Isle Of Palms, SC Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Isle Of Palms, South Carolina auto loan rates from lenders serving South Carolina range from 3.50% to 6.25% APR, verified by MonitorBankRates as of October 23, 2026. Current auto loan rates in Isle Of Palms, South Carolina include Tru Federal Credit UnionTru Federal Credit UnionA+5.0 ★Texas Ratio: 2.18%Rate verified Oct 23, 2026 offering New Vehicle Loan at 3.50%, Market USA Federal Credit UnionMarket USA Federal Credit UnionA+5.0 ★Texas Ratio: 4.76%Rate verified Oct 23, 2026 offering New Auto Loan at 3.74%, South Carolina State Federal Credit UnionSouth Carolina State Federal Credit UnionA+5.0 ★Texas Ratio: 2.89%Rate verified Oct 19, 2026 offering Vehicle Loans at 3.95%, State Department Federal Credit UnionState Department Federal Credit UnionA+5.0 ★Texas Ratio: 4.05%Rate verified Oct 23, 2026 offering New Auto at 3.99%, Palmetto Citizens Federal Credit UnionPalmetto Citizens Federal Credit UnionA+5.0 ★Texas Ratio: 4.34%Rate verified Oct 23, 2026 offering New & Used Automobile or Truck (2023-New) at 3.99%. Auto loan rates as of October 23, 2026 according to verified data from MonitorBankRates.
Isle Of Palms borrowers have access to 36 lenders serving the South Carolina area, with auto loan rates as low as 3.50% APR from Tru Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Isle Of Palms, South Carolina. Auto Loan Rates Last Updated and Verified: October 23, 2026
Compare Auto Loan Rates Today in Isle Of Palms, South Carolina & Surrounding Area
Isle Of Palms Auto Loan Rates
As Low As; APR* and up
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20263.74%▲ from 3.49%
- Sep 12, 20263.49%first recorded
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20263.74%▲ from 3.49%
- Sep 12, 20263.49%first recorded
As Low As; New car loan; Max term of 96 months
As Low As; APR includes .25% automatic payment and direct deposit discount; Rates effective October 1, 2026
As Low As
Term: Up to 48 Month Financing; As Low As; Vehicles 2026-2022 (less than 50,000 miles < 125% LTV)
As Low As; Vehicles 2026-2022 (less than 50,000 miles < 125% LTV)
As Low As; Depending on Age; Rates effective as of 1/1/2026
Term: Up to 84 months, Depending on Age; As Low As; Depending on age
As Low As; Vehicle Loan Rates
APR range: 3.99%-17.99% APR
Score: 730+; Grade of Paper: A+; Secured Advances
Score: 730+; Grade of Paper: A+; Secured Advances
Auto Loan
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; APR includes .25% automatic payment and direct deposit discount; Rates effective October 1, 2026
As Low As; Auto loan; New vehicles up to 5 years old and up to 30,000 miles
As Low As; APR range 4.24%-9.99%; lowest rates factor in up to 1.00% rate deductions
As Low As; APR range 4.24%-9.99%; lowest rates factor in up to 1.00% rate deductions
Score: 730+; Grade of Paper: A+; Secured Advances
As Low As; APR - Fixed Rate
As Low As; Fixed rate; Loan rates below effective through October 31, 2026
As Low As; APR includes .25% automatic payment and direct deposit discount; Rates effective October 1, 2026
As Low As; APR includes .25% automatic payment and direct deposit discount; Rates effective October 1, 2026
As Low As; Vehicles 2026-2022 (less than 50,000 miles < 125% LTV)
As Low As; Model Year: 2024 and Newer
As Low As; Auto loan; New vehicles up to 5 years old and up to 30,000 miles
As Low As; Rates may vary
As Low As; New vehicle is less than 2 years old and less than 30,000 miles
- Oct 5, 20264.49%▲ from 3.74%
- Sep 14, 20263.74%first recorded
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
As Low As; Vehicle Loan Rates
As Low As; Vehicle Loan Rates
As Low As; Vehicle age: 0 - 1 year
- Oct 5, 20264.49%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; APR range 4.49%-10.99%; lowest rates factor in up to 1.00% rate deductions
Published rate range: 4.5 - 14.95%. Maximum: $30,000
Score: 730+; Grade of Paper: A+; Secured Advances
- Oct 13, 20264.50%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Score: 680 - 729; Grade of Paper: A; Secured Advances
Score: 680 - 729; Grade of Paper: A; Secured Advances
As Low As; APR - Fixed Rate
As Low As; Fixed rate; Loan rates below effective through October 31, 2026
