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Auto Loan Rates in Gaffney, South Carolina (SC) for May 2026

Content reviewed by
Brian McKay Brian McKay
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Gaffney, South Carolina. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 12, 2026

Current auto loan rates in Gaffney, South Carolina include Carolina Foothills Federal Credit UnionCarolina Foothills Federal Credit Union760 Hyatt St, Gaffney, SC, 29341A5.0 ★Texas Ratio: 8.30% offering New Autos at 4.24%, Market USA Federal Credit UnionMarket USA Federal Credit UnionA5.0 ★Texas Ratio: 6.88% offering New Auto at 3.49%, Greenwood Municipal Federal Credit UnionGreenwood Municipal Federal Credit UnionA+5.0 ★Texas Ratio: 1.76% offering New Vehicle Loan at 3.50%, Palmetto Citizens Federal Credit UnionPalmetto Citizens Federal Credit UnionA+5.0 ★Texas Ratio: 4.17% offering New & Used Automobile or Truck at 3.99%, Carolinas Telco Federal Credit UnionCarolinas Telco Federal Credit UnionA+5.0 ★Texas Ratio: 4.17% offering New Auto Loans at 3.99%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.

Gaffney has 1 local institution in our database, with auto loan rates as low as 4.24% APR from Carolina Foothills Federal Credit Union at 760 Hyatt St, Gaffney, SC, 29341. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Gaffney, South Carolina. Auto Loan Rates Last Updated and Verified: May 12, 2026

Compare Auto Loan Rates Today in Gaffney, South Carolina & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
New Autos
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
New Autos
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
New Autos
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
New Autos
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
New Autos
5.24%
73 Months
View
▼
APR5.24%
Term73 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
Used Autos
5.24%
36 Months
View
▼
APR5.24%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
Used Autos
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
Used Autos
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
Used Autos
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
High Mileage Used Autos
6.24%
36 Months
View
▼
APR6.24%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
Used Autos
6.24%
73 Months
View
▼
APR6.24%
Term73 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
High Mileage Used Autos
6.49%
48 Months
View
▼
APR6.49%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
High Mileage Used Autos
6.74%
60 Months
View
▼
APR6.74%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
High Mileage Used Autos
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
High Mileage Used Autos
7.24%
73 Months
View
▼
APR7.24%
Term73 Months
Last UpdatedMay 7, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Greenwood Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
New Vehicle Loan
3.50%
120 Months
View
▼
APR3.50%
Term120 Months
Last UpdatedMay 7, 2026
Details

Up to 120 months*

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedMay 6, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck (2023-New)
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedMay 6, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto Loans
3.99%
12-36
View
▼
APR3.99%
Term12-36
Last UpdatedMay 7, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Vehicles
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As; up to 48 months

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
4.00%
Up to 36 months
View
▼
APR4.00%
TermUp to 36 months
Last UpdatedMay 12, 2026
Details

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
New Autos
4.19%
Up to 36 months
View
▼
APR4.19%
TermUp to 36 months
Last UpdatedMay 7, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto Loans
4.24%
48 Months
View
▼
APR4.24%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.25%
Up to 36
View
▼
APR4.25%
TermUp to 36
Last UpdatedMay 7, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.25%
Up to 36
View
▼
APR4.25%
TermUp to 36
Last UpdatedMay 7, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Edisto Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
Used Auto Loans
4.50%
More than 60
View
▼
APR4.50%
TermMore than 60
Last UpdatedMay 6, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.50%
37 - 48
View
▼
APR4.50%
Term37 - 48
Last UpdatedMay 7, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.50%
37 - 48 Months
View
▼
APR4.50%
Term37 - 48 Months
Last UpdatedMay 7, 2026
Details

As Low As

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
New Autos
4.69%
37 - 60 months
View
▼
APR4.69%
Term37 - 60 months
Last UpdatedMay 7, 2026
Details

As Low As

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
Used Autos
4.69%
Up to 36 months
View
▼
APR4.69%
TermUp to 36 months
Last UpdatedMay 7, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto Loans
4.74%
12-36
View
▼
APR4.74%
Term12-36
Last UpdatedMay 7, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
4.75%
Up to 36 months
View
▼
APR4.75%
TermUp to 36 months
Last UpdatedMay 12, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.95%
49 - 60
View
▼
APR4.95%
Term49 - 60
Last UpdatedMay 7, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.95%
49 - 60 Months
View
▼
APR4.95%
Term49 - 60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 2026
Details

