 18, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 640 - 679 Score Loan
6.25%
24 Mo.
▼
APR6.25%
Interest Rate6.25%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 640 - 679 Score Loan
6.25%
36 Mo.
▼
APR6.25%
Interest Rate6.25%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: B
Powered by
MonitorBankRates
South Carolina Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
Used Auto Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedSep 20, 2026
Details
As Low As
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedSep 16, 2026
Details
(2023-New)
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
9 Richland Medical Park Dr, Columbia, SC, 29203 6895
New or Used Car/Truck/Van Loan
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 730+ Score Loan
4.00%
24 Mo.
▼
APR4.00%
Interest Rate4.00%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 730+ Score Loan
4.00%
36 Mo.
▼
APR4.00%
Interest Rate4.00%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 730+ Score Loan
4.25%
48 Mo.
▼
APR4.25%
Interest Rate4.25%
Term48 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC, 29607 2761
Used Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As; Fixed Rate
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
Used Auto (2024 & Older)
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details
As Low As
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
1835 Bypass 72 NE, Greenwood, SC, 29649
New and Used Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
As Low As*
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC, 29405
Used Autos
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
As low as
Edisto Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1880 Russell St, Orangeburg, SC, 29115 6107
Used Auto Loan
4.50%
More than 60 mos.
▼
APR4.50%
TermMore than 60 mos.
Last UpdatedSep 14, 2026
Details
Rate: 4.5% - 14.95%; Maximum: $30,000
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 680 - 729 Score Loan
4.50%
24 Mo.
▼
APR4.50%
Interest Rate4.50%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 680 - 729 Score Loan
4.50%
36 Mo.
▼
APR4.50%
Interest Rate4.50%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 730+ Score Loan
4.50%
60 Mo.
▼
APR4.50%
Interest Rate4.50%
Term60 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC, 29607 2761
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedSep 21, 2026
Details
As Low As; Fixed Rate
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC, 29615
New & Used Vehicles Loan
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedSep 21, 2026
Details
As low as
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC, 29615
New & Used Vehicles Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 21, 2026
Details
As low as
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC, 29615
New or Used Auto Loans
4.50%
24-84 months
▼
APR4.50%
Term24-84 months
Last UpdatedSep 21, 2026
Details
Rates effective as of September 1, 2026. Subject to change.* Annual Percentage Rate (APR) may vary depending on each individual's credit history and underwriting factors. All loans subject to credit union approval. All credit union loan promotional offers, programs, rates, terms and conditions are subject to change at any time and without notice. Offer may end at any time. Other restrictions may apply. Loan rates are based on applicant's creditworthiness and may vary from those shown above. Rates, terms and conditions are subject to change without notice. All loans subject to approval. Membership eligibility required.
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC, 29405
Used Autos
4.69%
37 - 60 months
▼
APR4.69%
Term37 - 60 months
Last UpdatedSep 21, 2026
Details
As low as
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
Used Auto (2024 & Older)
4.74%
37 to 48 Months
▼
APR4.74%
Term37 to 48 Months
Last UpdatedSep 16, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedSep 20, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
Used Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedSep 20, 2026
Details
As Low As
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC, 29207
New or Used Auto Loans
4.74%
Up to 63 months
▼
APR4.74%
Interest Rate4.74%
TermUp to 63 months
Last UpdatedSep 21, 2026
Details
As Low As; Rates quoted are based on a 2024 model vehicle or newer, assume excellent borrower credit history, and an LTV less than 80%.
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
1835 Bypass 72 NE, Greenwood, SC, 29649
New and Used Auto Loans
4.74%
37 - 48 months
▼
APR4.74%
Term37 - 48 months
Last UpdatedSep 21, 2026
Details
As Low As*
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC, 29483
Used Auto
4.75%
Up to 36 months
▼
APR4.75%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 680 - 729 Score Loan
4.75%
48 Mo.
▼
APR4.75%
Interest Rate4.75%
Term48 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 680 - 729 Score Loan
4.75%
60 Mo.
▼
APR4.75%
Interest Rate4.75%
Term60 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
Used Vehicles - 2026 and 2025 model years Loan
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedSep 21, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
Used Vehicles - 2026 and 2025 model years Loan
4.84%
2025 Mo
▼
APR4.84%
Term2025 Mo
Last UpdatedSep 21, 2026
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC, 29207
New or Used Auto Loans
4.84%
64 - 75 months
▼
APR4.84%
Interest Rate4.84%
Term64 - 75 months
Last UpdatedSep 21, 2026
Details
As Low As; Rates quoted are based on a 2024 model vehicle or newer, assume excellent borrower credit history, and an LTV less than 80%.
