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.


New* APR3
0 - 63 Months6.74%6.99%7.49%
64 - 75 Months6.74%7.74%7.99%
76 - 84 Months7.49%8.24%8.49%


Used APR3
0 - 63 MonthsAs low as 7.24%As low as 7.49%As low as 7.99%
64 - 75 MonthsAs low as 7.24%As low as 8.24%As low as 8.49%
76 - 84 MonthsAs low as 7.99%As low as 8.74%As low as 8.99%
asked questions
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We offer several options to make your credit card payments:

  • Log into Online Banking to transfer a payment.

  • Mail a payment to us.

  • Make payments at a financial center through a:

    • Cash advance

    • Personal check

    • Certified check or money order

    • Cash, or

  • Contact us to make a payment by phone.

Payments reflect on your credit card account within 2 business days after the payment has been made.

If you are already registered for Bill Pay, simply click on the "Pay Bills" tab located in the main menu. Not registered for Bill Pay, simply:

  • Click "Signup for payments" in the Make a Payment or Bill Pay widget, or
  • Click on "Bill Pay" in the main menu.
  • Click "Enroll Now".
  • Verify the Account Holder Personal Information.
  • Notify us if you change ANY INFORMATION in the Account Holder Personal Information section.
  • Verify the Account Information.
  • Select the "Funding Account" to pay online bills.
  • Begin paying bills immediately.

To keep your Bill Pay account activated, pay a bill within 90 days or the account will become inactive. If this happens, contact us to have the account unlocked. If you are unable to set up your Bill Pay, or have any questions, please visit a local branch or contact us.

As a reminder, if you have Self-Service Checking, you may incur a monthly non-usage fee if you register for Bill Pay but do not use it to pay at least one bill each month. Please refer to current Truth-In-Savings Rate and Fee Schedule for details.

Credit Card Payments Only:
South Carolina Federal Credit Union
P.O. Box 2711
Omaha, NE 68103-2711

Loan Payment Mailing Address:
South Carolina Federal Credit Union
P.O. Box 62349
North Charleston, SC 29419-2349

First Mortgage Payments Only:
South Carolina Federal Credit Union
P.O. Box 660592
Dallas, TX 75266-0592Omaha, NE 68103-2711

Tap the Payments icon at the bottom of your screen. Then select the action you want.

No. Please contact us and we will help you with a principal-only payment.

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