Bank · FDIC insured
SouthState Bank Auto Loan Rates
SouthState Bank auto loans start at 5.23% APR for a new vehicle and 6.05% for a used one. Rates checked October 15, 2026.
How SouthState Bank’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where SouthState Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
SouthState Bank
5.23%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
New Cars
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
- Discount
- None included
SouthState Bank auto loan score
69
Auto loan score
Higher than 24% of U.S. banks and credit unions
- New vehicleNew5.23%
- Used vehicleUsed6.05%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SouthState Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Motorcycles
All loans are subject to credit approval. Requires automatic payment draft from a SouthState checking account for a 0.50% interest rate discount. Includes a one-time $150 loan origination fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.14% | Includes a one-time $150 loan origination fee and 0.50% interest rate discount for automatic payment draft from a SouthState checking account. 7.14% APR is based on an example loan amount of $40,000 for a term of 72 months with monthly payments of $682.11. |
New Cars
All loans are subject to credit approval. Requires automatic payment draft from a SouthState checking account for a 0.65% interest rate discount. Includes a one-time $150 loan origination fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.23% | Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. |
| up to 84 months | 5.70% | Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. 5.70% APR is based on an example loan amount of $50,000 for a term of 84 months with monthly payments of $721.11. |
Sources (3)
All captured Oct 5, 2026
Used Cars
All loans are subject to credit approval. Requires automatic payment draft from a SouthState checking account for a 0.65% interest rate discount. Includes a one-time $150 loan origination fee. Eligible model years 2023-2026.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.05% | Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Eligible model years 2023-2026. 6.05% APR is based on an example loan amount of $25,000 for a term of 72 months with monthly payments of $412.42. |
Sources (2)
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.