Search Search Locations Contact About Rates Log In Join Accounts & Services Loans & Credit Investments Vehicle Loans Enjoy no payments for up to 90 days!* Applying online is fast and easy. APPLY Rates that fit your budget and lifestyle. VEHICLE TYPE APR New Autos, Trucks, Vans 1.99% to 11.19% Used Autos, Trucks, Vans 3.24% to 12.44% *Not available for internal refinances. Auto loan rates range from 1.99% APR to 12.44% APR and are subject to term, credit union relationship, and credit worthiness. Auto loan rates as low as 1.99% APR on vehicles 5 years old or newer with less than 60,000 miles. Auto loan rates as low as 3.24% 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? New: 5 years or newer with 60,000 miles or less Used: 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 $1,500 extra on your financed loan amount to install a convenient EV charging station at your home. See All Loan Rates Download Loan Rate Sheet Rates for Recreational Vehicles VEHICLE TYPE APR New Boats, Motors, Trailers 4.45% to 14.20% Used Boats, Motors, Trailers 5.70% to 14.95% New RVs, Campers, Customized Vans, Motor Homes, Motorcycles 4.45% to 14.20% Used RVs, Campers, Customized Vans, Motor Homes, Motorcycles 5.70% to 14.95% Subject to term, credit worthiness, and member's credit union relationship. Rates, conditions, and programs are subject to change without notice. Loan Calculator Estimate your monthly payment, based on the size of your loan and how long it will take to repay. This loan calculator is meant to give you a payment estimate only. It does not imply an offer from S.C. State Federal Credit Union. If you have questions about a loan, please contact us. Loan Amount ($): Loan Length (months): Interest Rate (%): 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. 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, ext. 8760. Vehicle Insurance Discounts Get a Vehicle Loan Apply Online Not a member? Find out how you can join! Chances are, you qualify for membership! Join Today Careers Locations Contact Taking Members Where They Want to Go 800-868-8740 Facebook Twitter Instagram Disclosures Privacy & Security © SC State Federal Credit Union. All rights reserved. Site by truematter Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.