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Auto Loan Rates in Columbia, South Carolina (SC) for April 2026

Content reviewed by
Brian McKay Brian McKay
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| i Editorial Disclosure
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 Columbia, South Carolina. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: April 19, 2026

Current auto loan rates in Columbia, South Carolina include Palmetto Citizens Federal Credit UnionPalmetto Citizens Federal Credit Union1320 Washington St, Columbia, SC, 29201 3382A+5.0 ★Texas Ratio: 4.17% offering New & Used Automobile or Truck at 3.99%, South Carolina Methodist Conference Credit UnionSouth Carolina Methodist Conference Credit Union4901 Colonial Dr, Columbia, SC, 29203A+5.0 ★Texas Ratio: 4.51% offering New Auto or Truck at 4.95%, Market USA Federal Credit UnionMarket USA Federal Credit UnionA5.0 ★Texas Ratio: 6.88% offering New Auto at 3.49%, Greenwood Municipal Federal Credit UnionGreenwood Municipal Federal Credit UnionA+5.0 ★Texas Ratio: 1.76% offering New Vehicle Loan at 3.50%, Upstate Federal Credit UnionUpstate Federal Credit UnionA+5.0 ★Texas Ratio: 1.70% offering New Vehicles at 3.99%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.

Columbia has 2 local institutions in our database, with auto loan rates as low as 3.99% APR from Palmetto Citizens Federal Credit Union at 1320 Washington St, Columbia, SC, 29201 3382. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Columbia, South Carolina. Auto Loan Rates Last Updated and Verified: April 19, 2026

Compare Auto Loan Rates Today in Columbia, South Carolina & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck (2023-New)
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details

As Low As

South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
4901 Colonial Dr, Columbia, SC, 29203
New Auto or Truck
4.95%
60 Months
View
▼
APR4.95%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
4901 Colonial Dr, Columbia, SC, 29203
Used Auto or Truck up to 2 model years old
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
5.50%
37-48 months
View
▼
APR5.50%
Term37-48 months
Last UpdatedApr 17, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck (2023-New)
5.50%
37-48 months
View
▼
APR5.50%
Term37-48 months
Last UpdatedApr 17, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
5.55%
49-60 months
View
▼
APR5.55%
Term49-60 months
Last UpdatedApr 17, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck (2023-New)
5.55%
49-60 months
View
▼
APR5.55%
Term49-60 months
Last UpdatedApr 17, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
5.60%
61-72 months
View
▼
APR5.60%
Term61-72 months
Last UpdatedApr 17, 2026
Details

As Low As; (2023-New) ($15,000+)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck (2023-New)
5.60%
61-72 months
View
▼
APR5.60%
Term61-72 months
Last UpdatedApr 17, 2026
Details

As Low As

South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
4901 Colonial Dr, Columbia, SC, 29203
New Auto or Truck
5.70%
72 Months
View
▼
APR5.70%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
4901 Colonial Dr, Columbia, SC, 29203
Used Auto or Truck from 3 to 7 model years old
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
Used Automobile or Truck
6.44%
up to 48 Months
View
▼
APR6.44%
Termup to 48 Months
Last UpdatedApr 17, 2026
Details

As Low As; (4-5 years old)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
7.29%
73-84 months
View
▼
APR7.29%
Term73-84 months
Last UpdatedApr 17, 2026
Details

As Low As; (2023-New) ($25,000+)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck (2023-New)
7.29%
73-84 months
View
▼
APR7.29%
Term73-84 months
Last UpdatedApr 17, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
Used Automobile or Truck
7.75%
up to 48 Months
View
▼
APR7.75%
Termup to 48 Months
Last UpdatedApr 17, 2026
Details

As Low As; (6 years & older) (under $15,000)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
9.29%
85-96 months
View
▼
APR9.29%
Term85-96 months
Last UpdatedApr 17, 2026
Details

As Low As; (2023-New) ($40,000+)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck (2023-New)
9.29%
85-96 months
View
▼
APR9.29%
Term85-96 months
Last UpdatedApr 17, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto Loan
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto Loan
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Greenwood Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
New Vehicle Loan
3.50%
120 Months
View
▼
APR3.50%
Term120 Months
Last UpdatedApr 18, 2026
Details

