Compare Bank & Credit Union Rates
Best auto loan rates, new and used
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 1–12 of 12 in Florence, SC metro · median 5.00% APR
- 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 - 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 · 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 - 4.50%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 - 4.74%APRas low as
Terms
Rate stated is best rate as of October 15th, 2026, for qualified borrowers. Other rates and terms may be available based on qualifications or collateral used. Minimum loan amounts required; subject to credit approval.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Estimated payment per $1000 is $17.36.
Auto loan score 81 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2026 and Newer model years. 61-72 months. Minimum $15,000 to be financed for a 72-month term. Advertised APR includes 0.25% autopay draft discount and 0.25% discount for LTV < 80%.
Auto loan score 82 · Carrot Score 84
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 - 5.24%APRas low as
Terms
2024 and Newer vehicles. Rate is as low as stated and determined by credit score, term, and vehicle model year. Minimum loan amount is $5,000. Auto refinancing offer applies only to loans financed by institutions other than SAFE. Proof of address and verification of employment are required. Maximum loan-to-value limits apply.
Auto loan score 79 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
As low as APR. Rate discount available with automatic payment deduction from Simple Checking or Premium Checking. No down payment required.
Auto loan score 73 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
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 Florence, SC metro
12 banks and credit unions · checked Oct 16–22
- Typical
- 5.00%
- Top 10% up to
- 4.00%
- Banks, typical
- 5.34%
- Credit unions, typical
- 4.74%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Florence, SC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Nucor Employee's Credit UnionCredit union · 2 branches
- South Carolina State Credit UnionCredit union · 1 branch