As Low As

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
New Autos
4.99%
61 - 72 months
View
▼
APR4.99%
Term61 - 72 months
Last UpdatedMay 7, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto Loans
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Vehicles
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As; up to 60 months

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles 2019-2025
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 2026
Details

up to 48 months

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
Used Autos
5.19%
37 - 60 months
View
▼
APR5.19%
Term37 - 60 months
Last UpdatedMay 7, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Used Automobiles
5.24%
66 Months
View
▼
APR5.24%
Term66 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto Loans
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Vehicles
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As; up to 72 months

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedMay 12, 2026
Details

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
Used Autos
5.29%
61 - 72 months
View
▼
APR5.29%
Term61 - 72 months
Last UpdatedMay 7, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedMay 7, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Vehicles
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As; up to 84 months

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck
5.50%
37-48 months
View
▼
APR5.50%
Term37-48 months
Last UpdatedMay 6, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck (2023-New)
5.50%
37-48 months
View
▼
APR5.50%
Term37-48 months
Last UpdatedMay 6, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.50%
61-75 months
View
▼
APR5.50%
Term61-75 months
Last UpdatedMay 12, 2026
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck
5.55%
49-60 months
View
▼
APR5.55%
Term49-60 months
Last UpdatedMay 6, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck (2023-New)
5.55%
49-60 months
View
▼
APR5.55%
Term49-60 months
Last UpdatedMay 6, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck
5.60%
61-72 months
View
▼
APR5.60%
Term61-72 months
Last UpdatedMay 6, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck (2023-New)
5.60%
61-72 months
View
▼
APR5.60%
Term61-72 months
Last UpdatedMay 6, 2026
Details

As Low As

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
New Autos
5.69%
73-84 months
View
▼
APR5.69%
Term73-84 months
Last UpdatedMay 7, 2026
Details

As Low As

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
5.70%
24 Months
View
▼
APR5.70%
Term24 Months
Last UpdatedMay 7, 2026
Details

As Low As; 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.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Vehicle Loan
5.70%
24 Months
View
▼
APR5.70%
Term24 Months
Last UpdatedMay 7, 2026
Details

As Low As; 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.

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto Loans
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles 2019-2025
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedMay 7, 2026
Details

up to 60 months

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
5.75%
61 - 72
View
▼
APR5.75%
Term61 - 72
Last UpdatedMay 7, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
5.75%
61 - 72 Months
View
▼
APR5.75%
Term61 - 72 Months
Last UpdatedMay 7, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
5.75%
37-48 months
View
▼
APR5.75%
Term37-48 months
Last UpdatedMay 12, 2026
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
5.95%
48 Months
View
▼
APR5.95%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As; 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.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Vehicle Loan
5.95%
48 Months
View
▼
APR5.95%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As; 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.

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto Loans
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles Older-2018
6.00%
48 Months
View
▼
APR6.00%
Term48 Months
Last UpdatedMay 7, 2026
Details

up to 48 months

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
6.00%
61-75 months
View
▼
APR6.00%
Term61-75 months
Last UpdatedMay 12, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Used Automobiles
6.04%
75 Months
View
▼
APR6.04%
Term75 Months
Last UpdatedMay 7, 2026
Details

As Low As

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
6.20%
60 Months
View
▼
APR6.20%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As; 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.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Vehicle Loan
6.20%
60 Months
View
▼
APR6.20%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As; 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.

