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SouthState Bank Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 07 November 2023
Fact checked

SouthState Bank auto loans overview

SouthState Bank logo

SouthState Bank has multiple branches in Florida, Alabama, Georgia, North Carolina, South Carolina, and Virginia and provides auto loan choices across 48 states. Whether you’re financing old or new models, you can secure workable rates and repayment options for a range of vehicles. This includes cars, SUVs, motorcycles, boats, recreational vehicles, and more.

Want to see what a SouthState auto loan will cost? Try the SouthState Bank 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 SouthState Bank auto loan features

  • Minimum loan amount: $4,000 for 72 months and $50,000 for 84 months.
  • Maximum loan amount: $150,000.
  • Interest rates: From 6.64% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: $150 loan origination fee.
  • Discounts: Autopay discount from a SouthState checking account.

SOUTHSTATE BANK AUTO LOAN OPTIONS

New and used auto loans

SouthState Bank offers financing with competitive rates and long terms for cars, trucks, and SUVs. For a 72-month term, new car rates start at 6.64% APR, while used car rates begin at 6.83% APR. But for an 84-month term, new auto loans start at 7.11% APR.

Boat loans

Other than cars, trucks, and SUVs, you can also finance boats up to $300,000. Rates start as low as 7.79% APR for new boat loans and 8.05% APR for used boat loans. Plus, repayment terms stretch as long as 144 months.

Motorcycle loans

If you’re after two-wheel rides, SouthState offers competitive pre-owned and new motorcycle loans, too. Interest rates can start at 7.10% APR, and you can make your loan payments for up to 72 months. Moreover, you can finance up to $50,000.

RV and powersport loans

Loans tailored for recreational and powersport vehicles are also available at the bank. For RV loans, rates begin at 7.29% APR and terms can be up to 144 months. And if you plan to finance powersport vehicles, you may secure rates from 8.27% APR for 60 months.

SouthState Bank auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

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South State Bank

South State Bank auto loan

South State Bank 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 State Bank 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 State Bank auto loan

Eligibility criteria

Even if SouthState Bank doesn’t disclose the exact requirements online, you normally need to meet the following to borrow funds:

  • At least 18 years old
  • A legal resident
  • Be Employed or have a reliable source of income

Try to check your credit score, too. Keeping a high credit score can generally help you show banks and other lenders that you can properly handle debts. In turn, you may qualify for lower rates and better repayment options.

What you’ll need to have ready

Personal details

When you apply for auto financing with SouthState Bank, 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 SouthState 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.

In addition, it’s also beneficial to be aware of the steps involved in applying for a car loan. This way, you know what to expect from your application and can take careful consideration before settling on a loan offer from the bank.

Ways to apply for a SouthState Bank auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (800) 277-2175

Additional SouthState auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but SouthState Bank can take a day or more depending on your application.
  • Rate discounts: 0.50% APR discount for automatic payments from a SouthState checking account.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking and phone banking.

Vehicle restrictions and limitations

  • Maximum vehicle age: 2020 for used auto loans with a 72-month term.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Competitive rates.
  • Flexible repayment terms.
  • 0.50% autopay discount.
  • Convenient online application.
  • Available to new and used vehicles.
  • Automatic payments available
  • Joint applications allowed.
  • Loans tailored for cars, trucks, SUVs, recreational vehicles, boats, and more.
  • Loans offered in 48 states.

Cons

  • $150 loan origination fee.
  • Higher minimum loan amount for longer terms.
  • Undisclosed vehicle requirements.

FREQUENTLY ASKED QUESTIONS

What is the phone number for the SouthState Bank loan?

You can reach out to SouthState Bank at (800) 277-2175 to know more about loans.

Are there discounts available on SouthState auto loans?

You can get a 0.50% APR discount when you set up automatic transfers from a SouthState checking account.

How much interest does SouthState Bank charge on vehicle loans?

SouthState Bank’s auto financing begins at 6.64% APR for new cars and 6.83% APR for used vehicles.

Can I apply for a SouthState auto financing online?

Yes. You can apply online for vehicle financing.

What information do I need to provide when applying for a SouthState auto loan?

You need to provide your personal and contact details along with your Social Security number when you open an account. Additionally, SouthState will need details about your income and employment.

How much do I qualify for with a SouthState Bank auto loan?

Loans can be up to $150,000. Remember though that all loans are subject to credit approval.

Are the car loans available in all 50 states?

SouthState Bank offers credit in 48 states with some restrictions for New York and New Jersey residents.

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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