Forest Acres, SC Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Forest Acres, South Carolina auto loan rates from lenders serving South Carolina range from 3.49% to 6.00% APR, verified by MonitorBankRates as of October 12, 2026. Current auto loan rates in Forest Acres, South Carolina include Market USA Federal Credit UnionMarket USA Federal Credit UnionA+5.0 ★Texas Ratio: 4.76% offering New Auto at 3.49%, Tru Federal Credit UnionTru Federal Credit UnionA+5.0 ★Texas Ratio: 2.18% offering New Vehicle Loan at 3.50%, Columbia Post Office Credit UnionColumbia Post Office Credit UnionA+5.0 ★Texas Ratio: 0.16% offering New Cars 2024-2027 Loan at 3.50%, Navy Federal Credit UnionNavy Federal Credit UnionA5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, South Carolina State Federal Credit UnionSouth Carolina State Federal Credit UnionA+5.0 ★Texas Ratio: 2.89% offering Vehicle Loans at 3.95%. Auto loan rates as of October 12, 2026 according to verified data from MonitorBankRates.
Forest Acres borrowers have access to 33 lenders serving the South Carolina area, with auto loan rates as low as 3.49% APR from Market USA Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Forest Acres, South Carolina. Auto Loan Rates Last Updated and Verified: October 12, 2026
Compare Auto Loan Rates Today in Forest Acres, South Carolina & Surrounding Area
Forest Acres Auto Loan Rates
As Low As
As Low As
APR* and up
Credit Scores: 800-850; Percent Financed: 100%
As Low As
As Low As; Rates subject to change.
Max term of 96 months
As Low As; Rates and terms are subject to credit approval and may vary based on credit history, loan term, vehicle year, mileage, loan-to-value, and how/when the vehicle has been titled. Rates are effective as of 1/1/2026 and subject to change without notice.
Term: Up to 84 months, Depending on Age; As Low As
Published APR range: 3.99%-17.99%.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Vehicles less than 50,000 miles, < 125% LTV; Specialty Vehicles may carry a supplement of up to 200 basis points
As Low As; Vehicles less than 50,000 miles, < 125% LTV; Specialty Vehicles may carry a supplement of up to 200 basis points
Credit Score: 730+; Grade of Paper: A+
Credit Score: 730+; Grade of Paper: A+
Credit Scores: 725-799; Percent Financed: 100%
As low as
As low as
APR range: 4.24%^-9.99%
APR range: 4.24%^-9.99%
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Credit Score: 730+; Grade of Paper: A+
As Low As
As Low As; Fixed Rate
As Low As
As Low As; Rates subject to change.
As low as
As low as
as low as
- Oct 5, 20264.49%▲ from 3.74%
- Sep 14, 20263.74%first recorded
As Low As*
Rates as low as: (0 - 1 year)
- Oct 5, 20264.49%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Vehicles less than 50,000 miles, < 125% LTV; Specialty Vehicles may carry a supplement of up to 200 basis points
Credit Score: 680 - 729; Grade of Paper: A
Credit Score: 680 - 729; Grade of Paper: A
Credit Score: 730+; Grade of Paper: A+
As Low As
As Low As; Fixed Rate
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Rates As Low As; No Payment for 90 Days
APR as low as *
Published APR range: 4.50% - 18.00%.
Credit Scores: 800-850; Percent Financed: 100%
Credit Scores: 625-724; Percent Financed: 100%
As Low As
As Low As; Rates subject to change.
As Low As
As Low As
As Low As
As Low As
As low as
Rate determined by creditworthiness, term of loan, and loan to value (LTV). Loan rates and terms based on creditworthiness and qualifying purchase, so your rate may differ. Rates are based on 2024 model vehicle or newer. Rates quoted assume excellent borrower credit history, and an LTV less than 80%. Not all applicants will qualify for the lowest rate. Certain conditions, restrictions, and eligibility requirements may apply. AllSouth does not permit internal refinances of an existing AllSouth auto loan.
as low as
- Oct 5, 20264.74%▲ from 3.99%
- Sep 21, 20263.99%first recorded
as low as
- Oct 5, 20264.74%▲ from 3.99%
- Sep 21, 20263.99%first recorded
As Low As*
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a new auto loan with the term & APR listed above calculating the payment per $1,000.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Maximum Term in Years: 3; APR: 5.75%
Maximum Term in Years: 4; APR: 5.75%
Credit Score: 680 - 729; Grade of Paper: A
Credit Score: 680 - 729; Grade of Paper: A
As Low As
As Low As; Rates subject to change.