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC, 29405
Used Autos
4.89%
61 - 72 months
▼
APR4.89%
Term61 - 72 months
Last UpdatedSep 21, 2026
Details
As low as
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC, 29607 2761
Used Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedSep 21, 2026
Details
As Low As; Fixed Rate
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
Used Auto (2024 & Older)
4.99%
49 to 60 Months
▼
APR4.99%
Term49 to 60 Months
Last UpdatedSep 16, 2026
Details
As Low As
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
Used Vehicles - 2024, 2023, and 2022 model years Loan
4.99%
Up to 48 months
▼
APR4.99%
TermUp to 48 months
Last UpdatedSep 21, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
Used Vehicles - 2026 and 2025 model years Loan
4.99%
2025 Mo
▼
APR4.99%
Term2025 Mo
Last UpdatedSep 21, 2026
Details
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
1835 Bypass 72 NE, Greenwood, SC, 29649
New and Used Auto Loans
4.99%
49 - 60 months
▼
APR4.99%
Term49 - 60 months
Last UpdatedSep 21, 2026
Details
As Low As*
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC, 29625
Used Vehicles Loan
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.99% - 18.00%. Vehicle Year: 2020-2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC, 29730
Used Auto Loans
4.99%
0 - 48 months
▼
APR4.99%
Term0 - 48 months
Last UpdatedSep 21, 2026
Details
Rates as low as; Used Auto Loans (2 - 10 years)
Columbia Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
1601 Assembly St, Columbia, SC, 29201 2762
Used Vehicles 2016-2022
5.00%
1-36 months
▼
APR5.00%
Interest Rate5.00%
Term1-36 months
Last UpdatedSep 18, 2026
Details
Credit Scores: 750-850; Percent Financed: 100%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 730+ Score Loan
5.00%
72 Mo.
▼
APR5.00%
Interest Rate5.00%
Term72 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC, 29615
New & Used Vehicles Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedSep 21, 2026
Details
As low as
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC, 29207
New or Used Auto Loans
5.14%
76 - 84 months
▼
APR5.14%
Interest Rate5.14%
Term76 - 84 months
Last UpdatedSep 21, 2026
Details
As Low As; Rates quoted are based on a 2024 model vehicle or newer, assume excellent borrower credit history, and an LTV less than 80%.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
Used Auto (2024 & Older)
5.24%
61 to 72 Months
▼
APR5.24%
Term61 to 72 Months
Last UpdatedSep 16, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
Used Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedSep 20, 2026
Details
As Low As
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
Used Vehicles - 2021 and 2020 model years Loan
5.24%
Up to 48 months
▼
APR5.24%
TermUp to 48 months
Last UpdatedSep 21, 2026
Details
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
Used Autos
5.24%
Up to 36 Months
▼
APR5.24%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As low as
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC, 29161
Used Automobiles (2021 - 2024)
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedSep 21, 2026
Details
As low as
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
1835 Bypass 72 NE, Greenwood, SC, 29649
New and Used Auto Loans
5.24%
61 - 72 months
▼
APR5.24%
Term61 - 72 months
Last UpdatedSep 21, 2026
Details
As Low As*
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC, 29483
Used Auto
5.25%
37-48 months
▼
APR5.25%
Term37-48 months
Last UpdatedSep 18, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC, 29483
Used Auto
5.25%
49-60 months
▼
APR5.25%
Term49-60 months
Last UpdatedSep 18, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 680 - 729 Score Loan
5.25%
72 Mo.
▼
APR5.25%
Interest Rate5.25%
Term72 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
South Carolina Methodist Conference Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
4901 Colonial Dr, Columbia, SC, 29203
Used Auto or Truck
5.25%
up to 60 months
▼
APR5.25%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Term: up to 60 months financing; As Low As
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
10660 Dunbarton Blvd, Barnwell, SC, 29812
Used (2020-2023 Model) Auto Loan
5.29%
Up to 36 Months
▼
APR5.29%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As low as; *
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
10660 Dunbarton Blvd, Barnwell, SC, 29812
Used (2020-2023 Model) Auto Loan
5.29%
2023 Mo
▼
APR5.29%
Term2023 Mo
Last UpdatedSep 21, 2026
Details
As low as; *
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
Used Vehicles - 2024, 2023, and 2022 model years Loan
5.44%
2022 Mo
▼
APR5.44%
Term2022 Mo
Last UpdatedSep 21, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
Used Vehicles - 2026 and 2025 model years Loan
5.44%
2025 Mo
▼
APR5.44%
Term2025 Mo
Last UpdatedSep 21, 2026
Details
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
Used Autos
5.49%
37 - 48 Months
▼
APR5.49%
Term37 - 48 Months
Last UpdatedSep 21, 2026
Details
As low as
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
5.50%
37-48 months
▼
APR5.50%
Term37-48 months
Last UpdatedSep 16, 2026
Details
(2023-New)
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC, 29483
Used Auto
5.50%
61-75 months
▼
APR5.50%
Term61-75 months
Last UpdatedSep 18, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 730+ Score Loan