As Low As; Auto Loans (Vehicle Loans)
As Low As; Auto Loans (Vehicle Loans)
As Low As; Rates effective as of September 1, 2026
As Low As; Rates effective as of September 1, 2026
As Low As; Guaranteed Better Loan Advantage; No payment for 90 days; Flexible monthly terms 24-84; Rates effective as of September 1, 2026; subject to change
As Low As; New vehicle: prior year, current year or upcoming year model with 15,000 miles or less, never previously titled
APR range: 4.50% - 18.00%; Vehicle Year: New
- Sep 17, 20264.50%▼ from 6.00%
- Sep 14, 20266.00%first recorded
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.59%▲ from 4.29%
- Sep 30, 20264.29%first recorded
As Low As; Vehicle Loan Rates
As Low As; Vehicle Loan Rates
As Low As; APR includes .25% automatic payment and direct deposit discount; Rates effective October 1, 2026
As Low As; Auto loan; New vehicles up to 5 years old and up to 30,000 miles
As Low As; Minimum loan amount of $5,000; based on 2024 model vehicle or newer and LTV less than 80%
As Low As; New vehicle is less than 2 years old and less than 30,000 miles
- Oct 5, 20264.74%▲ from 3.99%
- Sep 21, 20263.99%first recorded
As Low As; New vehicle is less than 2 years old and less than 30,000 miles
- Oct 5, 20264.74%▲ from 3.99%
- Sep 21, 20263.99%first recorded
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
Score: 680 - 729; Grade of Paper: A; Secured Advances
Score: 680 - 729; Grade of Paper: A; Secured Advances
- Oct 13, 20264.75%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Auto Loan
As Low As; Minimum loan amount of $5,000; based on 2024 model vehicle or newer and LTV less than 80%
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.89%▲ from 4.59%
- Sep 30, 20264.59%first recorded
As Low As; Vehicle Loan Rates
Used: 2022 - 2023; includes All-In Member Pricing discount up to 0.50% APR; Rates for 2021 and older models may be higher; Add 1% to rate when using cash, check or coupons
As Low As; APR - Fixed Rate
As Low As; Fixed rate; Loan rates below effective through October 31, 2026
As Low As; Fixed APR; APR based on creditworthiness and member's credit union relationship
As Low As; APR includes .25% automatic payment and direct deposit discount; Rates effective October 1, 2026
As Low As; APR includes .25% automatic payment and direct deposit discount; Rates effective October 1, 2026
As Low As; Vehicles 2026-2022 (less than 50,000 miles < 125% LTV)
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20264.99%▲ from 4.74%
- Sep 17, 20264.74%first recorded
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20264.99%▲ from 4.74%
- Sep 17, 20264.74%first recorded
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20264.99%▲ from 4.74%
- Sep 17, 20264.74%first recorded
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20264.99%▲ from 4.74%
- Sep 17, 20264.74%first recorded
As Low As; Auto loan; New vehicles up to 5 years old and up to 30,000 miles
As Low As; Rates may vary
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026
APR range: 4.99% - 18.00%; Vehicle Year: New
- Sep 17, 20264.99%▼ from 6.50%
- Sep 14, 20266.50%first recorded
Vehicle Year: 2020-2026; APR* Range: 4.99% - 18.00%; Down payment may be required
New Auto/Motorcycle Loans; Model Year 2024 and Newer; New/Refinance; includes All-In Member Pricing discount up to 0.50% APR; Add 1% to rate when using cash, check or coupons
Score: 730+; Grade: A+
As Low As; Model Year: 2026 and Newer
As Low As; Model Year: 2026 and Newer
As Low As; Model Year: 2026 and Newer; $15,000 is the minimum amount to be financed for a 72-month term
As Low As; Model Year: 2024, 2023, and 2022
As Low As; Model Year: 2026 and 2025
As Low As; Auto Loans (Vehicle Loans)
As Low As; Rates effective as of September 1, 2026
As Low As; New vehicle: prior year, current year or upcoming year model with 15,000 miles or less, never previously titled
Credit Score: 750-850; Percent Financed: 100%
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.09%▲ from 4.79%
- Sep 30, 20264.79%first recorded
As Low As; Minimum loan amount of $5,000; based on 2024 model vehicle or newer and LTV less than 80%