Rate determined by creditworthiness, term of loan, and loan to value (LTV). Loan rates and terms based on creditworthiness and qualifying purchase, so your rate may differ. Rates are based on 2024 model vehicle or newer. Rates quoted assume excellent borrower credit history, and an LTV less than 80%. Not all applicants will qualify for the lowest rate. Certain conditions, restrictions, and eligibility requirements may apply. AllSouth does not permit internal refinances of an existing AllSouth auto loan.
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates shown are for model years 2022-2023 and include the All-In Member Pricing interest rate discount of up to 0.50% APR. Rates for 2021 and older models may be higher. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Rates for model years 2021 and older may be higher. Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a used auto loan with the term & APR listed above calculating the payment per $1,000. Rates displayed are for model years 2022-2023.
As Low As
As Low As; Fixed Rate
Term: up to 60 months financing; As Low As; *
As low as
As low as
As Low As*
As low as; *
As low as; *
As low as; *
As low as; *
As low as; *
Additional APR listed for this product: 6.99%. As low as; *
Promotion applies to applications for new and used auto loans received between 10/1/2026 through 11/30/2026. Offer is only valid on vehicle loans not currently financed at SRP FCU. Interest will accrue during the 90-day no payment period. As Low As; Rate may vary depending on individual's credit history and other factors.
Published APR range: 4.99% - 18.00%.
Published APR range: 4.99% - 18.00%.
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a new auto loan with the term & APR listed above calculating the payment per $1,000.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Vehicles less than 50,000 miles, < 125% LTV; Specialty Vehicles may carry a supplement of up to 200 basis points
Maximum Term in Years: 5; APR: 6.00%
Credit Score: 730+; Grade of Paper: A+
As low as*; Model Year: 2026 and Newer
- Oct 5, 20265.00%▲ from 4.75%
- Sep 17, 20264.75%first recorded
As low as*; Model Year: 2026 and Newer
- Oct 5, 20265.00%▲ from 4.75%
- Sep 17, 20264.75%first recorded
As low as*^; Model Year: 2026 and Newer
- Oct 5, 20265.00%▲ from 4.84%
- Sep 14, 20264.84%first recorded
As low as*; Model Year: 2024, 2023, and 2022
- Oct 5, 20265.00%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As low as*; Model Year: 2024, 2023, and 2022
- Oct 5, 20265.00%▼ from 5.44%
- Sep 29, 20265.44%first recorded
As low as*; Model Year: 2026 and 2025
- Oct 5, 20265.00%▲ from 4.75%
- Sep 14, 20264.75%first recorded
As low as*; Model Year: 2026 and 2025
- Oct 5, 20265.00%▲ from 4.84%
- Sep 29, 20264.84%first recorded
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
APR as low as *
Credit Scores: 800-850; Percent Financed: 100%
Credit Scores: 725-799; Percent Financed: 100%
Credit Scores: 750-850; Percent Financed: 100%
Rate determined by creditworthiness, term of loan, and loan to value (LTV). Loan rates and terms based on creditworthiness and qualifying purchase, so your rate may differ. Rates are based on 2024 model vehicle or newer. Rates quoted assume excellent borrower credit history, and an LTV less than 80%. Not all applicants will qualify for the lowest rate. Certain conditions, restrictions, and eligibility requirements may apply. AllSouth does not permit internal refinances of an existing AllSouth auto loan.
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates shown are for model years 2022-2023 and include the All-In Member Pricing interest rate discount of up to 0.50% APR. Rates for 2021 and older models may be higher. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Rates for model years 2021 and older may be higher. Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a used auto loan with the term & APR listed above calculating the payment per $1,000. Rates displayed are for model years 2022-2023.
As low as
As low as*^; Model Year: 2026 and Newer
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As
As Low As
As low as*; Model Year: 2021 and 2020
As low as
As low as
As low as
As Low As*
Published APR range: 5.24% - 18.00%.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Maximum Term in Years: 6; APR: 6.25%
Credit Score: 680 - 729; Grade of Paper: A
Term: up to 60 months financing; As Low As
As Low As
As Low As; Rates subject to change.
As Low As
As Low As; Rates subject to change.
