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 Solutions2 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, and can help you pay off the loan difference if there is an accident or a total loss. Ask about our Mechanical Breakdown Protection (MBP) too. New or used cars, trucks, SUVs and motorcycles are all eligible.


New* APR3
0 - 63 Months (As low as)6.74%6.99%7.49%
64 - 75 Months (As low as)6.74%7.74%7.99%
76 - 84 Months (As low as) 7.49%8.24%8.49%


Used APR3
0 - 63 Months (As low as)7.24%7.49%7.99%
64 - 75 Months (As low as)7.24%8.24%8.49%
76 - 84 Months (As low as)7.99%8.74%8.99%
asked questions
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Credit Card Payments Only
South Carolina Federal Credit Union
P.O. Box 2711
Omaha, NE 68103-2711

First Mortgage Payments Only
South Carolina Federal Credit Union
P.O. Box 371306
Pittsburgh, PA 15250-7306

Loan Payments
South Carolina Federal Credit Union
P.O. Box 62349
North Charleston, SC 29419-2349

Overnight Loan Payments
South Carolina Federal Credit Union
6265 Rivers Avenue
North Charleston, SC 29406

A payoff quote is available for all loans and will include accrued interest and the daily per diem.
To obtain today's payoff or a 10 business day payoff quote for auto, boat, recreational vehicle, credit cards, or personal loans, visit a financial center or contact us. Any overage of your payoff will be deposited into your savings account or returned to you in an overpayment check.

For first mortgages, please contact Dovenmuehle at (877) 636-9534.

For second mortgages/HELOCs, please visit a financial center or fax your payoff request to our Fulfillment Operations Team at (843) 737-7400. The request must include:

  • Member name
  • Member Social Security number
  • Account number
  • Payoff (good through) date
  • Return fax number
  • Copy of a signed authorization of release form from member requesting this information.

Once payoff is given, Second Mortgage/HELOC will be locked and no advances can be taken.

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.

Click here to learn more about how to make a payment online.

If you would like to make short term payment arrangements, you may also contact our Loss Prevention Team at (843) 569-5045 or (800) 845-0349.

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