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles 2019-2025
6.24%
72 Months
View
▼
APR6.24%
Term72 Months
Last UpdatedMay 7, 2026
Details

up to 72 months

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Car
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 4, 2026
Details

up to 84 months

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
6.25%
73 - 84
View
▼
APR6.25%
Term73 - 84
Last UpdatedMay 7, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
6.25%
73 - 84 Months
View
▼
APR6.25%
Term73 - 84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles Older-2018
6.25%
60 Months
View
▼
APR6.25%
Term60 Months
Last UpdatedMay 7, 2026
Details

up to 60 months

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
6.25%
76-84 months
View
▼
APR6.25%
Term76-84 months
Last UpdatedMay 12, 2026
Details

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
Used Autos
6.29%
73-84 months
View
▼
APR6.29%
Term73-84 months
Last UpdatedMay 7, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Automobile or Truck
6.44%
up to 48 Months
View
▼
APR6.44%
Termup to 48 Months
Last UpdatedMay 6, 2026
Details

As Low As; (4-5 years old)

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
6.49%
96 Months
View
▼
APR6.49%
Term96 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto Loans
6.49%
72 Months
View
▼
APR6.49%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Edisto Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
Used Auto Loans
6.50%
60 mos. or less
View
▼
APR6.50%
Term60 mos. or less
Last UpdatedMay 6, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
6.50%
48 Months
View
▼
APR6.50%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
6.50%
76-84 months (2023 or Newer)
View
▼
APR6.50%
Term76-84 months (2023 or Newer)
Last UpdatedMay 12, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto Loans
6.74%
84 Months
View
▼
APR6.74%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles Older-2018
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedMay 7, 2026
Details

up to 72 months

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Used Automobiles
6.84%
84 Months
View
▼
APR6.84%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
6.95%
60 Months
View
▼
APR6.95%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
6.95%
72 Months
View
▼
APR6.95%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As; 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.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Vehicle Loan
6.95%
72 Months
View
▼
APR6.95%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As; 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.

SPC Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
Used Autos (> 100K miles)
6.99%
48 Months
View
▼
APR6.99%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car - less than 100,000 Miles
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedMay 4, 2026
Details

up to 84 months

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles 2019-2025
7.24%
84 Months
View
▼
APR7.24%
Term84 Months
Last UpdatedMay 7, 2026
Details

up to 84 months

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck
7.29%
73-84 months
View
▼
APR7.29%
Term73-84 months
Last UpdatedMay 6, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck (2023-New)
7.29%
73-84 months
View
▼
APR7.29%
Term73-84 months
Last UpdatedMay 6, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles Older-2018
7.50%
84 Months
View
▼
APR7.50%
Term84 Months
Last UpdatedMay 7, 2026
Details

up to 84 months

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Automobile or Truck
7.75%
up to 48 Months
View
▼
APR7.75%
Termup to 48 Months
Last UpdatedMay 6, 2026
Details

As Low As; (6 years & older) (under $15,000)

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
7.75%
72 Months
View
▼
APR7.75%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
7.95%
84 Months
View
▼
APR7.95%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As; 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.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Vehicle Loan
7.95%
84 Months
View
▼
APR7.95%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As; 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.

SPC Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
Used Autos (> 100K miles)
7.99%
60 Months
View
▼
APR7.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
8.25%
84 Months
View
▼
APR8.25%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Extended Age and Mileage Used Auto Loans
8.65%
12-48
View
▼
APR8.65%
Term12-48
Last UpdatedMay 7, 2026
Details

As Low As

Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Vehicles with more than 130,000 miles
8.95%
Up to 48 Months
View
▼
APR8.95%
TermUp to 48 Months
Last UpdatedMay 6, 2026
Details

As Low As

Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Vehicles with more than 130,000 miles (Up to 48 Months Financing)
8.95%
48 Months
View
▼
APR8.95%
Term48 Months
Last UpdatedMay 6, 2026
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car - greater than 100,000 Miles
9.00%
72 Months
View
▼
APR9.00%
Term72 Months
Last UpdatedMay 4, 2026
Details

up to 72 months

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Extended Age and Mileage Used Auto Loans
9.15%
60 Months
View
▼
APR9.15%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck
9.29%
85-96 months
View
▼
APR9.29%
Term85-96 months
Last UpdatedMay 6, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck (2023-New)
9.29%
85-96 months
View
▼
APR9.29%
Term85-96 months
Last UpdatedMay 6, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
New Autos
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
New Autos
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
New Autos
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
New Autos
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
New Autos
5.24%
73 Months
View
▼
APR5.24%
Term73 Months
Last UpdatedMay 7, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Greenwood Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
New Vehicle Loan
3.50%
120 Months
View
▼
APR3.50%
Term120 Months
Last UpdatedMay 7, 2026
Details

