Credit union · NCUA insured
South Carolina State Credit Union Auto Loan Rates
Top CarrotSouth Carolina State Credit Union auto loans start at 3.95% APR for a new vehicle and 5.75% for a used one. Rates checked October 22, 2026.
How South Carolina State Credit Union’s auto loan rates compare
Compared with banks and credit unions near Columbia, SC, where South Carolina State Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
South Carolina State Credit Union
3.95%APR
- Terms
- up to 96 months
- Up to
- 15.49% APR
New Autos, Trucks, Vans
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
3rd-lowest rate
Spero Financial
4.32%APR
- Terms
- —
- Up to
- —
South Carolina State Credit Union auto loan score
88
Auto loan score
Higher than 84% of U.S. banks and credit unions
- New vehicleNew3.95%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where South Carolina State Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Autos, Trucks, Vans
Vehicles 5 years old or newer with 60,000 miles or less. Not available for internal refinances. Subject to term, credit union relationship, and credit worthiness. Income subject to verification. Up to $1,500 extra financing available for EV home charging station.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 3.95%–15.49% | APRs of 3.95% require auto-pay and a 72-month term or less on vehicles 5 years old or newer with less than 60,000 miles. Maximum term of 96 months available. Enjoy no payments for up to 90 days (not available for internal refinances). |
| — | 4.25%–14.00% | Subject to term, credit approval based on creditworthiness and credit union relationship. |
Used Autos, Trucks, Vans
Used vehicles with a maximum age of 10 years (6-10 years old) with up to 125,000 miles. Not available for internal refinances. Subject to term, credit union relationship, and credit worthiness. Income subject to verification. Up to $1,500 extra financing available for EV home charging station.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.75%–16.75% | APRs of 5.75% require auto-pay and a 72-month term or less for used vehicles with a maximum age of 10 years with less than 125,000 miles. Enjoy no payments for up to 90 days (not available for internal refinances). |
| — | 5.75%–16.75% | Subject to term, credit approval based on creditworthiness and credit union relationship. |
Who can join South Carolina State Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or go to school in Aiken, Anderson, Florence, Greenwood, Oconee, Orangeburg, Pickens, or Spartanburg counties are eligible for membership.
Employers and groups
- Employees of Preferred Employer Groups can join.
Military, government and schools
- Students, professors, and staff members at any South Carolina technical college or state-chartered college or university are eligible for membership.
- City, county, or state employees qualify for membership.
- Individuals enrolled in the South Carolina retirement system are eligible for membership.
Family and household
- Individuals related by blood or marriage to a current SCU member are eligible to become members.
Membership information collected October 4, 2026.