Up to 120 months*

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Vehicles
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; up to 48 months

Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Auto Loans
3.99%
0 - 48
View
▼
APR3.99%
Term0 - 48
Last UpdatedApr 18, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
4.00%
Up to 36 months
View
▼
APR4.00%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
New Autos
4.19%
Up to 36 months
View
▼
APR4.19%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
New Autos
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.25%
Up to 36
View
▼
APR4.25%
TermUp to 36
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
New Autos
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Edisto Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
Used Auto Loans
4.50%
More than 60 mos.
View
▼
APR4.50%
TermMore than 60 mos.
Last UpdatedApr 17, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.50%
37 - 48 Months
View
▼
APR4.50%
Term37 - 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.50%
37 - 48 Months
View
▼
APR4.50%
Term37 - 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
New Autos
4.69%
37 - 60 months
View
▼
APR4.69%
Term37 - 60 months
Last UpdatedApr 18, 2026
Details

As Low As

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
Used Autos
4.69%
Up to 36 months
View
▼
APR4.69%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
New Autos
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
4.75%
Up to 36 months
View
▼
APR4.75%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.95%
49 - 60 Months
View
▼
APR4.95%
Term49 - 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.95%
49 - 60 Months
View
▼
APR4.95%
Term49 - 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
New Autos
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
New Autos
4.99%
61 - 72 months
View
▼
APR4.99%
Term61 - 72 months
Last UpdatedApr 18, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Vehicles
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; up to 60 months

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles 2019-2025
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
Used Autos
5.19%
37 - 60 months
View
▼
APR5.19%
Term37 - 60 months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto Loan
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto Loan
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
New Autos
5.24%
73 Months
View
▼
APR5.24%
Term73 Months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Used Autos
5.24%
36 Months
View
▼
APR5.24%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Vehicles
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; up to 72 months

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedApr 19, 2026
Details

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
Used Autos
5.29%
61 - 72 months
View
▼
APR5.29%
Term61 - 72 months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Used Autos
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Vehicles
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; up to 84 months

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.50%
61-75 months
View
▼
APR5.50%
Term61-75 months
Last UpdatedApr 19, 2026
Details

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
New Autos
5.69%
73-84 months
View
▼
APR5.69%
Term73-84 months
Last UpdatedApr 18, 2026
Details

As Low As

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
5.70%
24 Months
View
▼
APR5.70%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Vehicle Loan
5.70%
24 Months
View
▼
APR5.70%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto Loan
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto Loan
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Used Autos
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles 2019-2025
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedApr 18, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
5.75%
61 - 72 Months
View
▼
APR5.75%
Term61 - 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
5.75%
61 - 72 Months
View
▼
APR5.75%
Term61 - 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
5.75%
37-48 months
View
▼
APR5.75%
Term37-48 months
Last UpdatedApr 19, 2026
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
5.95%
48 Months
View
▼
APR5.95%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Vehicle Loan
5.95%
48 Months
View
▼
APR5.95%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Used Autos
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles Older-2018
6.00%
48 Months
View
▼
APR6.00%
Term48 Months
Last UpdatedApr 18, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
6.00%
61-75 months
View
▼
APR6.00%
Term61-75 months
Last UpdatedApr 19, 2026
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
6.20%
60 Months
View
▼
APR6.20%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Vehicle Loan
6.20%
60 Months
View
▼
APR6.20%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
High Mileage Used Autos
6.24%
36 Months
View
▼
APR6.24%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Used Autos
6.24%
73 Months
View
▼
APR6.24%
Term73 Months
Last UpdatedApr 18, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles 2019-2025
6.24%
72 Months
View
▼
APR6.24%
Term72 Months
Last UpdatedApr 18, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
6.25%
73 - 84 Months
View
▼
APR6.25%
Term73 - 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
6.25%
73 - 84 Months
View
▼
APR6.25%
Term73 - 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles Older-2018
6.25%
60 Months
View
▼
APR6.25%
Term60 Months
Last UpdatedApr 18, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
6.25%
76-84 months
View
▼
APR6.25%
Term76-84 months
Last UpdatedApr 19, 2026
Details

