Credit union · South Carolina

South Carolina State Credit Union auto loan rates compared

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South Carolina · Headquarters South CarolinaChecked Nov 12, 2026Rate page on scscu.com

EligibilityMembership required. Who can join, per the credit union: you live, work, worship, or go to school in Aiken, Anderson, Florence, Greenwood, Oconee, Orangeburg, Pickens, or Spartanburg counties; you are a city, county, or state employee; you work for one of its Preferred Employer Groups; you are related by blood or marriage to a current SCU member; you are a student, professor, or staff member at any SC technical college or state chartered college or university; or you are enrolled in the South Carolina retirement system.

Visit lender Opens scscu.com

Lowest new rate

3.95%APR, as low as

NewTerm not listedSouth Carolina State Credit Union

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.RelationshipRelationship: The lender says rates depend on your relationship with the credit union. Your rate still depends on creditworthiness, term, and eligibility.
+1 more+2 moreSC counties & groupsSC counties & groups: For a specific group: only open to people who live, work, worship, or go to school in Aiken, Anderson, Florence, Greenwood, Oconee, Orangeburg, Pickens, or Spartanburg counties; city, county, or state employees; employees of its Preferred Employer Groups; people related by blood or marriage to a current SCU member; students, professors, or staff at any SC technical college or state chartered college or university; and people enrolled in the South Carolina retirement system. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.

SC lender. Not all qualify, see requirements.

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

Lenders

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

NewNew car rates · 1 rate

SCChecked Nov 12, 2026

New
As low as

3.95%APRand upTerm not listed

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.RelationshipRelationship: The lender says rates depend on your relationship with the credit union. Your rate still depends on creditworthiness, term, and eligibility.SC counties & groupsSC counties & groups: For a specific group: only open to people who live, work, worship, or go to school in Aiken, Anderson, Florence, Greenwood, Oconee, Orangeburg, Pickens, or Spartanburg counties; city, county, or state employees; employees of its Preferred Employer Groups; people related by blood or marriage to a current SCU member; students, professors, or staff at any SC technical college or state chartered college or university; and people enrolled in the South Carolina retirement system. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

New Autos, Trucks, Vans: 3.95% to 15.49% APR. Auto loan rates range from 3.95% APR to 16.75% APR and are subject to term, credit union relationship, and credit worthiness. Auto loan rates as low as 3.95% APR on vehicles 5 years old or newer with less than 60,000 miles. New: 5 years or newer with 60,000 miles or less. Income subject to verification. Must use auto-pay to obtain the lowest interest rate. Rates, conditions, and programs subject to change without notice. Term not listed on the vehicle loans page or the loan rate sheet (SCSCU-184, 5/28/2026).

Checked Nov 12, 2026Source scscu.com

Calculate payment, South Carolina State Credit Union, 3.95% APR, new, term not listedVisit lender, South Carolina State Credit Union, 3.95% APR, new, term not listed ↗
3.95%APRand up

New car

Visit lender, South Carolina State Credit Union, 3.95% APR, new, term not listed

SCChecked Nov 12, 2026Term not listed

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.RelationshipRelationship: The lender says rates depend on your relationship with the credit union. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreSC counties & groupsSC counties & groups: For a specific group: only open to people who live, work, worship, or go to school in Aiken, Anderson, Florence, Greenwood, Oconee, Orangeburg, Pickens, or Spartanburg counties; city, county, or state employees; employees of its Preferred Employer Groups; people related by blood or marriage to a current SCU member; students, professors, or staff at any SC technical college or state chartered college or university; and people enrolled in the South Carolina retirement system. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

UsedUsed car rates · 1 rate

SCChecked Nov 12, 2026

Used
As low as

5.75%APRand upTerm not listed

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.RelationshipRelationship: The lender says rates depend on your relationship with the credit union. Your rate still depends on creditworthiness, term, and eligibility.SC counties & groupsSC counties & groups: For a specific group: only open to people who live, work, worship, or go to school in Aiken, Anderson, Florence, Greenwood, Oconee, Orangeburg, Pickens, or Spartanburg counties; city, county, or state employees; employees of its Preferred Employer Groups; people related by blood or marriage to a current SCU member; students, professors, or staff at any SC technical college or state chartered college or university; and people enrolled in the South Carolina retirement system. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Used Autos, Trucks, Vans: 5.75% to 16.75% APR. Auto loan rates range from 3.95% APR to 16.75% APR and are subject to term, credit union relationship, and credit worthiness. Auto loan rates as low as 5.75% APR for used vehicles with a maximum age of 10 years with less than 125,000 miles. Used: 6-10 years old with up to 125,000 miles. Income subject to verification. Must use auto-pay to obtain the lowest interest rate. Rates, conditions, and programs subject to change without notice. Term not listed on the vehicle loans page or the loan rate sheet (SCSCU-184, 5/28/2026).

Checked Nov 12, 2026Source scscu.com

Calculate payment, South Carolina State Credit Union, 5.75% APR, used, term not listedVisit lender, South Carolina State Credit Union, 5.75% APR, used, term not listed ↗
5.75%APRand up

Used car

Visit lender, South Carolina State Credit Union, 5.75% APR, used, term not listed

SCChecked Nov 12, 2026Term not listed

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.RelationshipRelationship: The lender says rates depend on your relationship with the credit union. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreSC counties & groupsSC counties & groups: For a specific group: only open to people who live, work, worship, or go to school in Aiken, Anderson, Florence, Greenwood, Oconee, Orangeburg, Pickens, or Spartanburg counties; city, county, or state employees; employees of its Preferred Employer Groups; people related by blood or marriage to a current SCU member; students, professors, or staff at any SC technical college or state chartered college or university; and people enrolled in the South Carolina retirement system. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures