Irmo, South Carolina Best Auto Loan Rates - September 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Irmo, South Carolina. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Irmo, South Carolina include South Carolina State Federal Credit UnionSouth Carolina State Federal Credit Union7438 Broad River Rd, Irmo, SC, 29063A+5.0 ★Texas Ratio: 2.90% offering Vehicle Loans at 3.95%, Palmetto Citizens Federal Credit UnionPalmetto Citizens Federal Credit Union7816 Broad River Rd, Irmo, SC, 29063A+5.0 ★Texas Ratio: 4.16% offering New & Used Automobile or Truck (2023-New) at 3.99%, SAFE Federal Credit UnionSAFE Federal Credit Union10600 Broad River Rd, Irmo, SC, 29063A+5.0 ★Texas Ratio: 3.72% offering 2024 and Newer Auto Loan at 4.49%, AllSouth Federal Credit UnionAllSouth Federal Credit Union7454 Woodrow St, Irmo, SC, 29063A+5.0 ★Texas Ratio: 0.83% offering New or Used Auto Loans at 4.74%, Market USA Federal Credit UnionMarket USA Federal Credit UnionA+5.0 ★Texas Ratio: 4.77% offering New Auto Loan at 3.49%. Auto loan rates as of September 10, 2026 according to verified data from MonitorBankRates.
Irmo has 4 local institutions in our database, with auto loan rates as low as 3.95% APR from South Carolina State Federal Credit Union at 7438 Broad River Rd, Irmo, SC, 29063. 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 Irmo, South Carolina. Auto Loan Rates Last Updated and Verified: September 10, 2026
Compare Auto Loan Rates Today in Irmo, South Carolina & Surrounding Area
Irmo Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
7438 Broad River Rd, Irmo, SC, 29063
Vehicle Loans
3.95%
72 months
▼
APR3.95%
Term72 months
Last UpdatedAug 31, 2026
Details
Max term of 96 months
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
New & Used Automobile or Truck (2023-New)
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 31, 2026
Details
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
10600 Broad River Rd, Irmo, SC, 29063
2024 and Newer Auto Loan
4.49%
12-36 months
▼
APR4.49%
Term12-36 months
Last UpdatedSep 5, 2026
Details
As Low As; Auto Loan
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
7454 Woodrow St, Irmo, SC, 29063
New or Used Auto Loans
4.74%
Up to 63 months
▼
APR4.74%
TermUp to 63 months
Last UpdatedSep 4, 2026
Details
As Low As
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
7454 Woodrow St, Irmo, SC, 29063
New or Used Auto Loans
4.84%
64 - 75 months
▼
APR4.84%
Term64 - 75 months
Last UpdatedSep 4, 2026
Details
As Low As
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
7454 Woodrow St, Irmo, SC, 29063
New or Used Auto Loans
5.14%
76 - 84 months
▼
APR5.14%
Term76 - 84 months
Last UpdatedSep 4, 2026
Details
As Low As
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
10600 Broad River Rd, Irmo, SC, 29063
2024 and Newer Auto Loan
5.24%
37-60 months
▼
APR5.24%
Term37-60 months
Last UpdatedSep 5, 2026
Details
As Low As; Auto Loan
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
New & Used Automobile or Truck (2023-New)
5.50%
37-48 months
▼
APR5.50%
Term37-48 months
Last UpdatedAug 31, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
New & Used Automobile or Truck (2023-New)
5.55%
49-60 months
▼
APR5.55%
Term49-60 months
Last UpdatedAug 31, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
New & Used Automobile or Truck (2023-New)
5.60%
61-72 months
▼
APR5.60%
Term61-72 months
Last UpdatedAug 31, 2026
Details
($15,000+)
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
10600 Broad River Rd, Irmo, SC, 29063
2024 and Newer Auto Loan
5.74%
61-75 months
▼
APR5.74%
Term61-75 months
Last UpdatedSep 5, 2026
Details
As Low As; Auto Loan
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
10600 Broad River Rd, Irmo, SC, 29063
2024 and Newer Auto Loan
5.99%
76-84 months
▼
APR5.99%
Term76-84 months
Last UpdatedSep 5, 2026
Details
As Low As; Auto Loan
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
Used Automobile or Truck
6.44%
up to 48 Months
▼
APR6.44%
Termup to 48 Months
Last UpdatedAug 31, 2026
Details
As Low As; (4-5 years old)
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
Used Automobile or Truck (4-5 years old)
6.44%
up to 48 Months
▼
APR6.44%
Termup to 48 Months
Last UpdatedAug 31, 2026
Details
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
10600 Broad River Rd, Irmo, SC, 29063
2021-2023 Auto Loan
6.49%
60 months
▼
APR6.49%
Term60 months
Last UpdatedSep 5, 2026
Details
As Low As; Auto Loan
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
10600 Broad River Rd, Irmo, SC, 29063
2018-2020 Auto Loan
6.74%
60 months
▼
APR6.74%
Term60 months
Last UpdatedSep 5, 2026
Details
As Low As; Auto Loan
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
10600 Broad River Rd, Irmo, SC, 29063
2021-2023 Auto Loan
6.74%
61-75 months
▼
APR6.74%
Term61-75 months
Last UpdatedSep 5, 2026
Details
As Low As; Auto Loan
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
10600 Broad River Rd, Irmo, SC, 29063
2021-2023 Auto Loan
6.99%
76-84 months
▼
APR6.99%
Term76-84 months
Last UpdatedSep 5, 2026
Details
As Low As; Auto Loan
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
10600 Broad River Rd, Irmo, SC, 29063
Vehicle Loan (2021-2023)
7.00%
72 months
▼
APR7.00%
Term72 months
Last UpdatedSep 5, 2026
Details
As Low As
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
New & Used Automobile or Truck (2023-New)
7.29%
73-84 months
▼
APR7.29%
Term73-84 months
Last UpdatedAug 31, 2026
Details
($25,000+)
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
10600 Broad River Rd, Irmo, SC, 29063
Vehicle Loan (2015 & Older)
7.50%
48 months
▼
APR7.50%
Term48 months
Last UpdatedSep 5, 2026
Details
As Low As
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
10600 Broad River Rd, Irmo, SC, 29063
Vehicle Loan (2016-2020)
7.50%
60 months
▼
APR7.50%
Term60 months
Last UpdatedSep 5, 2026
Details
As Low As
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
10600 Broad River Rd, Irmo, SC, 29063
2016-2017 Auto Loan
7.74%
54 months
▼
APR7.74%
Term54 months
Last UpdatedSep 5, 2026
Details
As Low As; Auto Loan
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
Used Automobile or Truck
7.75%
up to 48 Months
▼
APR7.75%
Termup to 48 Months
Last UpdatedAug 31, 2026
Details
As low as*; (under $15,000)
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
Used Automobile or Truck (6 years & older)
7.75%
up to 48 Months
▼
APR7.75%
Termup to 48 Months
Last UpdatedAug 31, 2026
Details
(under $15,000)
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
10600 Broad River Rd, Irmo, SC, 29063
Vehicle Loan (2015 & Older)
8.00%
60 months
▼
APR8.00%
Term60 months
Last UpdatedSep 5, 2026
Details
As Low As
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
New & Used Automobile or Truck (2023-New)
9.29%
85-96 months
▼
APR9.29%
Term85-96 months
Last UpdatedAug 31, 2026
Details
($40,000+)
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
10600 Broad River Rd, Irmo, SC, 29063
2015 and Older Auto Loan
9.49%
42 months
▼
APR9.49%
Term42 months
Last UpdatedSep 5, 2026
Details
As Low As; Auto Loan
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
New Auto Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedSep 5, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
Used Auto Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedSep 5, 2026
Details
As Low As
Greenwood Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
New Vehicle Loan
3.50%
Up to 120 months*
▼
APR3.50%
TermUp to 120 months*
Last UpdatedSep 4, 2026
Details
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
New Vehicle Loan
3.74%
36 months or less
▼
APR3.74%
Term36 months or less
Last UpdatedSep 4, 2026
Details
as low as *5
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New Auto Loan
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedAug 31, 2026
Details
As Low As; Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. 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%. All auto loan rates, including promotional rates and discounts are subject to a 4.89% minimum APR for new autos.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
New Auto
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedAug 31, 2026
Details
As Low As
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
2026-2022 Vehicles with less than 50,000 miles and below 125% LTV - 60 Month Financing
3.99%
60 Month
▼
APR3.99%
Term60 Month
Last UpdatedAug 31, 2026
Details
As Low As
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
2026-2022 Vehicles with less than 50,000 miles and below 125% LTV - Up to 48 Month Financing
3.99%
Up to 48 Month
▼
APR3.99%
TermUp to 48 Month
Last UpdatedAug 31, 2026
Details
As Low As
Secured Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New Auto Loans
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedSep 9, 2026
Details
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.