Up to 120 months*

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedMay 6, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck (2023-New)
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedMay 6, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto Loans
3.99%
12-36
View
▼
APR3.99%
Term12-36
Last UpdatedMay 7, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Vehicles
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As; up to 48 months

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
4.00%
Up to 36 months
View
▼
APR4.00%
TermUp to 36 months
Last UpdatedMay 12, 2026
Details

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
New Autos
4.19%
Up to 36 months
View
▼
APR4.19%
TermUp to 36 months
Last UpdatedMay 7, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto Loans
4.24%
48 Months
View
▼
APR4.24%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.25%
Up to 36
View
▼
APR4.25%
TermUp to 36
Last UpdatedMay 7, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.50%
37 - 48
View
▼
APR4.50%
Term37 - 48
Last UpdatedMay 7, 2026
Details

As Low As

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
New Autos
4.69%
37 - 60 months
View
▼
APR4.69%
Term37 - 60 months
Last UpdatedMay 7, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.95%
49 - 60
View
▼
APR4.95%
Term49 - 60
Last UpdatedMay 7, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 2026
Details

As Low As

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
New Autos
4.99%
61 - 72 months
View
▼
APR4.99%
Term61 - 72 months
Last UpdatedMay 7, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Vehicles
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As; up to 60 months

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto Loans
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Vehicles
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As; up to 72 months

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedMay 12, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedMay 7, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Vehicles
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As; up to 84 months

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck
5.50%
37-48 months
View
▼
APR5.50%
Term37-48 months
Last UpdatedMay 6, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck (2023-New)
5.50%
37-48 months
View
▼
APR5.50%
Term37-48 months
Last UpdatedMay 6, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.50%
61-75 months
View
▼
APR5.50%
Term61-75 months
Last UpdatedMay 12, 2026
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck
5.55%
49-60 months
View
▼
APR5.55%
Term49-60 months
Last UpdatedMay 6, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck (2023-New)
5.55%
49-60 months
View
▼
APR5.55%
Term49-60 months
Last UpdatedMay 6, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck
5.60%
61-72 months
View
▼
APR5.60%
Term61-72 months
Last UpdatedMay 6, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck (2023-New)
5.60%
61-72 months
View
▼
APR5.60%
Term61-72 months
Last UpdatedMay 6, 2026
Details

As Low As

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
New Autos
5.69%
73-84 months
View
▼
APR5.69%
Term73-84 months
Last UpdatedMay 7, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
New Auto
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto Loans
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
5.75%
61 - 72
View
▼
APR5.75%
Term61 - 72
Last UpdatedMay 7, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Car
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 4, 2026
Details

up to 84 months

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
6.25%
73 - 84
View
▼
APR6.25%
Term73 - 84
Last UpdatedMay 7, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
6.25%
76-84 months
View
▼
APR6.25%
Term76-84 months
Last UpdatedMay 12, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
6.49%
96 Months
View
▼
APR6.49%
Term96 Months
Last UpdatedMay 7, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
6.50%
48 Months
View
▼
APR6.50%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto Loans
6.74%
84 Months
View
▼
APR6.74%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
6.95%
60 Months
View
▼
APR6.95%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck
7.29%
73-84 months
View
▼
APR7.29%
Term73-84 months
Last UpdatedMay 6, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck (2023-New)
7.29%
73-84 months
View
▼
APR7.29%
Term73-84 months
Last UpdatedMay 6, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
7.75%
72 Months
View
▼
APR7.75%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
8.25%
84 Months
View
▼
APR8.25%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck
9.29%
85-96 months
View
▼
APR9.29%
Term85-96 months
Last UpdatedMay 6, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck (2023-New)
9.29%
85-96 months
View
▼
APR9.29%
Term85-96 months
Last UpdatedMay 6, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
Used Autos
5.24%
36 Months
View
▼
APR5.24%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
Used Autos
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
Used Autos
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
Used Autos
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
High Mileage Used Autos
6.24%
36 Months
View
▼
APR6.24%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
Used Autos
6.24%
73 Months
View
▼
APR6.24%
Term73 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
High Mileage Used Autos
6.49%
48 Months
View
▼
APR6.49%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
High Mileage Used Autos
6.74%
60 Months
View
▼
APR6.74%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
High Mileage Used Autos
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
High Mileage Used Autos
7.24%
73 Months
View
▼
APR7.24%
Term73 Months
Last UpdatedMay 7, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedMay 6, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck (2023-New)
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedMay 6, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.25%
Up to 36
View
▼
APR4.25%
TermUp to 36
Last UpdatedMay 7, 2026
Details

