The road to a better auto loan starts here.
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
With a Simple Checking or Premium Checking account.
Flexible payment options
Choose a term that fits your budget.

Experience top-notch service and loans with low rates for your car, truck, or SUV.

Maybe your focus is on purchasing a new or used vehicle. Perhaps you like your current vehicle but really need a loan refinance to fit your budget. Consider South Carolina Federal Credit Union your source for everything related to auto loans. Save time with our quick approval process, save money with our rates, and save them together by paying off your loan as early as you wish.

We are pleased to provide auto loans to members throughout South Carolina, including Charleston, Columbia, Florence, Georgetown, Greenville, Myrtle Beach, and Spartanburg.
First-Time Auto Loans
We keep things simple and easy, especially when you are financing a vehicle for the first time. We help you understand how much car you can afford and what your loan payment will be each month.
Auto Loan Refinance
If your current auto loan is not meeting your needs, you have plenty of options with South Carolina Federal Credit Union. Secure a rate and term that smooth out your journey.
Insurance Options, Too
Work with the experienced insurance advisors at South Carolina Federal Insurance Solutions4 to receive competitive quotes from dozens of top-rated carriers.
GAP and MBP Coverage
Our affordable Guaranteed Asset Protection(GAP) provides financial protection from certain types of loss that are not covered by standard automobile insurance. Depreciation Protection Waiver (DPW) gives you peace of mind by protecting the money invested in your vehicle in the event of total loss. Ask about our Mechanical Breakdown Protection (MBP), too; new or used cars, trucks, SUVs, and motorcycles are all eligible.


Effective Date: June 3, 2024
Loan Term More Than 10% Down2 Up To 10% Down2 0% Down2&3
New* APR
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: June 3, 2024
Loan Term More Than 10% Down2 Up To 10% Down2 0% Down2&3
Used APR
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
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.

Making a day on the water even more enjoyable.
Competitive rates and available discounts help you stay afloat with a secure boat loan.