Secured Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
Vehicles Loan
3.99%
84 months
▼
APR3.99%
Term84 months
Last UpdatedSep 9, 2026
Details
Term: Up to 84 months, Depending on Age; As Low As
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
New Vehicle Loan
3.99%
48 months or less
▼
APR3.99%
Term48 months or less
Last UpdatedSep 4, 2026
Details
as low as *5
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Autos
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedSep 4, 2026
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
Auto Loans
3.99%
0 - 48 months
▼
APR3.99%
Term0 - 48 months
Last UpdatedAug 31, 2026
Details
AS LOW AS; Rates as of 08/01/2026
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New or Used Car/Truck/Van Loan
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedAug 31, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 730+ A+ Loan
4.00%
24 Mo.
▼
APR4.00%
Term24 Mo.
Last UpdatedSep 9, 2026
Details
APR4.00%
TermUp to 36 months
Last UpdatedSep 10, 2026
Details
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
New Auto
4.24%
37 to 48 Months
▼
APR4.24%
Term37 to 48 Months
Last UpdatedAug 31, 2026
Details
As Low As
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
New Autos
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedSep 4, 2026
Details
As low as
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 730+ A+ Loan
4.25%
48 Mo.
▼
APR4.25%
Term48 Mo.
Last UpdatedSep 9, 2026
Details
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
New Auto
4.49%
49 to 60 Months
▼
APR4.49%
Term49 to 60 Months
Last UpdatedAug 31, 2026
Details
As Low As
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
Used Auto (2024 & Older)
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedAug 31, 2026
Details
As Low As
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
2026-2022 Vehicles with less than 50,000 miles and below 125% LTV - 72 Month Financing
4.49%
72 Month
▼
APR4.49%
Term72 Month
Last UpdatedAug 31, 2026
Details
As Low As
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
New Autos
4.49%
37 - 48 Months
▼
APR4.49%
Term37 - 48 Months
Last UpdatedSep 4, 2026
Details
As low as
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedSep 4, 2026
Details
As low as
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New and Used Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedSep 4, 2026
Details
As Low As*
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Autos
4.49%
37 - 60 months
▼
APR4.49%
Term37 - 60 months
Last UpdatedSep 4, 2026
Details
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Autos
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedSep 4, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 680 - 729 A Loan
4.50%
24 Mo.
▼
APR4.50%
Term24 Mo.
Last UpdatedSep 9, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 730+ A+ Loan
4.50%
60 Mo.
▼
APR4.50%
Term60 Mo.
Last UpdatedSep 9, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New & Used Vehicles Loan
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedSep 4, 2026
Details
Annual Percentage Rate (APR) as low as
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New or Used Auto Loans
4.50%
24-84 months
▼
APR4.50%
Term24-84 months
Last UpdatedSep 4, 2026
Details
Rates As Low As; Annual Percentage Rate (APR) may vary depending on each individual's credit history and underwriting factors. All loans subject to credit union approval. All credit union loan promotional offers, programs, rates, terms and conditions are subject to change at any time and without notice. Offer may end at any time. Other restrictions may apply. Loan rates are based on applicant's creditworthiness and may vary from those shown above. Rates, terms and conditions are subject to change without notice. All loans subject to approval. Membership eligibility required.
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Autos
4.69%
61 - 72 months
▼
APR4.69%
Term61 - 72 months
Last UpdatedSep 4, 2026
Details
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Autos
4.69%
37 - 60 months
▼
APR4.69%
Term37 - 60 months
Last UpdatedSep 4, 2026
Details
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
Used Auto (2024 & Older)
4.74%
37 to 48 Months
▼
APR4.74%
Term37 to 48 Months
Last UpdatedAug 31, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
New Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedSep 5, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedSep 5, 2026
Details
As Low As
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
New Autos
4.74%
49 - 60 Months
▼
APR4.74%
Term49 - 60 Months
Last UpdatedSep 4, 2026
Details
As low as
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New and Used Auto Loans
4.74%
37 - 48 months
▼
APR4.74%
Term37 - 48 months
Last UpdatedSep 4, 2026
Details
As Low As*
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
New Vehicle (2024 or Newer) Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedSep 4, 2026
Details
As Low As; *
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 680 - 729 A Loan
4.75%
48 Mo.
▼
APR4.75%
Term48 Mo.
Last UpdatedSep 9, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
New Vehicles - 2026 and Newer model years Loan
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedSep 9, 2026
Details
As low as*
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2026 and 2025 model years Loan
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedSep 9, 2026
Details
As low as*
APR4.75%
TermUp to 36 months
Last UpdatedSep 10, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
New Vehicles - 2026 and Newer model years Loan
4.84%
61-72 months
▼
APR4.84%
Term61-72 months
Last UpdatedSep 9, 2026
Details
As low as*^
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2026 and 2025 model years Loan
4.84%
2025 Mo
▼
APR4.84%
Term2025 Mo
Last UpdatedSep 9, 2026
Details
As low as*
Empeople Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
72 Month New Auto Loans
4.84%
72 Month
▼
APR4.84%
Term72 Month
Last UpdatedSep 9, 2026
Details
Qualifications Required: Over $1,500 in direct deposit into a checking account within the last 30 days and 21 or more debit or credit transactions per month; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. Required: Over $1,500 in direct deposit into a checking account within the last 30 days and 21 or more debit or credit transactions per month. 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).
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Autos
4.89%
61 - 72 months
▼
APR4.89%
Term61 - 72 months
Last UpdatedSep 4, 2026
Details
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New cars, trucks and vans Loan
4.90%
Varies
▼
APR4.90%
TermVaries
Last UpdatedSep 5, 2026
Details
As low as; Rate Type: Fixed
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New Cars, Trucks, and Vans Loan
4.90%
Varies
▼
APR4.90%
TermVaries
Last UpdatedSep 5, 2026
Details
As low as; Fixed
South Carolina Methodist Conference Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
New Auto or Truck
4.95%
up to 60 months
▼
APR4.95%
Termup to 60 months
Last UpdatedAug 31, 2026
Details
As Low As; *
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
New Auto
4.99%
61 to 72 Months
▼
APR4.99%
Term61 to 72 Months
Last UpdatedAug 31, 2026
Details
As Low As
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
Used Auto (2024 & Older)
4.99%
49 to 60 Months
▼
APR4.99%
Term49 to 60 Months
Last UpdatedAug 31, 2026
Details
As Low As
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
2026-2022 Vehicles with less than 50,000 miles and below 125% LTV - 84 Month Financing
4.99%
84 Month
▼
APR4.99%
Term84 Month
Last UpdatedAug 31, 2026
Details
As Low As
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2024, 2023, and 2022 model years Loan
4.99%
Up to 48 months
▼
APR4.99%
TermUp to 48 months
Last UpdatedSep 9, 2026
Details
As low as*
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2026 and 2025 model years Loan
4.99%
2025 Mo
▼
APR4.99%
Term2025 Mo
Last UpdatedSep 9, 2026
Details
As low as*^
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
New Autos
4.99%
61 - 72 Months
▼
APR4.99%
Term61 - 72 Months
Last UpdatedSep 4, 2026
Details
As low as
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer)
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedSep 4, 2026
Details
As low as
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
New Vehicle Loan
4.99%
72 months or less
▼
APR4.99%
Term72 months or less
Last UpdatedSep 4, 2026
Details
as low as *5
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
Vehicle Loan
4.99%
48 months or less
▼
APR4.99%
Term48 months or less
Last UpdatedSep 4, 2026
Details
as low as *6
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New and Used Auto Loans
4.99%
49 - 60 months
▼
APR4.99%
Term49 - 60 months
Last UpdatedSep 4, 2026
Details
As Low As*
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Vehicles 2020-2026 Loan
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 4, 2026
Details
APR range: 4.99% - 18.00%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 730+ A+ Loan
5.00%
72 Mo.
▼
APR5.00%
Term72 Mo.
