Auto Refinance

Reasons for refinancing. Are you making the
right decision?
Lower monthly payments
Interest rates may have dropped since you got your car loan and can impact what you pay each month.
Credit score has improved
Your credit score plays an important role in financing and you may be able to get a lower rate.
Looking for a
better loan
If your current loan isn't working for you and you want to see what other payment terms and options are available.
Need help getting started? Give us a call.
Refinancing your auto loan with South Carolina Federal Credit Union could save you money.
Monday-Friday: 8:00am-6:00pm
(800) 845-0432
When should you refinance your auto loan?
Refinancing your auto loan involves taking out a new loan to pay off an existing auto loan. Generally, the goal is to lower your interest rate or payment amount, but there can also be other benefits.

Learn More About Auto Refinancing  >
Why choose South Carolina Federal Credit Union?
No payments for
90 days2
Free up funds you can use elsewhere.
Rate discounts available
With automatic payment deduction from a Simple Checking or Premium Checking account.
Flexible payment options
Choose a term that fits your budget.
Local expertise
We serve members from the Lowcountry to the Upstate of South Carolina.
Contact South Carolina Federal to refinance your auto loan.
Fill out the auto loan refinance form and our auto loan officer will reach out to you.
Fill out this form and a member from our loan team will be in touch soon.
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      This form is not a secure form of communication. If any confidential information such as account numbers, SSNs, etc. is necessary, it will not be obtained until we have contacted you. This is another way South Carolina Federal works to keep your information secure.

      Auto Rates and Auto Refinance Calculator

      New

      Effective Date: December 16, 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: December 16, 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 Solutions3 to receive competitive quotes from dozens of top-rated carriers.

      Learn More
      • Our affordable Guaranteed Asset Protection (GAP)4 provides financial protection from certain types of loss that are not covered by standard automobile insurance.
      • Depreciation Protection Waiver (DPW)4 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)4, 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.