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South Carolina Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 07 November 2023
Fact checked

South Carolina Federal Credit Union auto loans overview

South Carolina Federal Credit Union logo

South Carolina Federal Credit Union provides car financing options in South Carolina, including Charleston, Columbia, Florence, Georgetown, Greenville, Myrtle Beach, and Spartanburg. Members can lock in new and used vehicles ranging from cars, trucks, and SUVs to recreational vehicles. Besides a variety of choices, SC Federal offers low rates and longer repayment options.

Want to see what a SC Federal auto loan will cost? Try the South Carolina Federal Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key South Carolina Federal Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: From 6.74% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Rate discounts for Simple Checking or Premium Checking account holders.

SOUTH CAROLINA FEDERAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

You can purchase your first or next vehicle or refinance your existing loan through SC Federal for 84 months. If your down payment is more than 10%, you can secure APRs as low as 6.74% (new models) or 7.24% (used models). Then, rates begin at 7.49% APR if you don’t have a down payment.

Boat loans

The credit union also finances pre-owned and new boats for as long as 180 months. For new models, rates start at 8.24% APR. Meanwhile, used boat loans begin at 8.74% APR.

Recreational vehicle loans

If you’re looking for more adventure, you can apply for recreational vehicle loans, too. You can choose from used and new motors, trailers, campers, and motorized RVs. Interest rates begin at 8.24% APR for new models and 8.74% APR for used ones.

South Carolina Federal Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
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Loan Amount

$25,000

Term

60 months

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South Carolina Federal Credit Union

South Carolina Federal Credit Union auto loan

South Carolina Federal Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate South Carolina Federal Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a South Carolina Federal Credit Union auto loan

Eligibility criteria

Although SC Federal doesn’t specify the requirements to apply for credit, you typically need to satisfy the following:

  • A member of South Carolina Federal
  • 18 years old or older
  • A legal resident
  • Employed or have a steady income

It will also help your application if you boost your credit score. Keep in mind that an excellent credit profile can make you more appealing to lenders. So, they may offer you better APRs and flexible repayment options.

How to join South Carolina Federal

You can join SC Federal through:

  • Family relationships, employers, locations, or military or member associations
  • South Carolina Federal Credit Union Foundation membership and pay a one-time $5 membership fee

What you’ll need to have ready

Personal details

When you apply for auto financing with South Carolina Federal Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide SC Federal with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

When applying for credit, the financial center will also need some details about your vehicle. These include the year, make, model, vehicle identification number (VIN), and mileage.

Ways to apply for a South Carolina Federal auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (800) 845-0432

Additional SC Federal auto loan details

  • Automatic payment: Available.
  • Rate discounts: Discounted interest for Simple Checking or Premium Checking account holders.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Hardship program: Financial assistance available. (Learn more)
  • Ways to repay: Online banking, over the phone, by mail, and in person.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Low loan rates.
  • Flexible payment terms.
  • No prepayment penalty.
  • Rate discounts for members with Simple Checking or Premium Checking accounts.
  • Online prequalification offered.
  • Convenient online loan application.
  • No payments for 90 days.
  • Available on-the-spot financial services at the dealership.
  • Purchase and refinance available.
  • Optional GAP insurance, Mechanical Breakdown Protection, and auto insurance available.
  • Available for various vehicles – cars, trucks, SUVs, motorcycles, trailers, campers, motorized RVs, and more.

Cons

  • Limited to members in South Carolina.
  • Undisclosed loan fees.
  • More than a 10% down payment to qualify for the lowest rate.

FREQUENTLY ASKED QUESTIONS

Are there early repayment fees on SC Federal vehicle loans?

None. You can pay off your auto loan without incurring prepayment penalties.

How much interest does SC Federal Credit Union charge on auto loans?

SC Federal’s auto loans start as low as 6.74% APR for new vehicles and 7.24% APR for used auto loans.

Are there discounts available on SC Federal car loans?

You can get APR discounts if you own either a Simple Checking or a Premium Checking account.

What is the maximum term of a South Carolina Federal auto loan?

Repayment terms extend up to 84 months.

What information do I need to provide when applying for an SC Federal Credit Union vehicle finance?

You need to indicate your name, address, contact details, and Social Security number. Plus, the credit union will ask for your income and employment information.

Does South Carolina Federal Credit Union refinance auto loans?

South Carolina has refinancing loans that will help you save money by lowering your interest or monthly payment.

How to apply for a car loan at South Carolina Federal?

You can apply for credit online, via phone, or by personal visit to the center.

How do I contact SC Federal Credit Union?

You can get in touch with the financial center at (800) 845-0432 to find out more about your loan.

Are the auto loans available in all 50 states?

SC Federal provides auto loans in South Carolina, including Charleston, Columbia, Florence, Georgetown, Greenville, Myrtle Beach, and Spartanburg.

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Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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