Last UpdatedSep 9, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New & Used Vehicles Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedSep 4, 2026
Details
Annual Percentage Rate (APR) as low as
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New Auto Loans
5.14%
36 - 63 Months
▼
APR5.14%
Term36 - 63 Months
Last UpdatedAug 31, 2026
Details
Model Year: 2025 - Newer
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
New Vehicles - 2026 and Newer model years Loan
5.20%
73-84 months
▼
APR5.20%
Term73-84 months
Last UpdatedSep 9, 2026
Details
As low as*^
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
Used Auto (2024 & Older)
5.24%
61 to 72 Months
▼
APR5.24%
Term61 to 72 Months
Last UpdatedAug 31, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
New Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedSep 5, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
Used Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedSep 5, 2026
Details
As Low As
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2021 and 2020 model years Loan
5.24%
Up to 48 months
▼
APR5.24%
TermUp to 48 months
Last UpdatedSep 9, 2026
Details
As low as*
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
New Autos
5.24%
Over 73 Months
▼
APR5.24%
TermOver 73 Months
Last UpdatedSep 4, 2026
Details
As low as
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
Used Autos
5.24%
Up to 36 Months
▼
APR5.24%
TermUp to 36 Months
Last UpdatedSep 4, 2026
Details
As low as
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
Vehicle Loan
5.24%
60 months or less
▼
APR5.24%
Term60 months or less
Last UpdatedSep 4, 2026
Details
as low as *6
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New and Used Auto Loans
5.24%
61 - 72 months
▼
APR5.24%
Term61 - 72 months
Last UpdatedSep 4, 2026
Details
As Low As*
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
New Vehicle (2024 or Newer) Loan
5.24%
61-72 Months
▼
APR5.24%
Term61-72 Months
Last UpdatedSep 4, 2026
Details
As Low As; *
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 680 - 729 A Loan
5.25%
72 Mo.
▼
APR5.25%
Term72 Mo.
Last UpdatedSep 9, 2026
Details
South Carolina Methodist Conference Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
Used Auto or Truck
5.25%
up to 60 months
▼
APR5.25%
Termup to 60 months
Last UpdatedAug 31, 2026
Details
As Low As
APR5.25%
Term60 months
Last UpdatedSep 10, 2026
Details
Payment Example: On a $30,000 loan at 5.25% APR for 60 months with no payment for 45 days, your monthly payment would be approximately $570.81.
APR5.25%
Term37-48 months
Last UpdatedSep 10, 2026
Details
APR5.25%
Term37-48 months
Last UpdatedSep 10, 2026
Details
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Used cars, trucks and vans Loan
5.35%
Varies
▼
APR5.35%
TermVaries
Last UpdatedSep 5, 2026
Details
As low as; Rate Type: Fixed
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedAug 31, 2026
Details
As Low As; 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%. All used auto loan rates including promotional rates and discounts are subject to a 5.39% APR minimum for 2019-2024 models, and 7.64% minimum for 2016-2018 models.
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Autos
5.39%
73-84 months
▼
APR5.39%
Term73-84 months
Last UpdatedSep 4, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2024, 2023, and 2022 model years Loan
5.44%
2022 Mo
▼
APR5.44%
Term2022 Mo
Last UpdatedSep 9, 2026
Details
As low as*
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2026 and 2025 model years Loan
5.44%
2025 Mo
▼
APR5.44%
Term2025 Mo
Last UpdatedSep 9, 2026
Details
As low as*^
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
2021-2016 Vehicles with 50,001 to 130,000 miles - Up to 72 Months Financing
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedAug 31, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
2021-2016 Vehicles with 50,001 to 130,000 miles Loan
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedAug 31, 2026
Details
As Low As; Financing
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
2026-2022 Vehicles with less than 50,000 miles < 125% LTV Loan
5.49%
Up to 72 Months Financing
▼
APR5.49%
TermUp to 72 Months Financing
Last UpdatedAug 31, 2026
Details
As Low As
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
Used Autos
5.49%
37 - 48 Months
▼
APR5.49%
Term37 - 48 Months
Last UpdatedSep 4, 2026
Details
As low as
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedSep 4, 2026
Details
As low as
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
New Vehicle Loan
5.49%
84 months or less
▼
APR5.49%
Term84 months or less
Last UpdatedSep 4, 2026
Details
as low as *5
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
5.50%
3 years
▼
APR5.50%
Term3 years
Last UpdatedSep 5, 2026
Details
APR* as low as 4.50%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 730+ A+ Loan
5.50%
84 Mo.
▼
APR5.50%
Term84 Mo.
Last UpdatedSep 9, 2026
Details
APR5.50%
Term61-75 months
Last UpdatedSep 10, 2026
Details
APR5.50%
Term61-75 months
Last UpdatedSep 10, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New Auto Loans
5.54%
64 - 75 Months
▼
APR5.54%
Term64 - 75 Months
Last UpdatedAug 31, 2026
Details
Model Year: 2025 - Newer
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto Loan
5.64%
36 - 63 Months
▼
APR5.64%
Term36 - 63 Months
Last UpdatedAug 31, 2026
Details
Model Year: 2019 - 2024
South Carolina Methodist Conference Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
New Auto or Truck
5.70%
72 months
▼
APR5.70%
Term72 months
Last UpdatedAug 31, 2026
Details
As Low As; *
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New Auto Loans
5.74%
76 - 84 Months
▼
APR5.74%
Term76 - 84 Months
Last UpdatedAug 31, 2026
Details
Model Year: 2025 - Newer
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
New Auto
5.74%
73 to 84 Months
▼
APR5.74%
Term73 to 84 Months
Last UpdatedAug 31, 2026
Details
As Low As; ($25,000)
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
Used Auto (2024 & Older)
5.74%
73 to 84 Months
▼
APR5.74%
Term73 to 84 Months
Last UpdatedAug 31, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
New Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedSep 5, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
Used Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedSep 5, 2026
Details
As Low As
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
Used Autos
5.74%
49 - 60 Months
▼
APR5.74%
Term49 - 60 Months
Last UpdatedSep 4, 2026
Details
As low as
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
Vehicle Loan
5.74%
72 months or less
▼
APR5.74%
Term72 months or less
Last UpdatedSep 4, 2026
Details
as low as *6
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Vehicles 2020-2026 Loan
5.74%
up to 60 months
▼
APR5.74%
Termup to 60 months
Last UpdatedSep 4, 2026
Details
APR range: 5.74% - 18.00%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
5.75%
5 years
▼
APR5.75%
Term5 years
Last UpdatedSep 5, 2026
Details
APR* as low as 4.75%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 680 - 729 A Loan
5.75%
84 Mo.
▼
APR5.75%
Term84 Mo.
Last UpdatedSep 9, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New & Used Vehicles Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedSep 4, 2026
Details
Annual Percentage Rate (APR) as low as
South Carolina Methodist Conference Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
Used Auto or Truck
5.75%
up to 60 months
▼
APR5.75%
Termup to 60 months
Last UpdatedAug 31, 2026
Details
As Low As; *
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto Loan
5.79%
64 - 75 Months
▼
APR5.79%
Term64 - 75 Months
Last UpdatedAug 31, 2026
Details
Model Year: 2019 - 2024
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2024, 2023, and 2022 model years Loan
5.94%
2022 Mo
▼
APR5.94%
Term2022 Mo
Last UpdatedSep 9, 2026
Details
As low as*^
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2021 and 2020 model years Loan
5.99%
2020 Mo
▼
APR5.99%
Term2020 Mo
Last UpdatedSep 9, 2026
Details
As low as*
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
Used Autos
5.99%
61 - 72 Months
▼
APR5.99%
Term61 - 72 Months
Last UpdatedSep 4, 2026
Details
As low as
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedSep 4, 2026
Details
As low as
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Autos
5.99%
73-84 months
▼
APR5.99%
Term73-84 months
Last UpdatedSep 4, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
6.00%
6 years
▼
APR6.00%
Term6 years
Last UpdatedSep 5, 2026
Details
APR* as low as 5.00%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 24-48 MO. (730+ Score) Loan
6.00%
48 Mo
▼
APR6.00%
Term48 Mo
Last UpdatedSep 9, 2026
Details
Grade of Paper: A+
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Vehicles Older-2019 Loan
6.00%
up to 48 months
▼
APR6.00%
Termup to 48 months
Last UpdatedSep 4, 2026
Details
APR range: 6.00% - 18.00%
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto Loan
6.24%
76 - 84 Months
▼
APR6.24%
Term76 - 84 Months
Last UpdatedAug 31, 2026
Details
Model Year: 2019 - 2024
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
High Mileage Used Autos
6.24%
Up to 36 Months
▼
APR6.24%
TermUp to 36 Months
Last UpdatedSep 4, 2026
Details
As low as
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
Used Autos
6.24%
Over 73 Months
▼
APR6.24%
TermOver 73 Months
Last UpdatedSep 4, 2026
Details
As low as
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New and Used Auto Loans
6.24%
73 - 84 months
▼
APR6.24%
Term73 - 84 months
Last UpdatedSep 4, 2026
Details
As Low As*
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Vehicles 2020-2026 Loan
6.24%
up to 72 months
▼
APR6.24%
Termup to 72 months
Last UpdatedSep 4, 2026
Details
APR range: 6.24% - 18.00%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
6.25%
7 years
▼
APR6.25%
Term7 years
Last UpdatedSep 5, 2026
Details
APR* as low as 5.25%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 640 - 679 B Loan
6.25%
24 Mo.
▼
APR6.25%
Term24 Mo.
