Do you like your car but not your loan? Talk to us!
No payments for 90 days1
Free up funds you can use elsewhere.
Great low rates, every day
Our member-owned status makes it possible.
Rate discounts available
Flexible payment options
Choose a term that fits your budget.

Refinancing your auto loan with South Carolina Federal Credit Union could save you money.

If you have borrower's remorse when it comes to your current auto loan's rate and terms, let us help. Take a moment to complete this form and we will contact you within one business day to discuss your refinancing options, which could include a lower rate, different term, or both. 


Effective Date: January 25, 2024
Loan Term More Than 10% Down2 Up To 10% Down2 0% Down2
New* APR3
0 - 63 Months (As low as)7.49%7.74%8.24%
64 - 75 Months (As low as)7.49%8.49%8.74%
76 - 84 Months (As low as) 8.24%8.99%9.24%


Effective Date: January 25, 2024
Loan Term More Than 10% Down2 Up To 10% Down2 0% Down2
Used APR3
0 - 63 Months (As low as)7.99%8.24%8.74
64 - 75 Months (As low as)7.99%8.99%9.24
76 - 84 Months (As low as)8.74%9.49%9.74
Let's discuss your options.
Contact South Carolina Federal for your loan inquiry.
Fill out this form and a member from our loan team will be in touch soon.
  • First Name is a required field
  • Phone is a required field
  • Please enter a valid phone number
  • Last Name is a required field
  • Email is a required field
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      This form is not a secure form of communication. If any confidential information such as account numbers, SSNs, etc. is necessary, it will not be obtained until we have contacted you. This is another way South Carolina Federal works to keep your information secure.

      Frequently asked questions
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      For all loan requests you will be asked to provide personal information:

      • Name of each applicant
      • Physical address (P.O. Box does not apply)
      • Length of time at address
      • Phone number
      • E-mail address
      • Social Security number
      • Date of birth
      • Income information
      • Name of current employer
      • Employer's address and phone number
      • Length of employment
      • Salary
      • Position held
      • Other applicable income (for example, retirement and/or pension)
      • Current mortgage or rent obligations
      • Name and phone number of nearest relative not living with you
      • Loan application purpose
      • Collateral information, if applicable.

      To apply now, get started with an online loan inquiry, visit a local financial center or contact us.

      Click here to learn more about auto insurance available through our wholly-owned subsidiary, South Carolina Federal Insurance Solutions.

      Loan payment due dates are generally 30-45 days from the loan closing date. The payment due date is notated in your loan documents and agreed upon before disbursement of your loan. Due dates and loan payment amounts can also be viewed through Online Banking, Mobile Banking or statements.

      Membership & Benefits
      With better rates and fees, personalized service, convenient banking solutions, and more, there's a lot to love about being a member-owner.