Finance Your Vehicle With
South Carolina Federal Credit Union.
South Carolina Federal Credit Union.
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
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.
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.
Auto Rates and Calculator
New
Effective Date: November 11, 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% |
Used
Effective Date: November 11, 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.
Learn More
Learn More
- 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
Auto Loan Resources
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.
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.
*
Applies to new loans and external refinances. Existing South Carolina Federal loans are excluded. Certain restrictions apply.
1
New cars must be without prior title, current or previous year with less than 10,000 miles.
2
Insurance services are provided by South Carolina Federal Insurance Solutions, a wholly owned subsidiary of South Carolina Federal Credit Union.
3
Coverage is not provided by South Carolina Federal, but is offered as a benefit for our members.
Terms and conditions subject to change without notice.
Subject to credit approval.
Subject to credit approval.