Compare Bank & Credit Union Rates
Best auto loan rates in South Carolina
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–15 of 51 in South Carolina · median 4.99% APR
- 3.50%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 87
Rate checked · Auto loans rates on its site
Rates and branches - 3.90%APRas low as
Terms
Financing up to 84 months available for qualifying vehicles. Rate as low as 3.90% APR. Rates subject to change.
Auto loan score 87 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - South Carolina State Credit UnionNew Autos, Trucks, Vans · up to 96 months
Credit union · 19 branches
3.95%APRas low as · up to 15.49%with conditions3.95% APR, up to 15.49%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
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).
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Greenville Heritage Federal Credit Union2026-2022 Vehicles Auto Loan · up to 60 months
Credit union · 3 branches
3.99%APRas low asTerms
60 Month Financing. Less than 50,000 miles, < 125% LTV. Specialty Vehicles may carry a supplement of up to 200 basis points. Rate based on creditworthiness.
Auto loan score 94 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Rate is 'as low as'. Subject to credit approval and individual creditworthiness. Estimated monthly payment of $22.58 per $1,000.00 borrowed for up to 48 months. A $15 loan application fee is charged for processing.
Auto loan score 94 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 16.29%with conditions
3.99% APR, up to 16.29%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% Loyalty Checking APR discount. Must have an active Loyalty Checking account at the time of loan funding to qualify.
Auto loan score 91 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.15%APRas low as
Terms
As low as APR based on creditworthiness, loan term, vehicle age, and underwriting factors. Maximum APR is 18.00%.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
APR as low as 4.24%. All loans subject to credit approval. Rate discounts available based on varying qualifications (e.g., .25% off loan rate with e-statements). Terms vary based on amount financed.
Auto loan score 86 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.32%APRas low as
Terms
New (current or previous model year with 30,000 miles or less). Rate as low as stated. Example based on $30,000 loan for 48 months ($678.37/month) and processing fee of $50.
Auto loan score 87 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Rates listed are best available based on approved credit. 37 - 60 months.
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 5.49%
4.49% APR, up to 5.49%
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% automatic payment and direct deposit discount (minimum $200 monthly direct deposit).
Auto loan score 85 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 16.25%
4.50% APR, up to 16.25%
Terms
Lowest rate requires score 730+ (Grade A+); highest rate applies to score 549 or Less (Grade E).
Auto loan score 89 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
As low as rate for New and Used Autos/Trucks/Motorcycles. APR varies based on length of time financed and Beacon Score®.
Auto loan score 89
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in South Carolina
51 banks and credit unions · checked Oct 16–22
- Typical
- 4.99%
- Top 10% up to
- 3.99%
- Banks, typical
- 5.94%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
South Carolina
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Skyla Credit UnionCredit union · 1 branch
- Peach State Federal Credit UnionCredit union · 4 branches
- Greenville Heritage Federal Credit UnionCredit union · 3 branches