Used: 2022 - 2023; includes All-In Member Pricing discount up to 0.50% APR; Rates for 2021 and older models may be higher; Add 1% to rate when using cash, check or coupons
As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Model Year: 2026 and Newer; $25,000 is the minimum amount to be financed for an 84-month term
As Low As; Rates from 5.23% APR for 72 months; minimum loan $4,000, maximum loan $150,000; APR includes $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; accurate as of 02/02/2026
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.24%▼ from 5.49%
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As; APR includes .25% automatic payment and direct deposit discount; Rates effective October 1, 2026
As Low As; Model Year: 2024 and Newer
As Low As; Model Year: 2021 and 2020
As Low As; Auto loan; New vehicles up to 5 years old and up to 30,000 miles
As Low As; Auto loan; Used vehicles less than 10 years old and between 30,001 and 99,999 miles
As Low As; Model Year: 2021 - 2024
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
APR range: 5.24% - 18.00%; Vehicle Year: New
- Sep 17, 20265.24%▼ from 7.00%
- Sep 14, 20267.00%first recorded
As Low As; APR As Low As
As Low As; APR As Low As
As Low As; Standard APR*: 6.25%; Maximum Term in Years: 3; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; Standard APR*: 6.25%; Maximum Term in Years: 4; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
Score: 680 - 729; Grade of Paper: A; Secured Advances
- Oct 13, 20265.25%▼ from 7.00%
- Sep 17, 20267.00%first recorded
As Low As; Fixed APR; Up to 2 model years old; APR based on creditworthiness and member's credit union relationship
Auto Loan
Auto Loan
Auto Loan
Auto Loan
As Low As; Vehicle Loan Rates
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.44%▼ from 5.69%
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
Term: Up to 72 Months Financing; As Low As; Vehicle Years: 2021-2016; Mileage: 50,001 to 130,000 miles
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20265.49%▲ from 5.24%
- Sep 12, 20265.24%first recorded
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20265.49%▲ from 5.24%
- Sep 12, 20265.24%first recorded
As Low As; Auto loan; Used vehicles less than 10 years old and between 30,001 and 99,999 miles
As Low As; Rates may vary
APR range: 5.49% - 18.00%; Vehicle Year: New
As Low As; Vehicle age: 0 - 1 year
- Oct 5, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Vehicle age: 2 - 10 years
- Oct 5, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Payment Saver; Model Year 2024 and Newer; autos two years old or newer; Add 1% to rate when using cash, check or coupons
As Low As
As Low As; Standard APR*: 6.50%; Maximum Term in Years: 5; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.50%▲ from 5.00%
- Oct 8, 20265.00%first recorded
As Low As; Vehicles must be 5 model years or newer (including current year); mileage must not exceed 100,000 miles
Auto Loan
Auto Loan
Published APR range: 5.54% - 16.74%. Model Year: 2025 - Newer
- Oct 7, 20265.54%▲ from 5.14%
- Sep 15, 20265.14%first recorded
As Low As
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.59%▲ from 5.29%
- Sep 30, 20265.29%first recorded
As Low As; Amount: $15,000+
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.69%▲ from 5.39%
- Sep 30, 20265.39%first recorded
As Low As; Rates from 5.70% APR for 84 months; minimum loan $50,000, maximum loan $150,000; APR includes $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; accurate as of 02/02/2026
As Low As; Fixed APR; APR based on creditworthiness and member's credit union relationship
As Low As; Loan amount: $25,000; APR includes .25% automatic payment and direct deposit discount; Rates effective October 1, 2026
As Low As; Loan amount: $25,000; APR includes .25% automatic payment and direct deposit discount; Rates effective October 1, 2026
As Low As; Model Year: 2024 and Newer
As Low As; Auto loan; Used vehicles less than 10 years old and between 30,001 and 99,999 miles
As Low As; New vehicle is less than 2 years old and less than 30,000 miles
- Oct 5, 20265.74%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Used vehicle is more than 2 years old or more than 30,000 miles
