Credit union · NCUA insured
SPC Credit Union Auto Loan Rates
SPC Credit Union auto loans start at 3.90% APR for a new vehicle and 7.99% for a used one. Rates checked October 22, 2026.
How SPC Credit Union’s auto loan rates compare
Compared with banks and credit unions near Florence, SC, where SPC Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SPC Credit Union
3.90%APR
- Terms
- up to 84 months
- Up to
- —
SPC Car Loan Special
2nd-lowest rate
South Carolina State Credit Union
3.95%APR
- Terms
- up to 96 months
- Up to
- 15.49% APR
3rd-lowest rate
Nucor Employee's Credit Union
4.49%APR
- Terms
- —
- Up to
- 5.49% APR
SPC Credit Union auto loan score
87
Auto loan score
Higher than 78% of U.S. banks and credit unions
- New vehicleNew3.90%
- Used vehicleUsed7.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SPC 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.
Premium Auto (New or Used) up to 48,000 Miles
Available for new or previously titled vehicles with up to 48,000 miles. Rate based on creditworthiness and term of loan. Rates subject to change at any time and are not guaranteed.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.99% | Rate based on creditworthiness and term of loan. |
| up to 60 months | 4.99% | Rate based on creditworthiness and term of loan. |
| up to 72 months | 5.99% | $35K minimum loan amount. Rate based on creditworthiness and term of loan. |
| up to 84 months | 6.99% | $50K minimum loan amount. Rate based on creditworthiness and term of loan. |
Previously Titled (48K - 100K Miles)
For previously titled (used) vehicles with more than 48,000 miles, up to 100,000 miles. Rate based on creditworthiness and term of loan. Rates subject to change at any time and are not guaranteed.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99% | Rate based on creditworthiness and term of loan. |
| up to 72 months | 6.99% | $35K minimum loan amount. Rate based on creditworthiness and term of loan. |
SPC Car Loan Special
Applicants must qualify for membership at SPCCU. Applications subject to approval. Vehicle insurance required. Vehicle restrictions and other terms and conditions apply. Other discounts and promotions do not apply. Actual rates may vary based on creditworthiness and other factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.90% | Financing up to 84 months available for qualifying vehicles. Rate as low as 3.90% APR. Rates subject to change. |
Sources (1)
- spccu.org/auto-loan-promotion · captured Oct 7, 2026
Used Autos (> 100K miles)
For used vehicles with more than 100,000 miles. Rate based on creditworthiness and term of loan. Rates subject to change at any time and are not guaranteed.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.99% | Rate based on creditworthiness and term of loan. |
| up to 60 months | 7.99% | Rate based on creditworthiness and term of loan. |
Who can join SPC Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or attends school in Darlington, Florence, Marlboro, or Chesterfield Counties is eligible for membership.
Employers and groups
- Employees of select employee groups in the Hartsville, Darlington, and Bennettsville area, as well as employees of Sonoco Products Company and its affiliates throughout the United States, are eligible for membership.
Family and household
- Any person related by blood or marriage to a current SPC member, regardless of employment or residence, is eligible for membership.
Cost to join
- A $5 minimum deposit is required to open an account.
Membership information collected October 4, 2026.