As low as*^; Model Year: 2026 and 2025
- Oct 5, 20265.44%▲ from 4.84%
- Sep 29, 20264.84%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As low as
As low as
Published APR range: 5.49% - 18.00%.
Rates as low as: (0 - 1 year)
- Oct 5, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Rates as low as: (2 - 10 years)
- Oct 5, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Rates listed are for Autos two years old or newer. Other rates and terms available for autos up to 4 years old. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Payments listed are only examples. Payment examples are based off a Payment Saver auto loan with the term & APR listed above calculating the payment per $1,000.
As Low As; Vehicles 2021-2016 with 50,001 to 130,000 miles; Specialty vehicles may carry a supplement of up to 200 basis points
As low as; 4.50%
As low as; 4.50%
As Low As*
Credit Scores: 725-799; Percent Financed: 100%
Published APR range: 5.54% - 16.74%. Model Year: 2025 - Newer
- Oct 7, 20265.54%▲ from 5.14%
- Sep 15, 20265.14%first recorded
($15,000+)
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As; *
Additional APR listed for this product: 7.99%. Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. Certain rate discounts and premiums may apply based on the specific factors of each application. Possible 0.25% rate discount is available, depending on your credit score, for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.25%.
As Low As
As Low As
As low as
as low as
- Oct 5, 20265.74%▲ from 4.99%
- Sep 14, 20264.99%first recorded
as low as
Published APR range: 5.74% - 18.00%.
Rates listed are for Autos two years old or newer. Other rates and terms available for autos up to 4 years old. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Payments listed are only examples. Payment examples are based off a Payment Saver auto loan with the term & APR listed above calculating the payment per $1,000.
As Low As; ($25,000); APR includes 0.25% automatic payment and direct deposit discount
As Low As; ($25,000); APR includes 0.25% automatic payment and direct deposit discount
As low as; 4.75%
Credit Score: 730+; Grade of Paper: A+
As Low As
As Low As; Fixed Rate
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Term: up to 60 months financing; As Low As; *
As low as
As low as
Published APR range: 5.89% - 18%. Estimated Monthly Payment Examples: $385.63 a month based on a 5-year, $20,000 loan at 5.89% APR. Lowest rates advertised are based on an established member's loan with a term of 60 months or less and LTV of 90% or less. Rates are higher for LTV over 90% or terms greater than 60 months. Collateral not to exceed 150,000 in mileage. LTV is based on Kelley Blue Book wholesale or dealer invoice. Terms up to 84 months.
Published APR range: 5.94% - 17.24%. Model Year: 2025 - Newer
- Oct 7, 20265.94%▲ from 5.54%
- Sep 15, 20265.54%first recorded
Additional APR listed for this product: 6.44%. As low as*^; Model Year: 2024, 2023, and 2022
- Oct 5, 20265.94%▲ from 5.44%
- Sep 29, 20265.44%first recorded
Published APR range: 5.99% - 17.24%. Model Year: 2019 - 2024
- Sep 27, 20265.99%▲ from 5.64%
- Sep 15, 20265.64%first recorded
As low as*; Model Year: 2021 and 2020
As low as
As low as
as low as
As low as; *
As Low As
As Low As; Rates subject to change.
As low as; 5.00%
Credit Grade: A+
Credit Score: 680 - 729; Grade of Paper: A
- Oct 5, 20266.00%▲ from 5.75%
- Sep 14, 20265.75%first recorded
APR as low as *
Published APR range: 6.00% - 18.00%.
Rates as low as: (2 - 10 years)
- Oct 5, 20266.00%▲ from 5.50%
- Sep 14, 20265.50%first recorded
Credit Scores: 625-724; Percent Financed: 100%
Credit Scores: 550-624; Percent Financed: 100%
Credit Scores: 750-850; Percent Financed: 100%
Forest Acres New Auto Auto Loan Rates
As Low As
APR* and up
Credit Scores: 800-850; Percent Financed: 100%
As Low As
As Low As; Rates subject to change.
As Low As; Rates and terms are subject to credit approval and may vary based on credit history, loan term, vehicle year, mileage, loan-to-value, and how/when the vehicle has been titled. Rates are effective as of 1/1/2026 and subject to change without notice.