Last UpdatedSep 9, 2026
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Vehicles Older-2019 Loan
6.25%
up to 60 months
▼
APR6.25%
Termup to 60 months
Last UpdatedSep 4, 2026
Details
APR range: 6.25% - 18.00%
APR6.25%
Term76-84 months
Last UpdatedSep 10, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2024, 2023, and 2022 model years Loan
6.44%
2022 Mo
▼
APR6.44%
Term2022 Mo
Last UpdatedSep 9, 2026
Details
As low as*^
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
High Mileage Used Autos
6.49%
37 - 48 Months
▼
APR6.49%
Term37 - 48 Months
Last UpdatedSep 4, 2026
Details
As low as
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer)
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedSep 4, 2026
Details
As low as
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
New Car Loan
6.50%
up to 84 months
▼
APR6.50%
Termup to 84 months
Last UpdatedAug 31, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 24-48 MO. (680 - 729 Score) Loan
6.50%
48 Mo
▼
APR6.50%
Term48 Mo
Last UpdatedSep 9, 2026
Details
Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 60 Mo. (730+ Score) Loan
6.50%
60 months
▼
APR6.50%
Term60 months
Last UpdatedSep 9, 2026
Details
Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 640 - 679 B Loan
6.50%
48 Mo.
▼
APR6.50%
Term48 Mo.
Last UpdatedSep 9, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Car Loan
6.50%
up to 84 months
▼
APR6.50%
Termup to 84 months
Last UpdatedSep 9, 2026
Details
APR6.50%
Term76 Months
Last UpdatedSep 10, 2026
Details
Term: 76-84 months (2023 or Newer)
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
High Mileage Used Autos
6.74%
49 - 60 Months
▼
APR6.74%
Term49 - 60 Months
Last UpdatedSep 4, 2026
Details
As low as
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
New Vehicle (2024 or Newer) Loan
6.74%
73-84 Months
▼
APR6.74%
Term73-84 Months
Last UpdatedSep 4, 2026
Details
As Low As; *
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 60 Mo. (680 - 729 Score) Loan
6.75%
60 months
▼
APR6.75%
Term60 months
Last UpdatedSep 9, 2026
Details
Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 640 - 679 B Loan
6.75%
60 Mo.
▼
APR6.75%
Term60 Mo.
Last UpdatedSep 9, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New & Used Vehicles Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedSep 4, 2026
Details
Annual Percentage Rate (APR) as low as
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Vehicles Older-2019 Loan
6.75%
up to 72 months
▼
APR6.75%
Termup to 72 months
Last UpdatedSep 4, 2026
Details
APR range: 6.75% - 18.00%
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New Auto Loans
6.99%
85 - 96 Months
▼
APR6.99%
Term85 - 96 Months
Last UpdatedAug 31, 2026
Details
Model Year: 2025 - Newer
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2019 and older model years Loan
6.99%
Up to 48 months
▼
APR6.99%
TermUp to 48 months
Last UpdatedSep 9, 2026
Details
As low as*
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
High Mileage Used Autos
6.99%
61 - 72 Months
▼
APR6.99%
Term61 - 72 Months
Last UpdatedSep 4, 2026
Details
As low as
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
Vehicle Loan
6.99%
84 months or less
▼
APR6.99%
Term84 months or less
Last UpdatedSep 4, 2026
Details
as low as *6
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 72 Mo. (730+ Score) Loan
7.00%
72 months
▼
APR7.00%
Term72 months
Last UpdatedSep 9, 2026
Details
Grade of Paper: A+
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
High Mileage Used Autos
7.24%
Over 73 Months
▼
APR7.24%
TermOver 73 Months
Last UpdatedSep 4, 2026
Details
As low as
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Vehicles 2020-2026 Loan
7.24%
up to 84 months
▼
APR7.24%
Termup to 84 months
Last UpdatedSep 4, 2026
Details
APR range: 7.24% - 18.00%
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
Used Car - less than 100,000 Miles Loan
7.25%
up to 84 months
▼
APR7.25%
Termup to 84 months
Last UpdatedAug 31, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 72 Mo. (680 - 729 Score) Loan
7.25%
72 months
▼
APR7.25%
Term72 months
Last UpdatedSep 9, 2026
Details
Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 640 - 679 B Loan
7.25%
72 Mo.
▼
APR7.25%
Term72 Mo.
Last UpdatedSep 9, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Used Car - greater than 100,000 Miles Loan
7.25%
up to 72 months
▼
APR7.25%
Termup to 72 months
Last UpdatedSep 9, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Used Car - less than 100,000 Miles Loan
7.25%
up to 84 months
▼
APR7.25%
Termup to 84 months
Last UpdatedSep 9, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Business Vehicle Loans
7.50%
2 Years
▼
APR7.50%
Term2 Years
Last UpdatedSep 5, 2026
Details
APR as low as: 6.500%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 84 Mo. (730+ Score) Loan
7.50%
84 months
▼
APR7.50%
Term84 months
Last UpdatedSep 9, 2026
Details
Grade of Paper: A+
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Vehicles Older-2019 Loan
7.50%
up to 84 months
▼
APR7.50%
Termup to 84 months
Last UpdatedSep 4, 2026
Details
APR range: 7.50% - 18.00%
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
Vehicle Loan
7.74%
Up to 36 Months
▼
APR7.74%
TermUp to 36 Months
Last UpdatedSep 4, 2026
Details
As low as
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Business Vehicle Loans
7.75%
4 Years
▼
APR7.75%
Term4 Years
Last UpdatedSep 5, 2026
Details
APR as low as: 6.750%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 84 Mo. (680 - 729 Score) Loan
7.75%
84 months
▼
APR7.75%
Term84 months
Last UpdatedSep 9, 2026
Details
Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 96-132 Mo. (730+ Score) Loan
7.75%
132 Mo
▼
APR7.75%
Term132 Mo
Last UpdatedSep 9, 2026
Details
Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 600 - 639 C Loan
7.75%
24 Mo.
▼
APR7.75%
Term24 Mo.
Last UpdatedSep 9, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 640 - 679 B Loan
7.75%
84 Mo.
▼
APR7.75%
Term84 Mo.
Last UpdatedSep 9, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto Loan
7.89%
36 - 63 Months
▼
APR7.89%
Term36 - 63 Months
Last UpdatedAug 31, 2026
Details
Model Year: 2016 - 2018
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
Vehicle Loan
7.99%
37 - 48 Months
▼
APR7.99%
Term37 - 48 Months
Last UpdatedSep 4, 2026
Details
As low as
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Business Vehicle Loans
8.00%
5 Years
▼
APR8.00%
Term5 Years
Last UpdatedSep 5, 2026
Details
APR as low as: 7.000%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 96-132 Mo. (680 - 729 Score) Loan
8.00%
132 Mo
▼
APR8.00%
Term132 Mo
Last UpdatedSep 9, 2026
Details
Grade of Paper: A
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New & Used Vehicles Loan
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedSep 4, 2026
Details
Annual Percentage Rate (APR) as low as
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
Vehicle Loan
8.24%
49 - 60 Months
▼
APR8.24%
Term49 - 60 Months
Last UpdatedSep 4, 2026
Details
As low as
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Business Vehicle Loans
8.25%
6 Years
▼
APR8.25%
Term6 Years
Last UpdatedSep 5, 2026
Details
APR as low as: 7.250%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 144-180 Mo. (730+ Score) Loan
8.25%
180 Mo
▼
APR8.25%
Term180 Mo
Last UpdatedSep 9, 2026
Details
Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 24-48 MO. (640 - 679 Score) Loan
8.25%
48 Mo
▼
APR8.25%
Term48 Mo
Last UpdatedSep 9, 2026
Details
Grade of Paper: B
Powered by
MonitorBankRates
Irmo New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
New & Used Automobile or Truck (2023-New)
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 31, 2026
Details
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
10600 Broad River Rd, Irmo, SC, 29063
2024 and Newer Auto Loan
4.49%
12-36 months
▼
APR4.49%
Term12-36 months
Last UpdatedSep 5, 2026
Details
As Low As; Auto Loan
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
7454 Woodrow St, Irmo, SC, 29063
New or Used Auto Loans
4.74%
Up to 63 months
▼
APR4.74%
TermUp to 63 months
Last UpdatedSep 4, 2026
Details
As Low As
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
7454 Woodrow St, Irmo, SC, 29063
New or Used Auto Loans
4.84%
64 - 75 months
▼
APR4.84%
Term64 - 75 months
Last UpdatedSep 4, 2026
Details
As Low As
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
7454 Woodrow St, Irmo, SC, 29063
New or Used Auto Loans
5.14%
76 - 84 months
▼
APR5.14%
Term76 - 84 months
Last UpdatedSep 4, 2026
Details
As Low As
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
10600 Broad River Rd, Irmo, SC, 29063
2024 and Newer Auto Loan
5.24%
37-60 months
▼
APR5.24%
Term37-60 months
Last UpdatedSep 5, 2026
Details
As Low As; Auto Loan
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
New & Used Automobile or Truck (2023-New)
5.50%
37-48 months
▼
APR5.50%
Term37-48 months
Last UpdatedAug 31, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
New & Used Automobile or Truck (2023-New)
5.55%
49-60 months
▼
APR5.55%
Term49-60 months
Last UpdatedAug 31, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
New & Used Automobile or Truck (2023-New)
5.60%
61-72 months
▼
APR5.60%
Term61-72 months
Last UpdatedAug 31, 2026
Details
($15,000+)
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
10600 Broad River Rd, Irmo, SC, 29063
2024 and Newer Auto Loan
5.74%
61-75 months
▼
APR5.74%
Term61-75 months
Last UpdatedSep 5, 2026
Details
As Low As; Auto Loan
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
10600 Broad River Rd, Irmo, SC, 29063
2024 and Newer Auto Loan
5.99%
76-84 months
▼
APR5.99%
Term76-84 months
Last UpdatedSep 5, 2026
Details
As Low As; Auto Loan
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
New & Used Automobile or Truck (2023-New)
7.29%
73-84 months
▼
APR7.29%
Term73-84 months
Last UpdatedAug 31, 2026
Details
($25,000+)
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
New & Used Automobile or Truck (2023-New)
9.29%
85-96 months
▼
APR9.29%
Term85-96 months
Last UpdatedAug 31, 2026
Details
($40,000+)
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
New Auto Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedSep 5, 2026
Details
As Low As
Greenwood Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
New Vehicle Loan
3.50%
Up to 120 months*
▼
APR3.50%
TermUp to 120 months*
Last UpdatedSep 4, 2026
Details
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
New Vehicle Loan
3.74%
36 months or less
▼
APR3.74%
Term36 months or less
Last UpdatedSep 4, 2026
Details
as low as *5
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New Auto Loan
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedAug 31, 2026
Details
As Low As; Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. 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%. All auto loan rates, including promotional rates and discounts are subject to a 4.89% minimum APR for new autos.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
New Auto
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedAug 31, 2026
Details
As Low As
Secured Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New Auto Loans
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedSep 9, 2026
Details
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.
