Compare Bank & Credit Union Rates
Best auto loan rates in Orangeburg, SC
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 1–6 of 6 in Orangeburg, SC · median 4.98% APR
- 3.95%APRas low as · up to 15.49%with conditions
3.95% 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 - 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 - 4.74%APRas low as
Terms
Rates as low as 4.74% APR for terms up to 63 months. Minimum loan amount $5,000. Based on creditworthiness, term, and LTV < 80% on 2024 model vehicle or newer.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.23%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
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.
Auto loan score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 13.00%
5.25% APR, up to 13.00%
Terms
90% financing. Maximum loan amount $50,000. Rate match guarantee for rates received from a dealer or other financial institution.
Auto loan score 87 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of September 23, 2026. Fixed-rate loan amortized over 5 years (60 months). Includes discount for autodraft from a First Citizens checking account. APR based upon an interest rate of 6.25% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 63 · Carrot Score 66
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 Orangeburg, SC
6 banks and credit unions · checked Oct 15–22
- Typical
- 4.98%
- Top 10% up to
- 4.22%
- Banks, typical
- 5.81%
- Credit unions, typical
- 4.62%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Orangeburg, SC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- CPM Federal Credit UnionCredit union · 1 branch
- South Carolina State Credit UnionCredit union · 1 branch