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
Used Autos
6.29%
73-84 months
View
▼
APR6.29%
Term73-84 months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
High Mileage Used Autos
6.49%
48 Months
View
▼
APR6.49%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Edisto Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
Used Auto Loans
6.50%
60 mos. or less
View
▼
APR6.50%
Term60 mos. or less
Last UpdatedApr 17, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
6.50%
76-84 months (2023 or Newer)
View
▼
APR6.50%
Term76-84 months (2023 or Newer)
Last UpdatedApr 19, 2026
Details

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
High Mileage Used Autos
6.74%
60 Months
View
▼
APR6.74%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles Older-2018
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedApr 18, 2026
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
6.95%
72 Months
View
▼
APR6.95%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Vehicle Loan
6.95%
72 Months
View
▼
APR6.95%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
High Mileage Used Autos
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

SPC Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
Used Autos (> 100K miles)
6.99%
48 Months
View
▼
APR6.99%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
High Mileage Used Autos
7.24%
73 Months
View
▼
APR7.24%
Term73 Months
Last UpdatedApr 18, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles 2019-2025
7.24%
84 Months
View
▼
APR7.24%
Term84 Months
Last UpdatedApr 18, 2026
Details

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles Older-2018
7.50%
84 Months
View
▼
APR7.50%
Term84 Months
Last UpdatedApr 18, 2026
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
7.95%
84 Months
View
▼
APR7.95%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Vehicle Loan
7.95%
84 Months
View
▼
APR7.95%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.

SPC Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
Used Autos (> 100K miles)
7.99%
60 Months
View
▼
APR7.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Vehicles with more than 130,000 miles
8.95%
Up to 48 Months
View
▼
APR8.95%
TermUp to 48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Vehicles with more than 130,000 miles (Up to 48 Months Financing)
8.95%
48 Months
View
▼
APR8.95%
Term48 Months
Last UpdatedApr 17, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck (2023-New)
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details

As Low As

South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
4901 Colonial Dr, Columbia, SC, 29203
New Auto or Truck
4.95%
60 Months
View
▼
APR4.95%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
5.50%
37-48 months
View
▼
APR5.50%
Term37-48 months
Last UpdatedApr 17, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck (2023-New)
5.50%
37-48 months
View
▼
APR5.50%
Term37-48 months
Last UpdatedApr 17, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
5.55%
49-60 months
View
▼
APR5.55%
Term49-60 months
Last UpdatedApr 17, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck (2023-New)
5.55%
49-60 months
View
▼
APR5.55%
Term49-60 months
Last UpdatedApr 17, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
5.60%
61-72 months
View
▼
APR5.60%
Term61-72 months
Last UpdatedApr 17, 2026
Details

As Low As; (2023-New) ($15,000+)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck (2023-New)
5.60%
61-72 months
View
▼
APR5.60%
Term61-72 months
Last UpdatedApr 17, 2026
Details

As Low As

South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
4901 Colonial Dr, Columbia, SC, 29203
New Auto or Truck
5.70%
72 Months
View
▼
APR5.70%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
7.29%
73-84 months
View
▼
APR7.29%
Term73-84 months
Last UpdatedApr 17, 2026
Details

As Low As; (2023-New) ($25,000+)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck (2023-New)
7.29%
73-84 months
View
▼
APR7.29%
Term73-84 months
Last UpdatedApr 17, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
9.29%
85-96 months
View
▼
APR9.29%
Term85-96 months
Last UpdatedApr 17, 2026
Details

As Low As; (2023-New) ($40,000+)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck (2023-New)
9.29%
85-96 months
View
▼
APR9.29%
Term85-96 months
Last UpdatedApr 17, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto Loan
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Greenwood Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
New Vehicle Loan
3.50%
120 Months
View
▼
APR3.50%
Term120 Months
Last UpdatedApr 18, 2026
Details

Up to 120 months*

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Vehicles
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; up to 48 months