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
New Vehicle Loan
3.99%
48 months or less
▼
APR3.99%
Term48 months or less
Last UpdatedSep 4, 2026
Details
as low as *5
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Autos
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedSep 4, 2026
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New or Used Car/Truck/Van Loan
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedAug 31, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 730+ A+ Loan
4.00%
24 Mo.
▼
APR4.00%
Term24 Mo.
Last UpdatedSep 9, 2026
Details
APR4.00%
TermUp to 36 months
Last UpdatedSep 10, 2026
Details
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
New Auto
4.24%
37 to 48 Months
▼
APR4.24%
Term37 to 48 Months
Last UpdatedAug 31, 2026
Details
As Low As
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
New Autos
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedSep 4, 2026
Details
As low as
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 730+ A+ Loan
4.25%
48 Mo.
▼
APR4.25%
Term48 Mo.
Last UpdatedSep 9, 2026
Details
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
New Auto
4.49%
49 to 60 Months
▼
APR4.49%
Term49 to 60 Months
Last UpdatedAug 31, 2026
Details
As Low As
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
New Autos
4.49%
37 - 48 Months
▼
APR4.49%
Term37 - 48 Months
Last UpdatedSep 4, 2026
Details
As low as
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedSep 4, 2026
Details
As low as
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New and Used Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedSep 4, 2026
Details
As Low As*
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Autos
4.49%
37 - 60 months
▼
APR4.49%
Term37 - 60 months
Last UpdatedSep 4, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 680 - 729 A Loan
4.50%
24 Mo.
▼
APR4.50%
Term24 Mo.
Last UpdatedSep 9, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 730+ A+ Loan
4.50%
60 Mo.
▼
APR4.50%
Term60 Mo.
Last UpdatedSep 9, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New & Used Vehicles Loan
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedSep 4, 2026
Details
Annual Percentage Rate (APR) as low as
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New or Used Auto Loans
4.50%
24-84 months
▼
APR4.50%
Term24-84 months
Last UpdatedSep 4, 2026
Details
Rates As Low As; Annual Percentage Rate (APR) may vary depending on each individual's credit history and underwriting factors. All loans subject to credit union approval. All credit union loan promotional offers, programs, rates, terms and conditions are subject to change at any time and without notice. Offer may end at any time. Other restrictions may apply. Loan rates are based on applicant's creditworthiness and may vary from those shown above. Rates, terms and conditions are subject to change without notice. All loans subject to approval. Membership eligibility required.
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Autos
4.69%
61 - 72 months
▼
APR4.69%
Term61 - 72 months
Last UpdatedSep 4, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
New Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedSep 5, 2026
Details
As Low As
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
New Autos
4.74%
49 - 60 Months
▼
APR4.74%
Term49 - 60 Months
Last UpdatedSep 4, 2026
Details
As low as
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New and Used Auto Loans
4.74%
37 - 48 months
▼
APR4.74%
Term37 - 48 months
Last UpdatedSep 4, 2026
Details
As Low As*
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
New Vehicle (2024 or Newer) Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedSep 4, 2026
Details
As Low As; *
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 680 - 729 A Loan
4.75%
48 Mo.
▼
APR4.75%
Term48 Mo.
Last UpdatedSep 9, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
New Vehicles - 2026 and Newer model years Loan
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedSep 9, 2026
Details
As low as*
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
New Vehicles - 2026 and Newer model years Loan
4.84%
61-72 months
▼
APR4.84%
Term61-72 months
Last UpdatedSep 9, 2026
Details
As low as*^
Empeople Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
72 Month New Auto Loans
4.84%
72 Month
▼
APR4.84%
Term72 Month
Last UpdatedSep 9, 2026
Details
Qualifications Required: Over $1,500 in direct deposit into a checking account within the last 30 days and 21 or more debit or credit transactions per month; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. Required: Over $1,500 in direct deposit into a checking account within the last 30 days and 21 or more debit or credit transactions per month. 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).
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New cars, trucks and vans Loan
4.90%
Varies
▼
APR4.90%
TermVaries
Last UpdatedSep 5, 2026
Details
As low as; Rate Type: Fixed
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New Cars, Trucks, and Vans Loan
4.90%
Varies
▼
APR4.90%
TermVaries
Last UpdatedSep 5, 2026
Details
As low as; Fixed
South Carolina Methodist Conference Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
New Auto or Truck
4.95%
up to 60 months
▼
APR4.95%
Termup to 60 months
Last UpdatedAug 31, 2026
Details
As Low As; *
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
New Auto
4.99%
61 to 72 Months
▼
APR4.99%
Term61 to 72 Months
Last UpdatedAug 31, 2026
Details
As Low As
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
New Autos
4.99%
61 - 72 Months
▼
APR4.99%
Term61 - 72 Months
Last UpdatedSep 4, 2026
Details
As low as
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer)
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedSep 4, 2026
Details
As low as
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
New Vehicle Loan
4.99%
72 months or less
▼
APR4.99%
Term72 months or less
Last UpdatedSep 4, 2026
Details
as low as *5
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New and Used Auto Loans
4.99%
49 - 60 months
▼
APR4.99%
Term49 - 60 months
Last UpdatedSep 4, 2026
Details
As Low As*
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 730+ A+ Loan
5.00%
72 Mo.
▼
APR5.00%
Term72 Mo.
Last UpdatedSep 9, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New & Used Vehicles Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedSep 4, 2026
Details
Annual Percentage Rate (APR) as low as
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New Auto Loans
5.14%
36 - 63 Months
▼
APR5.14%
Term36 - 63 Months
Last UpdatedAug 31, 2026
Details
Model Year: 2025 - Newer
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
New Vehicles - 2026 and Newer model years Loan
5.20%
73-84 months
▼
APR5.20%
Term73-84 months
Last UpdatedSep 9, 2026
Details
As low as*^
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
New Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedSep 5, 2026
Details
As Low As
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
New Autos
5.24%
Over 73 Months
▼
APR5.24%
TermOver 73 Months
Last UpdatedSep 4, 2026
Details
As low as
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New and Used Auto Loans
5.24%
61 - 72 months
▼
APR5.24%
Term61 - 72 months
Last UpdatedSep 4, 2026
Details
As Low As*
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
New Vehicle (2024 or Newer) Loan
5.24%
61-72 Months
▼
APR5.24%
Term61-72 Months
Last UpdatedSep 4, 2026
Details
As Low As; *
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 680 - 729 A Loan
5.25%
72 Mo.
▼
APR5.25%
Term72 Mo.