Vehicle Year: 2020-2026; APR* Range: 5.74% - 18.00%; Down payment may be required
Payment Saver; Model Year 2024 and Newer; autos two years old or newer; Add 1% to rate when using cash, check or coupons
As Low As; (As low as)
As Low As; (As low as)
As Low As; Standard APR*: 6.75%; Maximum Term in Years: 6; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.75%▲ from 5.25%
- Oct 8, 20265.25%first recorded
Score: 730+; Grade of Paper: A+; Secured Advances
- Oct 13, 20265.75%▼ from 7.50%
- Sep 17, 20267.50%first recorded
As Low As; APR - Fixed Rate
As Low As; Fixed rate; Loan rates below effective through October 31, 2026
As Low As; Auto Loans (Vehicle Loans)
As Low As; Rates effective as of September 1, 2026
As Low As; Fixed APR; 3 to 7 model years old; APR based on creditworthiness and member's credit union relationship
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
Published APR range: 5.94% - 17.24%. Model Year: 2025 - Newer
- Oct 7, 20265.94%▲ from 5.54%
- Sep 15, 20265.54%first recorded
Published APR range: 5.99% - 17.24%. Model Year: 2019 - 2024
- Sep 27, 20265.99%▲ from 5.64%
- Sep 15, 20265.64%first recorded
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20265.99%▲ from 5.74%
- Sep 12, 20265.74%first recorded
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20265.99%▲ from 5.74%
- Sep 12, 20265.74%first recorded
As Low As; Model Year: 2024 and Newer; $20,000 min. loan
As Low As; Auto loan; Used vehicles less than 10 years old and between 30,001 and 99,999 miles
As Low As; Rates may vary
As Low As; Used vehicle is more than 2 years old or more than 30,000 miles
As Low As; Vehicle Loan Rates
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026
As Low As; APR As Low As
As Low As; APR as low as 5.00%; Maximum relationship discount 1.00%
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
As Low As; APR as low as 5.00%; Maximum relationship discount 1.00%
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
Score: 680 - 729; Grade of Paper: A; Secured Advances
- Oct 13, 20266.00%▼ from 7.50%
- Sep 17, 20267.50%first recorded
As Low As; New vehicle: prior year, current year or upcoming year model with 15,000 miles or less, never previously titled
Vehicle Year: Older-2019; APR* Range: 6.00% - 18.00%; Down payment may be required
As Low As; Vehicle age: 2 - 10 years
- Oct 5, 20266.00%▲ from 5.50%
- Sep 14, 20265.50%first recorded
Credit Score: 750-850; Percent Financed: 100%
Credit Score: 650-749; Percent Financed: 100%
As Low As; Model Year: 2021 - 2024
As Low As; Rates from 6.05% APR for 72 months; minimum loan $4,000, maximum loan $150,000; eligible model years 2023-2026; APR includes $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; accurate as of 02/02/2026
Published APR range: 6.09% - 8.49%. Model Year: 2025 - Newer
- Oct 7, 20266.09%▲ from 5.74%
- Sep 15, 20265.74%first recorded
Published APR range: 6.19% - 16.99%. Model Year: 2019 - 2024
- Sep 27, 20266.19%▲ from 5.79%
- Sep 15, 20265.79%first recorded
Financing amount: $45,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term
Financing amount: $45,000; Purchase of new car; For online applicants with excellent credit; Last updated 10/1/2026
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As; Auto loan; High-mileage vehicles over 100,000 miles or over 10 years old
As Low As; Auto loan; Used vehicles less than 10 years old and between 30,001 and 99,999 miles
As Low As; New vehicle is less than 2 years old and less than 30,000 miles
- Oct 5, 20266.24%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
Vehicle Year: 2020-2026; APR* Range: 6.24% - 18.00%; Down payment may be required
As Low As; APR as low as 5.25%; Maximum relationship discount 1.00%
- Oct 12, 20266.25%▲ from 5.75%
- Oct 8, 20265.75%first recorded
Score: 640 - 679; Grade of Paper: B; Secured Advances
Isle Of Palms New Auto Auto Loan Rates
As Low As; APR* and up
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20263.74%▲ from 3.49%
- Sep 12, 20263.49%first recorded
As Low As; APR includes .25% automatic payment and direct deposit discount; Rates effective October 1, 2026
As Low As
As Low As; Depending on Age; Rates effective as of 1/1/2026
As Low As; Vehicle Loan Rates
APR range: 3.99%-17.99% APR
