Vehicle Loans

Rates that fit your budget and lifestyle.

  • Vehicle Type:

    New Autos, Trucks, Vans


    2.24% to 11.44%

  • Vehicle Type:

    Used Autos, Trucks, Vans


    3.49% to 12.69%

*Not available for internal refinances. Auto loan rates range from 2.24% APR to 12.69% APR and are subject to term, credit union relationship, and credit worthiness. Auto loan rates as low as 2.24% APR on vehicles 5 years old or newer with less than 60,000 miles.  Auto loan rates as low as 3.49% APR for used vehicles with a maximum age of 10 years with less than 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. For a printable version of our loan rates, click here (80 KB PDF).

Is it new or used?


5 years or newer with 60,000 miles or less


6-10 years old with up to 125,000 miles

Mileage does not apply to boats, motors, and trailers.

Recreational Vehicles

  • Vehicle Type:

    New Boats, Motors, Trailers


    4.45% to 14.20%

  • Vehicle Type:

    Used Boats, Motors, Trailers


    5.70% to 14.95%

  • Vehicle Type:

    New RVs, Campers, Customized Vans, Motor Homes, Motorcycles


    4.45% to 14.20%

  • Vehicle Type

    Used RVs, Campers, Customized Vans, Motor Homes, Motorcycles


    5.70% to 14.95%

Subject to term, credit worthiness, and member's credit union relationship. Rates, conditions, and programs are subject to change without notice.

Loan Calculator

Estimate your monthly payment, based on the size of your loan and how long it will take to repay.

This loan calculator is meant to give you a payment estimate only. It does not imply an offer from S.C. State Federal Credit Union. If you have questions about a loan, please contact us.

Your loans are protected.

Guaranteed Asset Protection

With Guaranteed Asset Protection (GAP), if your protected vehicle is ever stolen or declared a total financial loss due to an accident, GAP covers the amount between what you still owe on the vehicle and what your insurance company pays for.

At State Credit Union, if you have to file a GAP claim, you'll get $1,000 off of your replacement vehicle loan financed with us.

Vehicles eligible for GAP Coverage include, but are not limited to, private passenger cars and light trucks, motorcycles, personal watercrafts, boats, campers, and recreational vehicles.

Contact a loan officer for more information and rates.

Mechanical Repair Coverage

With MEMBERS CHOICE Mechanical Repair Coverage (MRC), State Credit Union offers a comprehensive warranty program for your financed vehicle to help pay for untimely mechanical repairs and expenses.

MRC is available in three levels of coverage, and pays for the costs of parts and labor for any covered repair based on the purchased plan. For more information, please contact a loan officer.

Apply for a Loan

Apply online 

Or call us at 800-868-8740