Last UpdatedSep 9, 2026
Details
APR5.25%
Term37-48 months
Last UpdatedSep 10, 2026
Details
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Autos
5.39%
73-84 months
▼
APR5.39%
Term73-84 months
Last UpdatedSep 4, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedSep 4, 2026
Details
As low as
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
New Vehicle Loan
5.49%
84 months or less
▼
APR5.49%
Term84 months or less
Last UpdatedSep 4, 2026
Details
as low as *5
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 730+ A+ Loan
5.50%
84 Mo.
▼
APR5.50%
Term84 Mo.
Last UpdatedSep 9, 2026
Details
APR5.50%
Term61-75 months
Last UpdatedSep 10, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New Auto Loans
5.54%
64 - 75 Months
▼
APR5.54%
Term64 - 75 Months
Last UpdatedAug 31, 2026
Details
Model Year: 2025 - Newer
South Carolina Methodist Conference Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
New Auto or Truck
5.70%
72 months
▼
APR5.70%
Term72 months
Last UpdatedAug 31, 2026
Details
As Low As; *
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New Auto Loans
5.74%
76 - 84 Months
▼
APR5.74%
Term76 - 84 Months
Last UpdatedAug 31, 2026
Details
Model Year: 2025 - Newer
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
New Auto
5.74%
73 to 84 Months
▼
APR5.74%
Term73 to 84 Months
Last UpdatedAug 31, 2026
Details
As Low As; ($25,000)
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
New Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedSep 5, 2026
Details
As Low As
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 680 - 729 A Loan
5.75%
84 Mo.
▼
APR5.75%
Term84 Mo.
Last UpdatedSep 9, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New & Used Vehicles Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedSep 4, 2026
Details
Annual Percentage Rate (APR) as low as
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedSep 4, 2026
Details
As low as
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 24-48 MO. (730+ Score) Loan
6.00%
48 Mo
▼
APR6.00%
Term48 Mo
Last UpdatedSep 9, 2026
Details
Grade of Paper: A+
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New and Used Auto Loans
6.24%
73 - 84 months
▼
APR6.24%
Term73 - 84 months
Last UpdatedSep 4, 2026
Details
As Low As*
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 640 - 679 B Loan
6.25%
24 Mo.
▼
APR6.25%
Term24 Mo.
Last UpdatedSep 9, 2026
Details
APR6.25%
Term76-84 months
Last UpdatedSep 10, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer)
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedSep 4, 2026
Details
As low as
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
New Car Loan
6.50%
up to 84 months
▼
APR6.50%
Termup to 84 months
Last UpdatedAug 31, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 24-48 MO. (680 - 729 Score) Loan
6.50%
48 Mo
▼
APR6.50%
Term48 Mo
Last UpdatedSep 9, 2026
Details
Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 60 Mo. (730+ Score) Loan
6.50%
60 months
▼
APR6.50%
Term60 months
Last UpdatedSep 9, 2026
Details
Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 640 - 679 B Loan
6.50%
48 Mo.
▼
APR6.50%
Term48 Mo.
Last UpdatedSep 9, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Car Loan
6.50%
up to 84 months
▼
APR6.50%
Termup to 84 months
Last UpdatedSep 9, 2026
Details
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
New Vehicle (2024 or Newer) Loan
6.74%
73-84 Months
▼
APR6.74%
Term73-84 Months
Last UpdatedSep 4, 2026
Details
As Low As; *
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 60 Mo. (680 - 729 Score) Loan
6.75%
60 months
▼
APR6.75%
Term60 months
Last UpdatedSep 9, 2026
Details
Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 640 - 679 B Loan
6.75%
60 Mo.
▼
APR6.75%
Term60 Mo.
Last UpdatedSep 9, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New & Used Vehicles Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedSep 4, 2026
Details
Annual Percentage Rate (APR) as low as
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New Auto Loans
6.99%
85 - 96 Months
▼
APR6.99%
Term85 - 96 Months
Last UpdatedAug 31, 2026
Details
Model Year: 2025 - Newer
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 72 Mo. (730+ Score) Loan
7.00%
72 months
▼
APR7.00%
Term72 months
Last UpdatedSep 9, 2026
Details
Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 72 Mo. (680 - 729 Score) Loan
7.25%
72 months
▼
APR7.25%
Term72 months
Last UpdatedSep 9, 2026
Details
Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 640 - 679 B Loan
7.25%
72 Mo.
▼
APR7.25%
Term72 Mo.
Last UpdatedSep 9, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 84 Mo. (730+ Score) Loan
7.50%
84 months
▼
APR7.50%
Term84 months
Last UpdatedSep 9, 2026
Details
Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 84 Mo. (680 - 729 Score) Loan
7.75%
84 months
▼
APR7.75%
Term84 months
Last UpdatedSep 9, 2026
Details
Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 96-132 Mo. (730+ Score) Loan
7.75%
132 Mo
▼
APR7.75%
Term132 Mo
Last UpdatedSep 9, 2026
Details
Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 600 - 639 C Loan
7.75%
24 Mo.
▼
APR7.75%
Term24 Mo.
Last UpdatedSep 9, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 640 - 679 B Loan
7.75%
84 Mo.
▼
APR7.75%
Term84 Mo.
Last UpdatedSep 9, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 96-132 Mo. (680 - 729 Score) Loan
8.00%
132 Mo
▼
APR8.00%
Term132 Mo
Last UpdatedSep 9, 2026
Details
Grade of Paper: A
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New & Used Vehicles Loan
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedSep 4, 2026
Details
Annual Percentage Rate (APR) as low as
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 144-180 Mo. (730+ Score) Loan
8.25%
180 Mo
▼
APR8.25%
Term180 Mo
Last UpdatedSep 9, 2026
Details
Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 24-48 MO. (640 - 679 Score) Loan
8.25%
48 Mo
▼
APR8.25%
Term48 Mo
Last UpdatedSep 9, 2026
Details
Grade of Paper: B
Powered by
MonitorBankRates
Irmo Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
New & Used Automobile or Truck (2023-New)
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 31, 2026
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
7454 Woodrow St, Irmo, SC, 29063
New or Used Auto Loans
4.74%
Up to 63 months
▼
APR4.74%
TermUp to 63 months
Last UpdatedSep 4, 2026
Details
As Low As
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
7454 Woodrow St, Irmo, SC, 29063
New or Used Auto Loans
4.84%
64 - 75 months
▼
APR4.84%
Term64 - 75 months
Last UpdatedSep 4, 2026
Details
As Low As
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
7454 Woodrow St, Irmo, SC, 29063
New or Used Auto Loans
5.14%
76 - 84 months
▼
APR5.14%
Term76 - 84 months
Last UpdatedSep 4, 2026
Details
As Low As
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
New & Used Automobile or Truck (2023-New)
5.50%
37-48 months
▼
APR5.50%
Term37-48 months
Last UpdatedAug 31, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
New & Used Automobile or Truck (2023-New)
5.55%
49-60 months
▼
APR5.55%
Term49-60 months
Last UpdatedAug 31, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
New & Used Automobile or Truck (2023-New)
5.60%
61-72 months
▼
APR5.60%
Term61-72 months
Last UpdatedAug 31, 2026
Details
($15,000+)
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
Used Automobile or Truck
6.44%
up to 48 Months
▼
APR6.44%
Termup to 48 Months
Last UpdatedAug 31, 2026
Details
As Low As; (4-5 years old)
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
Used Automobile or Truck (4-5 years old)
6.44%
up to 48 Months
▼
APR6.44%
Termup to 48 Months
Last UpdatedAug 31, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
New & Used Automobile or Truck (2023-New)
7.29%
73-84 months
▼
APR7.29%
Term73-84 months
Last UpdatedAug 31, 2026
Details
($25,000+)
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
Used Automobile or Truck
7.75%
up to 48 Months
▼
APR7.75%
Termup to 48 Months
Last UpdatedAug 31, 2026
Details
As low as*; (under $15,000)
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
Used Automobile or Truck (6 years & older)
7.75%
up to 48 Months
▼
APR7.75%
Termup to 48 Months
Last UpdatedAug 31, 2026
Details
(under $15,000)
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
7816 Broad River Rd, Irmo, SC, 29063
New & Used Automobile or Truck (2023-New)
9.29%
85-96 months
▼
APR9.29%
Term85-96 months
Last UpdatedAug 31, 2026
Details
($40,000+)
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
Used Auto Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedSep 5, 2026
Details
As Low As
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New or Used Car/Truck/Van Loan
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedAug 31, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 730+ A+ Loan
4.00%
24 Mo.
▼
APR4.00%
Term24 Mo.
Last UpdatedSep 9, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 730+ A+ Loan
4.25%
48 Mo.
▼
APR4.25%
Term48 Mo.
