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Recreational Vehicle Loans

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Today's Rates

New Boat: As low as 4.25% Annual Percentage Rate (APR) for up to 60 months, As low as 4.75%APR for 61-144 months

Used Boat: As low as 4.75% Annual Percentage Rate (APR)

New Motorcycle:  As low as 4.25% Annual Percentage Rate (APR)

Used Motorcycle: As low as 4.75% Annual Percentage Rate (APR)

New Recreational Vehicles:  As low as 4.25% Annual Percentage Rate (APR)

Used Recreational Vehicles: As low as 4.75% Annual Percentage Rate (APR)

Are you ready to hit the water in a new or used boat? South Carolina Federal offers a number of financing options to fit your needs. Purchase new, used, refinance, or pre-qualify - choose a loan that fits your needs.

  • Affordability - low rates
  • Pre-qualify to know what you can spend
  • Free automatic payments
  • No early payoff penalty
  • Rate discounts for Premium & Simple checking members

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.


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 representative about adding protection to your loan.

Rate depends on term, creditworthiness, and collateral. 

Online Banking

A South Carolina Federal Credit Union representative will assist you in the process. To enroll, please visit one of our financial centers or call our Contact Center:

  • 843.797.8300  (Charleston)
  • 803.738.8300  (Columbia)
  • 843.545.8300  (Georgetown)
  • 800.845.0432  (Nationwide)

Forgot your User ID?

Please call our Contact Center for assistance:

  • 843.797.8300  (Charleston)
  • 803.738.8300  (Columbia)
  • 843.545.8300  (Georgetown)
  • 800.845.0432  (Nationwide)