Auto Loans

No payments for 90 days

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An auto loan you can feel good about. Really good.

If you're in the market to get in a new or used vehicle - or to refinance - working with South Carolina Federal can help you get the financing you need.

Auto Loan Features:

Make no payments for up to 90 days*

  • Rate discounts available for Simple Checking or Premium Checking account holders. Don't have one? Open one today!
  • Transfer your existing auto loan from another lender and your Simple Checking or Premium Checking account may qualify you for a discount
  • Great low rates, every day
  • Flexible payment options
  • No early payoff penalty
  • Quick approval process
And with our pre-qualification program, you can apply before you shop! Come experience the many benefits of auto loans through South Carolina Federal. Serving members throughout South Carolina, including Charleston, Columbia, Florence, Georgetown, Greenville, and Spartanburg.

First-time car buyer?

Buying a car for the first time can feel overwhelming, but at South Carolina Federal, we keep it simple and easy. We'll walk you through each step in the process, so you understand how much car you can afford and what it's going to cost you each month.

Find the resources you need to make car buying a breeze.

We do insurance too!

Our members can save big on auto insurance! Insurance Solutions*** offers competitive quotes from dozens of top-rates carriers. Plus, our affordable Guaranteed Asset Protection (GAP)**** insurance provides financial protection from certain types of loss that are not covered by standard automobile insurance, and can help you pay off the loan difference if there is an accident or a total loss. Ask about our Mechanical Breakdown Insurance, too. New or used cars, trucks, SUVs and motorcycles are all eligible.

Let's do this!


  • * Applies to new loans and external refinances. Existing South Carolina Federal loans are excluded. Certain restrictions apply.
  • ** Annual Percentage Rate (APR) accurate as of 10/1/2021. Your actual rate will depend on your creditworthiness, term and collateral
  • ***The insurance products available through South Carolina Financial Solutions, LLC, a licensed insurance agency doing business as South Carolina Federal Insurance Solutions, a wholly-owned subsidiary of South Carolina Federal Credit Union are underwritten through and provided by insurance companies authorized, licensed, or enabled to provide coverages in the jurisdictions where such coverage is offered. South Carolina Federal Insurance Solutions acts only in the capacity of an agent or broker in obtaining such coverage. In all instances where a discrepancy might arise between informational, advertising, and/or marketing material and the actual policy issued by the insurance company, the terms and conditions contained within such policies will always take precedence. South Carolina Financial Solutions, LLC and South Carolina Federal Insurance Solutions™ do not offer tax or legal advice. Consult your tax or legal professional for advice.
  • ****Coverage is not provided by South Carolina Federal, but is offered as a benefit for our members
  • Terms and conditions subject to change without notice
  • Subject to credit approval