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 16–30 of 51 in South Carolina · median 4.99% APR
- Duke Credit UnionAutos/Trucks New/Used 8 Years Old or Newer · up to 60 months
Credit union · 1 branch
4.50%APRas low as · up to 15.00%with conditions4.50% APR, up to 15.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available on auto loans for 60 months or less. Auto must be 8 years old or newer. Rate includes 0.25% discount for automatic payments or payroll deduction. Subject to creditworthiness and member qualification.
Auto loan score 87 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rate As Low As. Rate may vary with respect to credit history (Beacon Score), vehicle year/make/model, and term.
Auto loan score 87 · Carrot Score 89
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 - 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 - 4.74%APRas low as
Terms
As low as rate based on approved credit.
Auto loan score 82 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
As low as 4.74% APR for 60 months or less.
Auto loan score 82 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Subject to credit approval. Rates vary with respect to credit history (FICO score) and term of the loan.
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate is as low as 4.99% APR. Minimum amount financed is $10,000. Promotion applies to applications received between 10/1/2026 through 11/30/2026 for vehicle loans not currently financed at SRP FCU.
Auto loan score 83 · Carrot Score 85
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 - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% discount for automatic payment and 0.50% discount for qualifying Reward Rate Relationship. Rates for vehicles 7 years and older are 3.00% higher.
Auto loan score 79 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate available; requires direct deposit with Parda Federal Credit Union. Rate and term may vary based on credit score, year of collateral and loan-to-value.
Auto loan score 79 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 18.00%
4.99% APR, up to 18.00%
Terms
Terms up to 60 months.
Auto loan score 79 · Carrot Score 81
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 - 5.05%APRas low as · up to 18.00%
5.05% APR, up to 18.00%
Terms
Fixed rate. Rate determined by credit history, collateral, term and loan to value. Subject to credit approval.
Auto loan score 77 · Carrot Score 87
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
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