Vehicle Loans

Rates that fit your budget and lifestyle.

  • Vehicle Type:

    New Autos, Trucks, Vans


    4.49% to 13.94%

  • Vehicle Type:

    Used Autos, Trucks, Vans


    5.99% to 15.69%

*Not available for internal refinances. Auto loan rates range from 4.49% APR to 15.69% APR and are subject to term, credit union relationship, and credit worthiness. Auto loan rates as low as 4.49% APR on vehicles 5 years old or newer with less than 60,000 miles.  Auto loan rates as low as 5.99% 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.

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

Boats, Motors, and Trailers

Mileage does not apply to these vehicles.

Buying a Plug-In Hybrid or Electric Vehicle (EV)?

You can ask for up to $1,500 extra on your financed loan amount to install a convenient EV charging station at your home.

Rates for Recreational Vehicles

  • Vehicle Type:

    New Boats, Motors, Trailers


    6.95% to 16.95%

  • Vehicle Type:

    Used Boats, Motors, Trailers


    8.45% to 17.95%

  • Vehicle Type:

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


    6.95% to 16.95%

  • Vehicle Type

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


    8.45% to 17.95%

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. SCU's GAP also covers up to $500 on your deductible if you ever get in a vehicle accident. 

Loan Reduction

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

Eligible Vehicles

GAP coverage can protect private passenger cars and light trucks, motorcycles, personal watercrafts, boats, campers, recreational vehicles, and more.

Mechanical Repair Coverage

With Mechanical Repair Coverage (MRC), we offer a comprehensive warranty program for your financed vehicle to help pay for untimely mechanical repairs and expenses.

Coverage Options

We offer three levels of coverage to pay the cost of parts and labor for any covered repair. Amount covered is based on the purchased plan. For rates and coverage details, call 800-868-8740, option 6.

Information from the US Department of Energy and the Environmental Protection Agency

Fuel economy is an important factor for consumers shopping for a vehicle.  Each year, the DOE and EPA publish the Fuel Economy Guide to help consumers make informed decisions when purchasing a vehicle.  You may obtain a printable, electronic version of the 2023 Fuel Economy Guide by clicking here.

DOE and EPA have also developed a fuel economy website that features updated fuel economy data for new and used passenger vehicles dating back to 1984.  Click here to visit their website.