As Low As

Edisto Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
Used Auto Loans
4.50%
More than 60
View
▼
APR4.50%
TermMore than 60
Last UpdatedMay 6, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.50%
37 - 48 Months
View
▼
APR4.50%
Term37 - 48 Months
Last UpdatedMay 7, 2026
Details

As Low As

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
Used Autos
4.69%
Up to 36 months
View
▼
APR4.69%
TermUp to 36 months
Last UpdatedMay 7, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto Loans
4.74%
12-36
View
▼
APR4.74%
Term12-36
Last UpdatedMay 7, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
4.75%
Up to 36 months
View
▼
APR4.75%
TermUp to 36 months
Last UpdatedMay 12, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.95%
49 - 60 Months
View
▼
APR4.95%
Term49 - 60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto Loans
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles 2019-2025
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 2026
Details

up to 48 months

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
Used Autos
5.19%
37 - 60 months
View
▼
APR5.19%
Term37 - 60 months
Last UpdatedMay 7, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Used Automobiles
5.24%
66 Months
View
▼
APR5.24%
Term66 Months
Last UpdatedMay 7, 2026
Details

As Low As

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
Used Autos
5.29%
61 - 72 months
View
▼
APR5.29%
Term61 - 72 months
Last UpdatedMay 7, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck
5.50%
37-48 months
View
▼
APR5.50%
Term37-48 months
Last UpdatedMay 6, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck (2023-New)
5.50%
37-48 months
View
▼
APR5.50%
Term37-48 months
Last UpdatedMay 6, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck
5.55%
49-60 months
View
▼
APR5.55%
Term49-60 months
Last UpdatedMay 6, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck (2023-New)
5.55%
49-60 months
View
▼
APR5.55%
Term49-60 months
Last UpdatedMay 6, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck
5.60%
61-72 months
View
▼
APR5.60%
Term61-72 months
Last UpdatedMay 6, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck (2023-New)
5.60%
61-72 months
View
▼
APR5.60%
Term61-72 months
Last UpdatedMay 6, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Used Auto
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles 2019-2025
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedMay 7, 2026
Details

up to 60 months

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
5.75%
61 - 72 Months
View
▼
APR5.75%
Term61 - 72 Months
Last UpdatedMay 7, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
5.75%
37-48 months
View
▼
APR5.75%
Term37-48 months
Last UpdatedMay 12, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto Loans
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles Older-2018
6.00%
48 Months
View
▼
APR6.00%
Term48 Months
Last UpdatedMay 7, 2026
Details

up to 48 months

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
6.00%
61-75 months
View
▼
APR6.00%
Term61-75 months
Last UpdatedMay 12, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Used Automobiles
6.04%
75 Months
View
▼
APR6.04%
Term75 Months
Last UpdatedMay 7, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles 2019-2025
6.24%
72 Months
View
▼
APR6.24%
Term72 Months
Last UpdatedMay 7, 2026
Details

up to 72 months

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
6.25%
73 - 84 Months
View
▼
APR6.25%
Term73 - 84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles Older-2018
6.25%
60 Months
View
▼
APR6.25%
Term60 Months
Last UpdatedMay 7, 2026
Details

up to 60 months

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
Used Autos
6.29%
73-84 months
View
▼
APR6.29%
Term73-84 months
Last UpdatedMay 7, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Automobile or Truck
6.44%
up to 48 Months
View
▼
APR6.44%
Termup to 48 Months
Last UpdatedMay 6, 2026
Details

As Low As; (4-5 years old)