Published APR range: 3.99%-17.99%.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Credit Score: 730+; Grade of Paper: A+
Credit Score: 730+; Grade of Paper: A+
Credit Scores: 725-799; Percent Financed: 100%
As low as
As low as
APR range: 4.24%^-9.99%
APR range: 4.24%^-9.99%
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Credit Score: 730+; Grade of Paper: A+
As Low As
As Low As
As Low As; Rates subject to change.
As low as
As low as
as low as
- Oct 5, 20264.49%▲ from 3.74%
- Sep 14, 20263.74%first recorded
As Low As*
Rates as low as: (0 - 1 year)
- Oct 5, 20264.49%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Credit Score: 680 - 729; Grade of Paper: A
Credit Score: 680 - 729; Grade of Paper: A
Credit Score: 730+; Grade of Paper: A+
As Low As
Rates As Low As; No Payment for 90 Days
APR as low as *
Published APR range: 4.50% - 18.00%.
Credit Scores: 800-850; Percent Financed: 100%
Credit Scores: 625-724; Percent Financed: 100%
As Low As
As Low As; Rates subject to change.
As Low As
As Low As
As low as
Rate determined by creditworthiness, term of loan, and loan to value (LTV). Loan rates and terms based on creditworthiness and qualifying purchase, so your rate may differ. Rates are based on 2024 model vehicle or newer. Rates quoted assume excellent borrower credit history, and an LTV less than 80%. Not all applicants will qualify for the lowest rate. Certain conditions, restrictions, and eligibility requirements may apply. AllSouth does not permit internal refinances of an existing AllSouth auto loan.
as low as
- Oct 5, 20264.74%▲ from 3.99%
- Sep 21, 20263.99%first recorded
as low as
- Oct 5, 20264.74%▲ from 3.99%
- Sep 21, 20263.99%first recorded
As Low As*
Credit Score: 680 - 729; Grade of Paper: A
Credit Score: 680 - 729; Grade of Paper: A
Rate determined by creditworthiness, term of loan, and loan to value (LTV). Loan rates and terms based on creditworthiness and qualifying purchase, so your rate may differ. Rates are based on 2024 model vehicle or newer. Rates quoted assume excellent borrower credit history, and an LTV less than 80%. Not all applicants will qualify for the lowest rate. Certain conditions, restrictions, and eligibility requirements may apply. AllSouth does not permit internal refinances of an existing AllSouth auto loan.
As Low As
Term: up to 60 months financing; As Low As; *
As low as
As low as
As Low As*
As low as; *
As low as; *
As low as; *
Promotion applies to applications for new and used auto loans received between 10/1/2026 through 11/30/2026. Offer is only valid on vehicle loans not currently financed at SRP FCU. Interest will accrue during the 90-day no payment period. As Low As; Rate may vary depending on individual's credit history and other factors.
Published APR range: 4.99% - 18.00%.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Credit Score: 730+; Grade of Paper: A+
As low as*; Model Year: 2026 and Newer
- Oct 5, 20265.00%▲ from 4.75%
- Sep 17, 20264.75%first recorded
As low as*; Model Year: 2026 and Newer
- Oct 5, 20265.00%▲ from 4.75%
- Sep 17, 20264.75%first recorded
As low as*^; Model Year: 2026 and Newer
- Oct 5, 20265.00%▲ from 4.84%
- Sep 14, 20264.84%first recorded
APR as low as *
Credit Scores: 800-850; Percent Financed: 100%
Credit Scores: 725-799; Percent Financed: 100%
Rate determined by creditworthiness, term of loan, and loan to value (LTV). Loan rates and terms based on creditworthiness and qualifying purchase, so your rate may differ. Rates are based on 2024 model vehicle or newer. Rates quoted assume excellent borrower credit history, and an LTV less than 80%. Not all applicants will qualify for the lowest rate. Certain conditions, restrictions, and eligibility requirements may apply. AllSouth does not permit internal refinances of an existing AllSouth auto loan.
As low as*^; Model Year: 2026 and Newer
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As
As low as
As Low As*
Published APR range: 5.24% - 18.00%.
Credit Score: 680 - 729; Grade of Paper: A
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As low as
Published APR range: 5.49% - 18.00%.