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
4.00%
Up to 36 months
View
▼
APR4.00%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
New Autos
4.19%
Up to 36 months
View
▼
APR4.19%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
New Autos
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
New Autos
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.50%
37 - 48 Months
View
▼
APR4.50%
Term37 - 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
New Autos
4.69%
37 - 60 months
View
▼
APR4.69%
Term37 - 60 months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
New Autos
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.95%
49 - 60 Months
View
▼
APR4.95%
Term49 - 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
New Autos
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
New Autos
4.99%
61 - 72 months
View
▼
APR4.99%
Term61 - 72 months
Last UpdatedApr 18, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Vehicles
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; up to 60 months

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto Loan
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
New Autos
5.24%
73 Months
View
▼
APR5.24%
Term73 Months
Last UpdatedApr 18, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Vehicles
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; up to 72 months

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedApr 19, 2026
Details

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Vehicles
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; up to 84 months

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.50%
61-75 months
View
▼
APR5.50%
Term61-75 months
Last UpdatedApr 19, 2026
Details

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
New Autos
5.69%
73-84 months
View
▼
APR5.69%
Term73-84 months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto Loan
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
5.75%
61 - 72 Months
View
▼
APR5.75%
Term61 - 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
6.25%
73 - 84 Months
View
▼
APR6.25%
Term73 - 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
6.25%
76-84 months
View
▼
APR6.25%
Term76-84 months
Last UpdatedApr 19, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck (2023-New)
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details

As Low As

South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
4901 Colonial Dr, Columbia, SC, 29203
Used Auto or Truck up to 2 model years old
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
5.50%
37-48 months
View
▼
APR5.50%
Term37-48 months
Last UpdatedApr 17, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck (2023-New)
5.50%
37-48 months
View
▼
APR5.50%
Term37-48 months
Last UpdatedApr 17, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
5.55%
49-60 months
View
▼
APR5.55%
Term49-60 months
Last UpdatedApr 17, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck (2023-New)
5.55%
49-60 months
View
▼
APR5.55%
Term49-60 months
Last UpdatedApr 17, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
5.60%
61-72 months
View
▼
APR5.60%
Term61-72 months
Last UpdatedApr 17, 2026
Details

As Low As; (2023-New) ($15,000+)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck (2023-New)
5.60%
61-72 months
View
▼
APR5.60%
Term61-72 months
Last UpdatedApr 17, 2026
Details

As Low As

South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
4901 Colonial Dr, Columbia, SC, 29203
Used Auto or Truck from 3 to 7 model years old
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
Used Automobile or Truck
6.44%
up to 48 Months
View
▼
APR6.44%
Termup to 48 Months
Last UpdatedApr 17, 2026
Details

As Low As; (4-5 years old)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
7.29%
73-84 months
View
▼
APR7.29%
Term73-84 months
Last UpdatedApr 17, 2026
Details

As Low As; (2023-New) ($25,000+)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck (2023-New)
7.29%
73-84 months
View
▼
APR7.29%
Term73-84 months
Last UpdatedApr 17, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
Used Automobile or Truck
7.75%
up to 48 Months
View
▼
APR7.75%
Termup to 48 Months
Last UpdatedApr 17, 2026
Details

As Low As; (6 years & older) (under $15,000)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
9.29%
85-96 months
View
▼
APR9.29%
Term85-96 months
Last UpdatedApr 17, 2026
Details

As Low As; (2023-New) ($40,000+)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck (2023-New)
9.29%
85-96 months
View
▼
APR9.29%
Term85-96 months
Last UpdatedApr 17, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto Loan
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.25%
Up to 36
View
▼
APR4.25%
TermUp to 36
Last UpdatedApr 18, 2026
Details

As Low As

Edisto Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
Used Auto Loans
4.50%
More than 60 mos.
View
▼
APR4.50%
TermMore than 60 mos.
Last UpdatedApr 17, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.50%
37 - 48 Months
View
▼
APR4.50%
Term37 - 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
Used Autos
4.69%
Up to 36 months
View
▼
APR4.69%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
4.75%
Up to 36 months
View
▼
APR4.75%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.95%
49 - 60 Months
View
▼
APR4.95%
Term49 - 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles 2019-2025
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
Used Autos
5.19%
37 - 60 months
View
▼
APR5.19%
Term37 - 60 months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto Loan
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Used Autos
5.24%
36 Months
View
▼
APR5.24%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
Used Autos
5.29%
61 - 72 months
View
▼
APR5.29%
Term61 - 72 months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Used Autos
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto Loan
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Used Autos
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles 2019-2025
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedApr 18, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
5.75%
61 - 72 Months
View
▼
APR5.75%
Term61 - 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
5.75%
37-48 months
View
▼
APR5.75%
Term37-48 months
Last UpdatedApr 19, 2026
Details

