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Today's Auto Rates:

New: As low as 2.49% APR

Used: As low as 2.99% APR

Specials: Limited time, transfer a vehicle loan of $10,000 or more to South Carolina Federal and you'll receive an extra .50% discount off your qualifying rate* and $100 cash!

Looking to purchase a new or used car, truck or SUV? Let South Carolina Federal help you get the financing you need. We offer great rates, flexible payment options, and much more. And with our pre-qualification program, you can apply before you shop!

• No pre-payment penalty
• Everyday low rates
• Free automatic payments
• Get extra rate discounts up to .50% with your Premium Checking account!
• Make no payments for up 90 days

Ready To Apply?

Three easy and convenient ways to apply:

Online button By phone button In branch button

Not A Member?

If you’re not currently a member of South Carolina Federal Credit Union, you can still apply for a loan and qualify for membership. Want to learn more about joining the credit union? Learn more

Member Tips

When applying for a loan, don't forget to ask about extra ways to protect yourself with insurance and warranty options.

GAP Insurance

Guaranteed Asset Protection pays the difference between the vehicle’s actual value and the loan payoff amount. New or used cars, trucks, SUVs and motorcycles are eligible.

Example:

Original purchase price  $25,000
Loan balance after total loss  $20,000
Current value*  $16,000
Amount you still owe on loan  $4,000
Amount GAP would pay $4,000
Amount you owe with GAP Coverage $0


*this amount is determined by your insurance company

Mechanical Warranty

Members have access to extra mechanical warranty protections, such as:

  • Rental vehicle assistance
  • Tire protection
  • Trip interruption insurance

Get a no obligation mechanical warranty quote.

Credit Life & Disability

Coping with an unexpected disability or death can be emotionally and physically stressful for your family. Struggling to make loan payments on a reduced income is another heavy burden your family shouldn’t have to bear. Ask your branch repersentative about adding protection to your loan.

* Rate depends on term, creditworthiness, and collateral. Existing South Carolina Federal loans are not eligible for this special offer; however, additional terms are available for refinancing.

Online Banking Enrollment

Enrolling in Online Banking is simple and FREE:

  1. Enter your User ID
  2. Enter Phone Banking PIN as your Password
  3. Click on the LOG IN button

If you don't know your Phone Banking PIN, please contact us at 843.797.8300 (Charleston) or 800.845.0432 (Nationwide).