5.50%
84 Mo.
▼
APR5.50%
Interest Rate5.50%
Term84 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Used Auto Loans
5.50%
12-36 Months
▼
APR5.50%
Term12-36 Months
Last UpdatedSep 21, 2026
Details
As Low As;*
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC, 29730
Used Auto Loans
5.50%
49 - 60 months
▼
APR5.50%
Term49 - 60 months
Last UpdatedSep 21, 2026
Details
Rates as low as; Used Auto Loans (2 - 10 years)
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
5.55%
49-60 months
▼
APR5.55%
Term49-60 months
Last UpdatedSep 16, 2026
Details
(2023-New)
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
1301 Gervais St, Columbia, SC, 29201
Used car (dealer) Loan
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
5.60%
61-72 months
▼
APR5.60%
Term61-72 months
Last UpdatedSep 16, 2026
Details
(2023-New) ($15,000+)
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC, 29615
Used Auto Loan
5.64%
36 - 63 Months
▼
APR5.64%
Term36 - 63 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.64% - 17.24%. Model Year: 2019 - 2024
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
Used Auto (2024 & Older)
5.74%
73 to 84 Months
▼
APR5.74%
Term73 to 84 Months
Last UpdatedSep 16, 2026
Details
As Low As; ($25,000)
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
Used Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedSep 20, 2026
Details
As Low As
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
Used Autos
5.74%
49 - 60 Months
▼
APR5.74%
Term49 - 60 Months
Last UpdatedSep 21, 2026
Details
As low as
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC, 29625
Used Vehicles Loan
5.74%
up to 60 months
▼
APR5.74%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.74% - 18.00%. Vehicle Year: 2020-2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 680 - 729 Score Loan
5.75%
84 Mo.
▼
APR5.75%
Interest Rate5.75%
Term84 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC, 29607 2761
Used Automobile Loan
5.75%
61 - 72 Months
▼
APR5.75%
Term61 - 72 Months
Last UpdatedSep 21, 2026
Details
As Low As; Fixed Rate
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC, 29615
New & Used Vehicles Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedSep 21, 2026
Details
As low as
South Carolina Methodist Conference Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
4901 Colonial Dr, Columbia, SC, 29203
Used Auto or Truck
5.75%
up to 60 months
▼
APR5.75%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Term: up to 60 months financing; As Low As; *
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC, 29615
Used Auto Loan
5.79%
64 - 75 Months
▼
APR5.79%
Term64 - 75 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.79% - 16.99%. Model Year: 2019 - 2024
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
Used Vehicles - 2024, 2023, and 2022 model years Loan
5.94%
2022 Mo
▼
APR5.94%
Term2022 Mo
Last UpdatedSep 21, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
2518 Main St, Conway, SC, 29526 3365
Used Vehicles - 2021 and 2020 model years Loan
5.99%
2020 Mo
▼
APR5.99%
Term2020 Mo
Last UpdatedSep 21, 2026
Details
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
Used Autos
5.99%
61 - 72 Months
▼
APR5.99%
Term61 - 72 Months
Last UpdatedSep 21, 2026
Details
As low as
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC, 29405
Used Autos
5.99%
73-84 months
▼
APR5.99%
Term73-84 months
Last UpdatedSep 21, 2026
Details
As low as
Columbia Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
1601 Assembly St, Columbia, SC, 29201 2762
Used Vehicles 2016-2022
6.00%
37 to 60 months
▼
APR6.00%
Interest Rate6.00%
Term37 to 60 months
Last UpdatedSep 18, 2026
Details
Credit Scores: 750-850; Percent Financed: 100%
Columbia Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
1601 Assembly St, Columbia, SC, 29201 2762
Used Vehicles 2016-2022
6.00%
1-36 months
▼
APR6.00%
Interest Rate6.00%
Term1-36 months
Last UpdatedSep 18, 2026
Details
Credit Scores: 650-749; Percent Financed: 100%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles Loan
6.00%
24-48 MO.
▼
APR6.00%
Term24-48 MO.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+; Score: 730+
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC, 29625
Used Vehicles Loan
6.00%
up to 48 months
▼
APR6.00%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
Published APR range: 6.00% - 18.00%. Vehicle Year: Older-2019
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC, 29161
Used Automobiles (2021 - 2024)
6.04%
75 Months
▼
APR6.04%
Term75 Months
Last UpdatedSep 21, 2026
Details
As low as
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
520 N Jefferies Blvd, Walterboro, SC, 29488
Used Cars Loan
6.05%
72 months
▼
APR6.05%
Term72 months
Last UpdatedSep 15, 2026
Details
As Low As; Eligible model years 2023-2026. 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.