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Used Autos
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles Older-2018
6.00%
48 Months
View
▼
APR6.00%
Term48 Months
Last UpdatedApr 18, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
6.00%
61-75 months
View
▼
APR6.00%
Term61-75 months
Last UpdatedApr 19, 2026
Details

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
High Mileage Used Autos
6.24%
36 Months
View
▼
APR6.24%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Used Autos
6.24%
73 Months
View
▼
APR6.24%
Term73 Months
Last UpdatedApr 18, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles 2019-2025
6.24%
72 Months
View
▼
APR6.24%
Term72 Months
Last UpdatedApr 18, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
6.25%
73 - 84 Months
View
▼
APR6.25%
Term73 - 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles Older-2018
6.25%
60 Months
View
▼
APR6.25%
Term60 Months
Last UpdatedApr 18, 2026
Details

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
Used Autos
6.29%
73-84 months
View
▼
APR6.29%
Term73-84 months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
High Mileage Used Autos
6.49%
48 Months
View
▼
APR6.49%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Edisto Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
Used Auto Loans
6.50%
60 mos. or less
View
▼
APR6.50%
Term60 mos. or less
Last UpdatedApr 17, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
6.50%
76-84 months (2023 or Newer)
View
▼
APR6.50%
Term76-84 months (2023 or Newer)
Last UpdatedApr 19, 2026
Details

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
High Mileage Used Autos
6.74%
60 Months
View
▼
APR6.74%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles Older-2018
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedApr 18, 2026
Details

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
High Mileage Used Autos
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

SPC Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
Used Autos (> 100K miles)
6.99%
48 Months
View
▼
APR6.99%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
High Mileage Used Autos
7.24%
73 Months
View
▼
APR7.24%
Term73 Months
Last UpdatedApr 18, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles 2019-2025
7.24%
84 Months
View
▼
APR7.24%
Term84 Months
Last UpdatedApr 18, 2026
Details

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles Older-2018
7.50%
84 Months
View
▼
APR7.50%
Term84 Months
Last UpdatedApr 18, 2026
Details

SPC Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
Used Autos (> 100K miles)
7.99%
60 Months
View
▼
APR7.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Vehicles with more than 130,000 miles
8.95%
Up to 48 Months
View
▼
APR8.95%
TermUp to 48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Vehicles with more than 130,000 miles (Up to 48 Months Financing)
8.95%
48 Months
View
▼
APR8.95%
Term48 Months
Last UpdatedApr 17, 2026
Details

Columbia, SC Auto Loan Rate Trends

Compare local Columbia, SC 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.

View Full South Carolina Auto Trends →
New Auto Loan — SC Avg
4.811%
▼ 0.115 vs 7 days ago

South Carolina new auto rates fell 0.115 points over the past 7 days to 4.811% APR.

Used Auto Loan — SC Avg
6.491%
▲ 0.149 vs 7 days ago

South Carolina used auto rates rose 0.149 points over the past 7 days to 6.491% APR.

As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Columbia, 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 Columbia, 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 Columbia, 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.

What are the best Auto Loan rates in Columbia, South Carolina?

Based on our current data, some of the lowest auto loan rates available in Columbia, South Carolina include:
  • Palmetto Citizens Federal Credit Union: 3.99% (New & Used Automobile or Truck)
  • South Carolina Methodist Conference Credit Union: 4.95% (New Auto or Truck)
  • Market USA Federal Credit Union: 3.49% (New Auto)
  • Greenwood Municipal Federal Credit Union: 3.50% (New Vehicle Loan)
  • Upstate Federal Credit Union: 3.99% (New Vehicles)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Columbia, South Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026

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