The Best South Carolina Credit Union Auto Loans For You
Get low interest rates, flexible terms & special payment options
At SAFE Federal Credit Union, we are proud to be South Carolina's trusted low-rate auto loan specialists. As one of the state's largest auto lenders, you can rest assured we're experts when it comes to federal credit union auto loans. We offer low interest rates and great finance options on both new and used vehicles, with terms up to 84 months. Apply online for a low interest car loan from SAFE or refinance your auto loan from another lender. Either way, we're committed to giving you the best experience possible!
Want to estimate your auto loan payment? Use our free auto loan calculator to get started.
Low Auto Loan Rates in SC
* APR = Annual Percentage Rate. Auto refinancing offer applies only to loans financed by institutions other than SAFE. Proof of address and verification of employment are required. Minimum loan amount is $5,000. Rate is determined by credit score, term, and vehicle model year. Payment example: on a $35,000 auto at 5.49% APR for 60 months, your payment would be $670/month. On a $35,000 auto at 6.24% APR for 84 months, your monthly payment would $520/ month. Financing up to 84 months available for qualifying vehicles. Maximum loan-to-value limits apply. Conditions and terms are subject to change without notice.
At SAFE Federal Credit Union, we're focused on giving SC residents the best experience when looking for low-rate auto loans. That's why we've made it easy to apply online for your car loan or refinance any loan from another institution. Simply follow these steps:
- Click the button below to access SAFE’s secure auto loan application portal.
- Answer a few quick questions about yourself.
- Get instant approval, or additional auto loan support from one of our friendly loan experts.
Auto Loan FAQs
If you’re looking for a terrific car loan, get started now and apply online. It’s a quick and easy process with fast turnaround from the SAFE loans team. Depending on your application information, you may get an approval immediately. If not, a loan officer will contact you within 24-48 hours to ask a few additional questions before your application is processed.
Before you start, it may be helpful to check your credit report. SAFE members can access their FICO® Credit Score at no cost through our Online & Mobile Banking. While SAFE doesn't use this score for application approval, this still allows you to check for errors and to dispute any issues ahead of time.
Our car loan rates depend on both the length of your repayment term and the age of the vehicle you want to buy. See current auto loan rates on our Rates page.
Just like there are benefits to saving with a credit union, there are benefits to borrowing from one, too. As a not-for-profit credit union, we offer:
- Lower interest rates
- Fewer fees
- Friendly, personalized assistance from local loan officers
Not a SAFE member? You may qualify for membership based on your location or your membership in one of our partner organizations (including your employer). Learn more about joining SAFE on our Membership page.
At SAFE, we refinance if your auto loan is at another institution (loans currently at SAFE are excluded). To get started quickly, it helps to have your account info, vehicle identification number (VIN), and payoff information on hand.
Apply Now
You can check the status of a pending loan application quickly and easily in our loan portal. Simply visit the link below and enter some basic information to help us identify you.
SAFE offers TruStage™ life and disability insurance on its credit and loan products. Talk to a member of our team at 1-800-763-8600 to see if your loan is covered, or to add insurance to your loan.
Filing an insurance claim is convenient and easy through the TruStage™ claims portal. Click here for more information and to get started with your claim now.
TruStage™ Auto Insurance Program
Our business partners at TruStage™ Insurance Agency, LLC offer discounted rates, secure online access, and 24-hour claims processing services—all for the express purpose of connecting you with the coverage that you need to protect yourself and your family.
Get your free quote from TruStage™ today, or call 1-855-483-2149 for more information.
Loans for Your Boat, Motorcycle, or RV
Whether you're looking to get out on the water or take a road trip, SAFE can help finance your next boat, ATV, RV, or motorcycle.
Car Buying Made Simple
Our TrueCar® Auto Buying Service and Indirect Lending Program make car purchases simpler and more accessible for our members.
Calculate Your Car Payments
Before you commit to a new- or used-car contract, take a few minutes to scope out your anticipated monthly payment. Our free auto loan calculator can help you understand how variables like down payment, loan term, and interest rate can affect your car payments.
Stop Fraud. Not the fun!
SAFE has added new features to it's automated fraud system—giving you advanced debit and credit card protection, all from the palm of your hand.
More Auto Loan Benefits
Discounted GAP Coverage
If your vehicle is stolen or totaled, GAP insurance covers the difference between what you owe on your car and its depreciated value. This low-cost coverage can be purchased at any time during the life of your loan.
Credit Life Insurance
Protect your assets and your peace of mind with this inexpensive insurance benefit specifically designed to pay off your loan in the event you pass away.
Credit Disability Insurance
If injury or illness makes you unable to work, credit disability coverage will take over your loan payments until you return to work. For just a few dollars a month, this benefit could make all the difference if an emergency arises.
Mechanical Repair Coverage
This low-cost coverage protects you from costly vehicle repairs that can come out of nowhere. Coverage begins on the day you purchase it and includes rental reimbursement, 24 -hour roadside assistance, and travel expense reimbursement.**
Get Answers to Your Car Loan Questions
If you have questions before you begin, please reach out! We can evaluate your current auto loan to see if we can help lower your monthly payment. Contact us for a free payment analysis at 1-800-763-8600, ext. 2375 or find a SAFE Federal Credit Union branch near you.
Skip Up To Two Payments Per Year
SAFE Federal Credit Union's Skip Pay Program provides the option to defer up to two payments annually on qualifying loans. If you have a car, boat, motorcycle, or personal loan with SAFE, you may be eligible to skip a payment and use those funds elsewhere. To take advantage of this benefit, simply complete the Skip Pay Request Form via SAFE's online banking portal or download and print the form. You can then submit it at any SAFE branch or email it to our Member Service Center at msc@safefed.org. Learn more about our Skip Pay Program today.