Rates as low as: (0 - 1 year)
- Oct 5, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As low as; 4.50%
As low as; 4.50%
Credit Scores: 725-799; Percent Financed: 100%
Published APR range: 5.54% - 16.74%. Model Year: 2025 - Newer
- Oct 7, 20265.54%▲ from 5.14%
- Sep 15, 20265.14%first recorded
($15,000+)
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As; *
As Low As
as low as
- Oct 5, 20265.74%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; ($25,000); APR includes 0.25% automatic payment and direct deposit discount
As low as; 4.75%
Credit Score: 730+; Grade of Paper: A+
As Low As
As low as
As low as
Published APR range: 5.89% - 18%. Estimated Monthly Payment Examples: $385.63 a month based on a 5-year, $20,000 loan at 5.89% APR. Lowest rates advertised are based on an established member's loan with a term of 60 months or less and LTV of 90% or less. Rates are higher for LTV over 90% or terms greater than 60 months. Collateral not to exceed 150,000 in mileage. LTV is based on Kelley Blue Book wholesale or dealer invoice. Terms up to 84 months.
Published APR range: 5.94% - 17.24%. Model Year: 2025 - Newer
- Oct 7, 20265.94%▲ from 5.54%
- Sep 15, 20265.54%first recorded
As low as
As low as; *
As Low As
As Low As; Rates subject to change.
As low as; 5.00%
Credit Grade: A+
Credit Score: 680 - 729; Grade of Paper: A
- Oct 5, 20266.00%▲ from 5.75%
- Sep 14, 20265.75%first recorded
APR as low as *
Credit Scores: 625-724; Percent Financed: 100%
Credit Scores: 550-624; Percent Financed: 100%
Forest Acres Used Auto Auto Loan Rates
As Low As
Published APR range: 3.99%-17.99%.
Credit Score: 730+; Grade of Paper: A+
Credit Score: 730+; Grade of Paper: A+
APR range: 4.24%^-9.99%
Credit Score: 730+; Grade of Paper: A+
As Low As; Fixed Rate
As Low As*
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Credit Score: 680 - 729; Grade of Paper: A
Credit Score: 680 - 729; Grade of Paper: A
Credit Score: 730+; Grade of Paper: A+
As Low As; Fixed Rate
Rates As Low As; No Payment for 90 Days
As Low As
As Low As
Rate determined by creditworthiness, term of loan, and loan to value (LTV). Loan rates and terms based on creditworthiness and qualifying purchase, so your rate may differ. Rates are based on 2024 model vehicle or newer. Rates quoted assume excellent borrower credit history, and an LTV less than 80%. Not all applicants will qualify for the lowest rate. Certain conditions, restrictions, and eligibility requirements may apply. AllSouth does not permit internal refinances of an existing AllSouth auto loan.
As Low As*
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Maximum Term in Years: 3; APR: 5.75%
Maximum Term in Years: 4; APR: 5.75%
Credit Score: 680 - 729; Grade of Paper: A
Credit Score: 680 - 729; Grade of Paper: A
As Low As
As Low As; Rates subject to change.
Rate determined by creditworthiness, term of loan, and loan to value (LTV). Loan rates and terms based on creditworthiness and qualifying purchase, so your rate may differ. Rates are based on 2024 model vehicle or newer. Rates quoted assume excellent borrower credit history, and an LTV less than 80%. Not all applicants will qualify for the lowest rate. Certain conditions, restrictions, and eligibility requirements may apply. AllSouth does not permit internal refinances of an existing AllSouth auto loan.
As Low As; Fixed Rate
As Low As*
As low as; *
As low as; *
Additional APR listed for this product: 6.99%. As low as; *
Promotion applies to applications for new and used auto loans received between 10/1/2026 through 11/30/2026. Offer is only valid on vehicle loans not currently financed at SRP FCU. Interest will accrue during the 90-day no payment period. As Low As; Rate may vary depending on individual's credit history and other factors.
Published APR range: 4.99% - 18.00%.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Maximum Term in Years: 5; APR: 6.00%
Credit Score: 730+; Grade of Paper: A+
As low as*; Model Year: 2024, 2023, and 2022
- Oct 5, 20265.00%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As low as*; Model Year: 2024, 2023, and 2022
- Oct 5, 20265.00%▼ from 5.44%
- Sep 29, 20265.44%first recorded
As low as*; Model Year: 2026 and 2025
- Oct 5, 20265.00%▲ from 4.75%
- Sep 14, 20264.75%first recorded
As low as*; Model Year: 2026 and 2025
- Oct 5, 20265.00%▲ from 4.84%
- Sep 29, 20264.84%first recorded
Credit Scores: 750-850; Percent Financed: 100%
Rate determined by creditworthiness, term of loan, and loan to value (LTV). Loan rates and terms based on creditworthiness and qualifying purchase, so your rate may differ. Rates are based on 2024 model vehicle or newer. Rates quoted assume excellent borrower credit history, and an LTV less than 80%. Not all applicants will qualify for the lowest rate. Certain conditions, restrictions, and eligibility requirements may apply. AllSouth does not permit internal refinances of an existing AllSouth auto loan.
