Auto Loans

The road to a better auto loan starts here. 

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Overview
Rates
Auto Loan Process
Auto Protection
Resources
FAQs
Finance Your Vehicle With
South Carolina Federal Credit Union.
Submit Your Application
Find a car
When shopping for a vehicle, first identify your must-have features and understand what works best for your budget.
Calculate your monthly payment
Now that you have a car in mind, utilize our calculator to determine your monthly loan amount. 
Auto Calculator
Apply online, by phone, or in a financial center
It only takes a few minutes to apply. You'll need to provide proof of insurance and may need proof of income.
Finalize your loan
After we review all of the information and documentation you provided, a member of our team will reach out to help you finalize your loan.
Not sure how much you can borrow? Give us a call and we’ll help you get started.
(800) 845-0432
Why choose South Carolina Federal Credit Union?
No payments for 90 days
Free up funds you can use elsewhere*.
Flexible payment options
Choose a term that fits your budget.
Local expertise
We serve members from the Lowcountry to the Upstate of South Carolina.
See what our members have to say.
I called for an auto loan and 2 hours later was picking up my check. Amazing service. 
 
Read More of this testimonial
- Michelle B.
Great customer service end to end. Transactions were quick, well explained and organized.
 
- John
Auto Loan Offer - No Payments for 90 Days*
Free-up funds you can use elsewhere.
Apply Online
Auto Rates and Calculator

New

Effective Date: December 2, 2024
New1 Auto Loan Term APR As Low As
0 - 63 Months (As low as)6.49%
64 - 75 Months (As low as)6.49%
76 - 84 Months (As low as)7.24%

unavialable

avialable

%

Used

Effective Date: December 2, 2024
Used Auto Loan Term APR As Low As
0 - 63 Months (As low as)6.99%
64 - 75 Months (As low as)6.99%
76 - 84 Months (As low as)7.74%
Options to protect your auto loan
Work with the experienced insurance advisors at South Carolina Federal Insurance Solutions2 to receive competitive quotes from dozens of top-rated carriers.

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  • Our affordable Guaranteed Asset Protection (GAP)3 provides financial protection from certain types of loss that are not covered by standard automobile insurance.
  • Depreciation Protection Waiver (DPW)3 gives you peace of mind by protecting the money invested in your vehicle in the event of total loss. Learn More
  • Ask about our Mechanical Breakdown Protection (MBP)3, too; new or used cars, trucks, SUVs, and motorcycles are all eligible. Learn More
Supplemental insurance can help if your car breaks down, is stolen, or deemed a total loss.  Find out how different add-on coverage options could benefit you by calling us at (800) 845-0432.
Auto Loan Resources
Apply Online Make an Appointment Call or Visit
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.

Click here for more information about the loans we offer, or visit a local financial center or contact us. 

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 Banking5All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay. Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates., or statements.

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

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