Last UpdatedSep 9, 2026
Details
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
Used Auto (2024 & Older)
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedAug 31, 2026
Details
As Low As
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New and Used Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedSep 4, 2026
Details
As Low As*
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Autos
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedSep 4, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 680 - 729 A Loan
4.50%
24 Mo.
▼
APR4.50%
Term24 Mo.
Last UpdatedSep 9, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 730+ A+ Loan
4.50%
60 Mo.
▼
APR4.50%
Term60 Mo.
Last UpdatedSep 9, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New & Used Vehicles Loan
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedSep 4, 2026
Details
Annual Percentage Rate (APR) as low as
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New or Used Auto Loans
4.50%
24-84 months
▼
APR4.50%
Term24-84 months
Last UpdatedSep 4, 2026
Details
Rates As Low As; Annual Percentage Rate (APR) may vary depending on each individual's credit history and underwriting factors. All loans subject to credit union approval. All credit union loan promotional offers, programs, rates, terms and conditions are subject to change at any time and without notice. Offer may end at any time. Other restrictions may apply. Loan rates are based on applicant's creditworthiness and may vary from those shown above. Rates, terms and conditions are subject to change without notice. All loans subject to approval. Membership eligibility required.
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Autos
4.69%
37 - 60 months
▼
APR4.69%
Term37 - 60 months
Last UpdatedSep 4, 2026
Details
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
Used Auto (2024 & Older)
4.74%
37 to 48 Months
▼
APR4.74%
Term37 to 48 Months
Last UpdatedAug 31, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedSep 5, 2026
Details
As Low As
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New and Used Auto Loans
4.74%
37 - 48 months
▼
APR4.74%
Term37 - 48 months
Last UpdatedSep 4, 2026
Details
As Low As*
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 680 - 729 A Loan
4.75%
48 Mo.
▼
APR4.75%
Term48 Mo.
Last UpdatedSep 9, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2026 and 2025 model years Loan
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedSep 9, 2026
Details
As low as*
APR4.75%
TermUp to 36 months
Last UpdatedSep 10, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2026 and 2025 model years Loan
4.84%
2025 Mo
▼
APR4.84%
Term2025 Mo
Last UpdatedSep 9, 2026
Details
As low as*
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Autos
4.89%
61 - 72 months
▼
APR4.89%
Term61 - 72 months
Last UpdatedSep 4, 2026
Details
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
Used Auto (2024 & Older)
4.99%
49 to 60 Months
▼
APR4.99%
Term49 to 60 Months
Last UpdatedAug 31, 2026
Details
As Low As
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2024, 2023, and 2022 model years Loan
4.99%
Up to 48 months
▼
APR4.99%
TermUp to 48 months
Last UpdatedSep 9, 2026
Details
As low as*
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2026 and 2025 model years Loan
4.99%
2025 Mo
▼
APR4.99%
Term2025 Mo
Last UpdatedSep 9, 2026
Details
As low as*^
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New and Used Auto Loans
4.99%
49 - 60 months
▼
APR4.99%
Term49 - 60 months
Last UpdatedSep 4, 2026
Details
As Low As*
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Vehicles 2020-2026 Loan
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 4, 2026
Details
APR range: 4.99% - 18.00%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 730+ A+ Loan
5.00%
72 Mo.
▼
APR5.00%
Term72 Mo.
Last UpdatedSep 9, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New & Used Vehicles Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedSep 4, 2026
Details
Annual Percentage Rate (APR) as low as
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
Used Auto (2024 & Older)
5.24%
61 to 72 Months
▼
APR5.24%
Term61 to 72 Months
Last UpdatedAug 31, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
Used Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedSep 5, 2026
Details
As Low As
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2021 and 2020 model years Loan
5.24%
Up to 48 months
▼
APR5.24%
TermUp to 48 months
Last UpdatedSep 9, 2026
Details
As low as*
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
Used Autos
5.24%
Up to 36 Months
▼
APR5.24%
TermUp to 36 Months
Last UpdatedSep 4, 2026
Details
As low as
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New and Used Auto Loans
5.24%
61 - 72 months
▼
APR5.24%
Term61 - 72 months
Last UpdatedSep 4, 2026
Details
As Low As*
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 680 - 729 A Loan
5.25%
72 Mo.
▼
APR5.25%
Term72 Mo.
Last UpdatedSep 9, 2026
Details
South Carolina Methodist Conference Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
Used Auto or Truck
5.25%
up to 60 months
▼
APR5.25%
Termup to 60 months
Last UpdatedAug 31, 2026
Details
As Low As
APR5.25%
Term37-48 months
Last UpdatedSep 10, 2026
Details
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Used cars, trucks and vans Loan
5.35%
Varies
▼
APR5.35%
TermVaries
Last UpdatedSep 5, 2026
Details
As low as; Rate Type: Fixed
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedAug 31, 2026
Details
As Low As; 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%. All used auto loan rates including promotional rates and discounts are subject to a 5.39% APR minimum for 2019-2024 models, and 7.64% minimum for 2016-2018 models.
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2024, 2023, and 2022 model years Loan
5.44%
2022 Mo
▼
APR5.44%
Term2022 Mo
Last UpdatedSep 9, 2026
Details
As low as*
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2026 and 2025 model years Loan
5.44%
2025 Mo
▼
APR5.44%
Term2025 Mo
Last UpdatedSep 9, 2026
Details
As low as*^
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
Used Autos
5.49%
37 - 48 Months
▼
APR5.49%
Term37 - 48 Months
Last UpdatedSep 4, 2026
Details
As low as
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 730+ A+ Loan
5.50%
84 Mo.
▼
APR5.50%
Term84 Mo.
Last UpdatedSep 9, 2026
Details
APR5.50%
Term61-75 months
Last UpdatedSep 10, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto Loan
5.64%
36 - 63 Months
▼
APR5.64%
Term36 - 63 Months
Last UpdatedAug 31, 2026
Details
Model Year: 2019 - 2024
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
Used Auto (2024 & Older)
5.74%
73 to 84 Months
▼
APR5.74%
Term73 to 84 Months
Last UpdatedAug 31, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
Used Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedSep 5, 2026
Details
As Low As
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
Used Autos
5.74%
49 - 60 Months
▼
APR5.74%
Term49 - 60 Months
Last UpdatedSep 4, 2026
Details
As low as
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Vehicles 2020-2026 Loan
5.74%
up to 60 months
▼
APR5.74%
Termup to 60 months
Last UpdatedSep 4, 2026
Details
APR range: 5.74% - 18.00%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 680 - 729 A Loan
5.75%
84 Mo.
▼
APR5.75%
Term84 Mo.
Last UpdatedSep 9, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New & Used Vehicles Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedSep 4, 2026
Details
Annual Percentage Rate (APR) as low as
South Carolina Methodist Conference Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
Used Auto or Truck
5.75%
up to 60 months
▼
APR5.75%
Termup to 60 months
Last UpdatedAug 31, 2026
Details
As Low As; *
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto Loan
5.79%
64 - 75 Months
▼
APR5.79%
Term64 - 75 Months
Last UpdatedAug 31, 2026
Details
Model Year: 2019 - 2024
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2024, 2023, and 2022 model years Loan
5.94%
2022 Mo
▼
APR5.94%
Term2022 Mo
Last UpdatedSep 9, 2026
Details
As low as*^
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2021 and 2020 model years Loan
5.99%
2020 Mo
▼
APR5.99%
Term2020 Mo
Last UpdatedSep 9, 2026
Details
As low as*
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
Used Autos
5.99%
61 - 72 Months
▼
APR5.99%
Term61 - 72 Months
Last UpdatedSep 4, 2026
Details
As low as
CPM Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Autos
5.99%
73-84 months
▼
APR5.99%
Term73-84 months
Last UpdatedSep 4, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 24-48 MO. (730+ Score) Loan
6.00%
48 Mo
▼
APR6.00%
Term48 Mo
Last UpdatedSep 9, 2026
Details
Grade of Paper: A+
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Vehicles Older-2019 Loan
6.00%
up to 48 months
▼
APR6.00%
Termup to 48 months
Last UpdatedSep 4, 2026
Details
APR range: 6.00% - 18.00%
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto Loan
6.24%
76 - 84 Months
▼
APR6.24%
Term76 - 84 Months
Last UpdatedAug 31, 2026
Details
Model Year: 2019 - 2024
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
High Mileage Used Autos
6.24%
Up to 36 Months
▼
APR6.24%
TermUp to 36 Months
Last UpdatedSep 4, 2026
Details
As low as
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
Used Autos
6.24%
Over 73 Months
▼
APR6.24%
TermOver 73 Months
Last UpdatedSep 4, 2026
Details
As low as
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New and Used Auto Loans
6.24%
73 - 84 months
▼
APR6.24%
Term73 - 84 months
Last UpdatedSep 4, 2026
Details
As Low As*
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Vehicles 2020-2026 Loan
6.24%
up to 72 months
▼
APR6.24%
Termup to 72 months
Last UpdatedSep 4, 2026
Details
APR range: 6.24% - 18.00%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 640 - 679 B Loan
6.25%
24 Mo.
▼
APR6.25%
Term24 Mo.