As low as
As Low As
As low as*; Model Year: 2021 and 2020
As low as
As low as
As Low As*
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Maximum Term in Years: 6; APR: 6.25%
Credit Score: 680 - 729; Grade of Paper: A
Term: up to 60 months financing; As Low As
As Low As
As Low As; Rates subject to change.
As Low As
As Low As; Rates subject to change.
As low as*^; Model Year: 2026 and 2025
- Oct 5, 20265.44%▲ from 4.84%
- Sep 29, 20264.84%first recorded
As low as
Rates as low as: (2 - 10 years)
- Oct 5, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As*
($15,000+)
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
Additional APR listed for this product: 7.99%. Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. Certain rate discounts and premiums may apply based on the specific factors of each application. Possible 0.25% rate discount is available, depending on your credit score, for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.25%.
As Low As
As low as
Published APR range: 5.74% - 18.00%.
As Low As; ($25,000); APR includes 0.25% automatic payment and direct deposit discount
Credit Score: 730+; Grade of Paper: A+
As Low As; Fixed Rate
Term: up to 60 months financing; As Low As; *
Additional APR listed for this product: 6.44%. As low as*^; Model Year: 2024, 2023, and 2022
- Oct 5, 20265.94%▲ from 5.44%
- Sep 29, 20265.44%first recorded
Published APR range: 5.99% - 17.24%. Model Year: 2019 - 2024
- Sep 27, 20265.99%▲ from 5.64%
- Sep 15, 20265.64%first recorded
As low as*; Model Year: 2021 and 2020
As low as
Credit Grade: A+
Credit Score: 680 - 729; Grade of Paper: A
- Oct 5, 20266.00%▲ from 5.75%
- Sep 14, 20265.75%first recorded
Published APR range: 6.00% - 18.00%.
Rates as low as: (2 - 10 years)
- Oct 5, 20266.00%▲ from 5.50%
- Sep 14, 20265.50%first recorded
Credit Scores: 750-850; Percent Financed: 100%
Forest Acres, SC Auto Loan Rate Trends
Compare local Forest Acres, SC auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
South Carolina new auto rates rose 0.075 points over the past 7 days to 5.208% APR.
South Carolina used auto rates fell 0.052 points over the past 7 days to 5.704% APR.
Forest Acres, SC Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current South Carolina figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average South Carolina APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.21% APR SC average | Used Auto @ 5.70% APR SC average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.50/mo | $287.93/mo | $3.43/mo |
| $25,000 | $474.16/mo | $479.89/mo | $5.72/mo |
| $35,000 | $663.83/mo | $671.84/mo | $8.01/mo |
| $45,000 | $853.49/mo | $863.80/mo | $10.30/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Forest Acres, South Carolina
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Forest Acres, South Carolina locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in South Carolina. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Forest Acres, South Carolina high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Forest Acres, South Carolina CD rates lock in a guaranteed return until you’re ready to buy
Forest Acres, South Carolina Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $569 monthly car payment works out to roughly 12.2% of the median individual income in Forest Acres, South Carolina. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Forest Acres, South Carolina, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Forest Acres, South Carolina. We’ve prefilled the APR with today’s SC new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Forest Acres, South Carolina auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Forest Acres, South Carolina directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Forest Acres, South Carolina. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in SC.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in Forest Acres, South Carolina
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Forest Acres, South Carolina
How does my credit score affect my car loan rate in South Carolina?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Forest Acres, South Carolina?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Forest Acres, South Carolina?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Forest Acres, South Carolina?
- Market USA Federal Credit Union: 3.49% (New Auto)
- Tru Federal Credit Union: 3.50% (New Vehicle Loan)
- Columbia Post Office Credit Union: 3.50% (New Cars 2024-2027 Loan)
- Navy Federal Credit Union: 3.89% (New Auto Loan)
- South Carolina State Federal Credit Union: 3.95% (Vehicle Loans)
Forest Acres, South Carolina Rates & Resources