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
1075 Tiger Blvd, Clemson, SC, 29631
Used car purchase Loan
6.09%
60 months
▼
APR6.09%
Term60 months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
1075 Tiger Blvd, Clemson, SC, 29631
Used car rate Loan
6.09%
60 months
▼
APR6.09%
Term60 months
Last UpdatedSep 18, 2026
Details
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC, 29615
Used Auto Loan
6.24%
76 - 84 Months
▼
APR6.24%
Term76 - 84 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 6.24% - 7.74%. Model Year: 2019 - 2024
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
High Mileage Used Autos
6.24%
Up to 36 Months
▼
APR6.24%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As low as
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
520 N Church St, Spartanburg, SC, 29303 3034
Used Autos
6.24%
Over 73 Months
▼
APR6.24%
TermOver 73 Months
Last UpdatedSep 21, 2026
Details
As low as
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
1835 Bypass 72 NE, Greenwood, SC, 29649
New and Used Auto Loans
6.24%
73 - 84 months
▼
APR6.24%
Term73 - 84 months
Last UpdatedSep 21, 2026
Details
As Low As*
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
10660 Dunbarton Blvd, Barnwell, SC, 29812
Used (2020-2023 Model) Auto Loan
6.24%
2023 Mo
▼
APR6.24%
Term2023 Mo
Last UpdatedSep 21, 2026
Details
As low as; *
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC, 29625
Used Vehicles Loan
6.24%
up to 72 months
▼
APR6.24%
Termup to 72 months
Last UpdatedSep 21, 2026
Details
Published APR range: 6.24% - 18.00%. Vehicle Year: 2020-2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 640 - 679 Score Loan
6.25%
24 Mo.
▼
APR6.25%
Interest Rate6.25%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC, 29445
New/Used Vehicles - 640 - 679 Score Loan
6.25%
36 Mo.
▼
APR6.25%
Interest Rate6.25%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: B
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MonitorBankRates
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.
New Auto Loan SC Avg
5.267%
▲ 0.363 vs 7 days ago
South Carolina new auto rates rose 0.363 points over the past 7 days to 5.267% APR.
Used Auto Loan SC Avg
6.514%
▼ 0.106 vs 7 days ago
South Carolina used auto rates fell 0.106 points over the past 7 days to 6.514% APR.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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.
Current New Auto Avg
5.27%
APR, as of Sep 22, 2026
6-Month Forecast
5.35%
Fed hold assumed
12-Month Forecast
5.42%
Range: 5.07% to 5.62%
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 @ 5.27% APR SC average | Used Auto @ 6.51% APR SC average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.91/mo | $293.59/mo | $8.68/mo |
| $25,000 | $474.85/mo | $489.32/mo | $14.47/mo |
| $35,000 | $664.78/mo | $685.04/mo | $20.26/mo |
| $45,000 | $854.72/mo | $880.77/mo | $26.05/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
1
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.
2
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.
3
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.
4
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.
Building a down payment, or is an auto loan not the right fit?
- 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
$41,521
Median Individual Earnings
National avg: $47,340
4.8%
Unemployment Rate
National avg: 4.8%
14.1%
Poverty Rate
National avg: 11.1%
$570/mo
Payment on a $30K / 60-mo Loan
At SC new-auto avg 5.27% APR
A $570 monthly car payment works out to roughly 16.5% of the median individual income in South Carolina. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% 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 1–3 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 (0–2.9% 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.
$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
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.
Frequently Asked Questions about Auto Loans in South Carolina
How does my credit score affect my car loan rate in South Carolina?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in South Carolina with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in South Carolina *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in South Carolina typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
Should I get preapproved for an auto loan before visiting a dealer in South Carolina?
Yes. A preapproval from a bank or credit union serving South Carolina gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving South Carolina can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
What are the best Auto Loan rates in South Carolina?
Based on our current data, some of the lowest auto loan rates available in South Carolina include:
- Market USA Federal Credit Union: 3.49% (New Auto Loan)
- Greenwood Municipal Federal Credit Union: 3.50% (New Vehicle Loan)
- Greenville Federal Credit Union: 3.74% (New Vehicle Loan)
- SPC Credit Union: 3.90% (Car Loan Special)
- South Carolina State Federal Credit Union: 3.95% (New Car Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in South Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 21, 2026
South Carolina Rates & Resources
South Carolina Mortgage Rates
South Carolina Refinance Rates
South Carolina Home Equity Loan Rates
South Carolina CD Rates
South Carolina Savings Rates
South Carolina Money Market Rates
South Carolina Checking Rates
South Carolina Personal Loan Rates
South Carolina Homeowners Insurance
South Carolina Car Insurance
Auto Loan Rates by City in South Carolina
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