Score: 730+; Grade of Paper: A+; Secured Advances
Score: 730+; Grade of Paper: A+; Secured Advances
Auto Loan
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; APR includes .25% automatic payment and direct deposit discount; Rates effective October 1, 2026
As Low As; Auto loan; New vehicles up to 5 years old and up to 30,000 miles
As Low As; APR range 4.24%-9.99%; lowest rates factor in up to 1.00% rate deductions
As Low As; APR range 4.24%-9.99%; lowest rates factor in up to 1.00% rate deductions
Score: 730+; Grade of Paper: A+; Secured Advances
As Low As; APR - Fixed Rate
As Low As; APR includes .25% automatic payment and direct deposit discount; Rates effective October 1, 2026
As Low As; Model Year: 2024 and Newer
As Low As; Auto loan; New vehicles up to 5 years old and up to 30,000 miles
As Low As; Rates may vary
As Low As; New vehicle is less than 2 years old and less than 30,000 miles
- Oct 5, 20264.49%▲ from 3.74%
- Sep 14, 20263.74%first recorded
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
As Low As; Vehicle Loan Rates
As Low As; Vehicle age: 0 - 1 year
- Oct 5, 20264.49%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; APR range 4.49%-10.99%; lowest rates factor in up to 1.00% rate deductions
Score: 730+; Grade of Paper: A+; Secured Advances
- Oct 13, 20264.50%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Score: 680 - 729; Grade of Paper: A; Secured Advances
Score: 680 - 729; Grade of Paper: A; Secured Advances
As Low As; APR - Fixed Rate
As Low As; Rates effective as of September 1, 2026
As Low As; Rates effective as of September 1, 2026
As Low As; New vehicle: prior year, current year or upcoming year model with 15,000 miles or less, never previously titled
APR range: 4.50% - 18.00%; Vehicle Year: New
- Sep 17, 20264.50%▼ from 6.00%
- Sep 14, 20266.00%first recorded
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.59%▲ from 4.29%
- Sep 30, 20264.29%first recorded
As Low As; Vehicle Loan Rates
As Low As; Auto loan; New vehicles up to 5 years old and up to 30,000 miles
As Low As; Minimum loan amount of $5,000; based on 2024 model vehicle or newer and LTV less than 80%
As Low As; New vehicle is less than 2 years old and less than 30,000 miles
- Oct 5, 20264.74%▲ from 3.99%
- Sep 21, 20263.99%first recorded
As Low As; New vehicle is less than 2 years old and less than 30,000 miles
- Oct 5, 20264.74%▲ from 3.99%
- Sep 21, 20263.99%first recorded
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
Score: 680 - 729; Grade of Paper: A; Secured Advances
Score: 680 - 729; Grade of Paper: A; Secured Advances
- Oct 13, 20264.75%▼ from 6.50%
- Sep 17, 20266.50%first recorded
As Low As; Minimum loan amount of $5,000; based on 2024 model vehicle or newer and LTV less than 80%
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.89%▲ from 4.59%
- Sep 30, 20264.59%first recorded
As Low As; APR - Fixed Rate
As Low As; Fixed APR; APR based on creditworthiness and member's credit union relationship
As Low As; APR includes .25% automatic payment and direct deposit discount; Rates effective October 1, 2026
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20264.99%▲ from 4.74%
- Sep 17, 20264.74%first recorded
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20264.99%▲ from 4.74%
- Sep 17, 20264.74%first recorded
As Low As; Auto loan; New vehicles up to 5 years old and up to 30,000 miles
As Low As; Rates may vary
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026
APR range: 4.99% - 18.00%; Vehicle Year: New
- Sep 17, 20264.99%▼ from 6.50%
- Sep 14, 20266.50%first recorded
New Auto/Motorcycle Loans; Model Year 2024 and Newer; New/Refinance; includes All-In Member Pricing discount up to 0.50% APR; Add 1% to rate when using cash, check or coupons
Score: 730+; Grade: A+
As Low As; Model Year: 2026 and Newer
As Low As; Model Year: 2026 and Newer
As Low As; Model Year: 2026 and Newer; $15,000 is the minimum amount to be financed for a 72-month term
As Low As; Rates effective as of September 1, 2026
As Low As; New vehicle: prior year, current year or upcoming year model with 15,000 miles or less, never previously titled
As Low As; Minimum loan amount of $5,000; based on 2024 model vehicle or newer and LTV less than 80%