Last UpdatedSep 9, 2026
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Vehicles Older-2019 Loan
6.25%
up to 60 months
▼
APR6.25%
Termup to 60 months
Last UpdatedSep 4, 2026
Details
APR range: 6.25% - 18.00%
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2024, 2023, and 2022 model years Loan
6.44%
2022 Mo
▼
APR6.44%
Term2022 Mo
Last UpdatedSep 9, 2026
Details
As low as*^
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
High Mileage Used Autos
6.49%
37 - 48 Months
▼
APR6.49%
Term37 - 48 Months
Last UpdatedSep 4, 2026
Details
As low as
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 24-48 MO. (680 - 729 Score) Loan
6.50%
48 Mo
▼
APR6.50%
Term48 Mo
Last UpdatedSep 9, 2026
Details
Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 60 Mo. (730+ Score) Loan
6.50%
60 months
▼
APR6.50%
Term60 months
Last UpdatedSep 9, 2026
Details
Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 640 - 679 B Loan
6.50%
48 Mo.
▼
APR6.50%
Term48 Mo.
Last UpdatedSep 9, 2026
Details
APR6.50%
Term76 Months
Last UpdatedSep 10, 2026
Details
Term: 76-84 months (2023 or Newer)
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
High Mileage Used Autos
6.74%
49 - 60 Months
▼
APR6.74%
Term49 - 60 Months
Last UpdatedSep 4, 2026
Details
As low as
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 60 Mo. (680 - 729 Score) Loan
6.75%
60 months
▼
APR6.75%
Term60 months
Last UpdatedSep 9, 2026
Details
Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 640 - 679 B Loan
6.75%
60 Mo.
▼
APR6.75%
Term60 Mo.
Last UpdatedSep 9, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New & Used Vehicles Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedSep 4, 2026
Details
Annual Percentage Rate (APR) as low as
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Vehicles Older-2019 Loan
6.75%
up to 72 months
▼
APR6.75%
Termup to 72 months
Last UpdatedSep 4, 2026
Details
APR range: 6.75% - 18.00%
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Used Vehicles - 2019 and older model years Loan
6.99%
Up to 48 months
▼
APR6.99%
TermUp to 48 months
Last UpdatedSep 9, 2026
Details
As low as*
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
High Mileage Used Autos
6.99%
61 - 72 Months
▼
APR6.99%
Term61 - 72 Months
Last UpdatedSep 4, 2026
Details
As low as
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 72 Mo. (730+ Score) Loan
7.00%
72 months
▼
APR7.00%
Term72 months
Last UpdatedSep 9, 2026
Details
Grade of Paper: A+
Carolina Foothills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
High Mileage Used Autos
7.24%
Over 73 Months
▼
APR7.24%
TermOver 73 Months
Last UpdatedSep 4, 2026
Details
As low as
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Vehicles 2020-2026 Loan
7.24%
up to 84 months
▼
APR7.24%
Termup to 84 months
Last UpdatedSep 4, 2026
Details
APR range: 7.24% - 18.00%
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
Used Car - less than 100,000 Miles Loan
7.25%
up to 84 months
▼
APR7.25%
Termup to 84 months
Last UpdatedAug 31, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 72 Mo. (680 - 729 Score) Loan
7.25%
72 months
▼
APR7.25%
Term72 months
Last UpdatedSep 9, 2026
Details
Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 640 - 679 B Loan
7.25%
72 Mo.
▼
APR7.25%
Term72 Mo.
Last UpdatedSep 9, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Used Car - greater than 100,000 Miles Loan
7.25%
up to 72 months
▼
APR7.25%
Termup to 72 months
Last UpdatedSep 9, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Used Car - less than 100,000 Miles Loan
7.25%
up to 84 months
▼
APR7.25%
Termup to 84 months
Last UpdatedSep 9, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 84 Mo. (730+ Score) Loan
7.50%
84 months
▼
APR7.50%
Term84 months
Last UpdatedSep 9, 2026
Details
Grade of Paper: A+
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Vehicles Older-2019 Loan
7.50%
up to 84 months
▼
APR7.50%
Termup to 84 months
Last UpdatedSep 4, 2026
Details
APR range: 7.50% - 18.00%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 84 Mo. (680 - 729 Score) Loan
7.75%
84 months
▼
APR7.75%
Term84 months
Last UpdatedSep 9, 2026
Details
Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 96-132 Mo. (730+ Score) Loan
7.75%
132 Mo
▼
APR7.75%
Term132 Mo
Last UpdatedSep 9, 2026
Details
Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 600 - 639 C Loan
7.75%
24 Mo.
▼
APR7.75%
Term24 Mo.
Last UpdatedSep 9, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles 640 - 679 B Loan
7.75%
84 Mo.
▼
APR7.75%
Term84 Mo.
Last UpdatedSep 9, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto Loan
7.89%
36 - 63 Months
▼
APR7.89%
Term36 - 63 Months
Last UpdatedAug 31, 2026
Details
Model Year: 2016 - 2018
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 96-132 Mo. (680 - 729 Score) Loan
8.00%
132 Mo
▼
APR8.00%
Term132 Mo
Last UpdatedSep 9, 2026
Details
Grade of Paper: A
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New & Used Vehicles Loan
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedSep 4, 2026
Details
Annual Percentage Rate (APR) as low as
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 144-180 Mo. (730+ Score) Loan
8.25%
180 Mo
▼
APR8.25%
Term180 Mo
Last UpdatedSep 9, 2026
Details
Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 24-48 MO. (640 - 679 Score) Loan
8.25%
48 Mo
▼
APR8.25%
Term48 Mo
Last UpdatedSep 9, 2026
Details
Grade of Paper: B
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MonitorBankRates
Irmo, SC Auto Loan Rate Trends
Compare local Irmo, 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.
New Auto Loan SC Avg
5.124%
▼ 0.002 vs 7 days ago
South Carolina new auto rates fell 0.002 points over the past 7 days to 5.124% APR.
Used Auto Loan SC Avg
6.722%
▲ 0.496 vs 7 days ago
South Carolina used auto rates rose 0.496 points over the past 7 days to 6.722% APR.
As of Sep 10, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Irmo, 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.
Current New Auto Avg
5.12%
APR, as of Sep 10, 2026
6-Month Forecast
5.20%
Fed hold assumed
12-Month Forecast
5.27%
Range: 4.92% to 5.47%
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 @ 5.12% APR SC average | Used Auto @ 6.72% APR SC average | Monthly Difference |
|---|---|---|---|
| $15,000 | $283.92/mo | $295.06/mo | $11.13/mo |
| $25,000 | $473.20/mo | $491.76/mo | $18.56/mo |
| $35,000 | $662.48/mo | $688.46/mo | $25.98/mo |
| $45,000 | $851.76/mo | $885.17/mo | $33.40/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 Irmo, South Carolina
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Irmo, 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.
2
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.
3
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.
4
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.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment: park it in a Irmo, 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: Irmo, South Carolina CD rates lock in a guaranteed return until you’re ready to buy
Irmo, South Carolina Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$46,106
Median Individual Earnings
National avg: $47,340
8.4%
Unemployment Rate
National avg: 4.8%
9.2%
Poverty Rate
National avg: 11.1%
$568/mo
Payment on a $30K / 60-mo Loan
At SC new-auto avg 5.12% APR
A $568 monthly car payment works out to roughly 14.8% of the median individual income in Irmo, South Carolina. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Irmo, 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 1–3 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 (0–2.9% 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 Irmo, 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.
$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
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 Irmo, 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 Irmo, 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 Irmo, 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.
Frequently Asked Questions about Auto Loans in Irmo, 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 Irmo, 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 Irmo, 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.
Should I get preapproved for an auto loan before visiting a dealer in Irmo, South Carolina?
Yes. A preapproval from a bank or credit union serving Irmo, South Carolina gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Irmo, South Carolina can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
What are the best Auto Loan rates in Irmo, South Carolina?
Based on our current data, some of the lowest auto loan rates available in Irmo, South Carolina include:
- South Carolina State Federal Credit Union: 3.95% (Vehicle Loans)
- Palmetto Citizens Federal Credit Union: 3.99% (New & Used Automobile or Truck (2023-New))
- SAFE Federal Credit Union: 4.49% (2024 and Newer Auto Loan)
- AllSouth Federal Credit Union: 4.74% (New or Used Auto Loans)
- Market USA Federal Credit Union: 3.49% (New Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Irmo, South Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 10, 2026
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