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto Loans
6.49%
72 Months
View
▼
APR6.49%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Edisto Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
Used Auto Loans
6.50%
60 mos. or less
View
▼
APR6.50%
Term60 mos. or less
Last UpdatedMay 6, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
6.50%
76-84 months (2023 or Newer)
View
▼
APR6.50%
Term76-84 months (2023 or Newer)
Last UpdatedMay 12, 2026
Details

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles Older-2018
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedMay 7, 2026
Details

up to 72 months

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Used Automobiles
6.84%
84 Months
View
▼
APR6.84%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

SPC Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
Used Autos (> 100K miles)
6.99%
48 Months
View
▼
APR6.99%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car - less than 100,000 Miles
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedMay 4, 2026
Details

up to 84 months

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles 2019-2025
7.24%
84 Months
View
▼
APR7.24%
Term84 Months
Last UpdatedMay 7, 2026
Details

up to 84 months

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck
7.29%
73-84 months
View
▼
APR7.29%
Term73-84 months
Last UpdatedMay 6, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck (2023-New)
7.29%
73-84 months
View
▼
APR7.29%
Term73-84 months
Last UpdatedMay 6, 2026
Details

As Low As

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles Older-2018
7.50%
84 Months
View
▼
APR7.50%
Term84 Months
Last UpdatedMay 7, 2026
Details

up to 84 months

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Automobile or Truck
7.75%
up to 48 Months
View
▼
APR7.75%
Termup to 48 Months
Last UpdatedMay 6, 2026
Details

As Low As; (6 years & older) (under $15,000)

SPC Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
Used Autos (> 100K miles)
7.99%
60 Months
View
▼
APR7.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Extended Age and Mileage Used Auto Loans
8.65%
12-48
View
▼
APR8.65%
Term12-48
Last UpdatedMay 7, 2026
Details

As Low As

Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Vehicles with more than 130,000 miles
8.95%
Up to 48 Months
View
▼
APR8.95%
TermUp to 48 Months
Last UpdatedMay 6, 2026
Details

As Low As

Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Vehicles with more than 130,000 miles (Up to 48 Months Financing)
8.95%
48 Months
View
▼
APR8.95%
Term48 Months
Last UpdatedMay 6, 2026
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car - greater than 100,000 Miles
9.00%
72 Months
View
▼
APR9.00%
Term72 Months
Last UpdatedMay 4, 2026
Details

up to 72 months

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Extended Age and Mileage Used Auto Loans
9.15%
60 Months
View
▼
APR9.15%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck
9.29%
85-96 months
View
▼
APR9.29%
Term85-96 months
Last UpdatedMay 6, 2026
Details

As Low As; (2023-New)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New & Used Automobile or Truck (2023-New)
9.29%
85-96 months
View
▼
APR9.29%
Term85-96 months
Last UpdatedMay 6, 2026
Details

As Low As

Gaffney, SC Auto Loan Rate Trends

Compare local Gaffney, 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.

View Full South Carolina Auto Trends →
New Auto Loan — SC Avg
4.881%
▲ 0.032 vs 7 days ago

South Carolina new auto rates rose 0.032 points over the past 7 days to 4.881% APR.

Used Auto Loan — SC Avg
6.553%
▲ 0.749 vs 7 days ago

South Carolina used auto rates rose 0.749 points over the past 7 days to 6.553% APR.

As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Gaffney, South Carolina

How does my credit score affect my car loan rate in South Carolina?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Gaffney, South Carolina with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.

Is it better to finance through a dealership or a bank?

It is highly recommended to get pre-approved through a local bank or credit union in South Carolina *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.

What is the difference between New and Used Auto Loan rates?

Lenders in Gaffney, South Carolina typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

What are the best Auto Loan rates in Gaffney, South Carolina?

Based on our current data, some of the lowest auto loan rates available in Gaffney, South Carolina include:
  • Carolina Foothills Federal Credit Union: 4.24% (New Autos)
  • Market USA Federal Credit Union: 3.49% (New Auto)
  • Greenwood Municipal Federal Credit Union: 3.50% (New Vehicle Loan)
  • Palmetto Citizens Federal Credit Union: 3.99% (New & Used Automobile or Truck)
  • Carolinas Telco Federal Credit Union: 3.99% (New Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Gaffney, South Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026

Gaffney, South Carolina Rates & Resources

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