As Low As; Model Year: 2026 and Newer; $25,000 is the minimum amount to be financed for an 84-month term
As Low As; Rates from 5.23% APR for 72 months; minimum loan $4,000, maximum loan $150,000; APR includes $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; accurate as of 02/02/2026
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.24%▼ from 5.49%
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As; Model Year: 2024 and Newer
As Low As; Auto loan; New vehicles up to 5 years old and up to 30,000 miles
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
APR range: 5.24% - 18.00%; Vehicle Year: New
- Sep 17, 20265.24%▼ from 7.00%
- Sep 14, 20267.00%first recorded
As Low As; APR As Low As
As Low As; APR As Low As
Score: 680 - 729; Grade of Paper: A; Secured Advances
- Oct 13, 20265.25%▼ from 7.00%
- Sep 17, 20267.00%first recorded
Auto Loan
Auto Loan
As Low As; Vehicle Loan Rates
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20265.49%▲ from 5.24%
- Sep 12, 20265.24%first recorded
As Low As; Rates may vary
APR range: 5.49% - 18.00%; Vehicle Year: New
As Low As; Vehicle age: 0 - 1 year
- Oct 5, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As
Auto Loan
Published APR range: 5.54% - 16.74%. Model Year: 2025 - Newer
- Oct 7, 20265.54%▲ from 5.14%
- Sep 15, 20265.14%first recorded
As Low As
As Low As; Amount: $15,000+
As Low As; Rates from 5.70% APR for 84 months; minimum loan $50,000, maximum loan $150,000; APR includes $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; accurate as of 02/02/2026
As Low As; Fixed APR; APR based on creditworthiness and member's credit union relationship
As Low As; Loan amount: $25,000; APR includes .25% automatic payment and direct deposit discount; Rates effective October 1, 2026
As Low As; Model Year: 2024 and Newer
As Low As; New vehicle is less than 2 years old and less than 30,000 miles
- Oct 5, 20265.74%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Score: 730+; Grade of Paper: A+; Secured Advances
- Oct 13, 20265.75%▼ from 7.50%
- Sep 17, 20267.50%first recorded
As Low As; APR - Fixed Rate
As Low As; Rates effective as of September 1, 2026
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
Published APR range: 5.94% - 17.24%. Model Year: 2025 - Newer
- Oct 7, 20265.94%▲ from 5.54%
- Sep 15, 20265.54%first recorded
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20265.99%▲ from 5.74%
- Sep 12, 20265.74%first recorded
As Low As; Model Year: 2024 and Newer; $20,000 min. loan
As Low As; Rates may vary
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026
As Low As; APR As Low As
As Low As; APR as low as 5.00%; Maximum relationship discount 1.00%
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
As Low As; APR as low as 5.00%; Maximum relationship discount 1.00%
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
Score: 680 - 729; Grade of Paper: A; Secured Advances
- Oct 13, 20266.00%▼ from 7.50%
- Sep 17, 20267.50%first recorded
As Low As; New vehicle: prior year, current year or upcoming year model with 15,000 miles or less, never previously titled
Published APR range: 6.09% - 8.49%. Model Year: 2025 - Newer
- Oct 7, 20266.09%▲ from 5.74%
- Sep 15, 20265.74%first recorded
Financing amount: $45,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term
Financing amount: $45,000; Purchase of new car; For online applicants with excellent credit; Last updated 10/1/2026
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As; New vehicle is less than 2 years old and less than 30,000 miles
- Oct 5, 20266.24%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
As Low As; APR as low as 5.25%; Maximum relationship discount 1.00%
- Oct 12, 20266.25%▲ from 5.75%
- Oct 8, 20265.75%first recorded
Score: 640 - 679; Grade of Paper: B; Secured Advances
Isle Of Palms Used Auto Auto Loan Rates
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20263.74%▲ from 3.49%
- Sep 12, 20263.49%first recorded
As Low As
APR range: 3.99%-17.99% APR
Score: 730+; Grade of Paper: A+; Secured Advances
Score: 730+; Grade of Paper: A+; Secured Advances
As Low As; APR range 4.24%-9.99%; lowest rates factor in up to 1.00% rate deductions
Score: 730+; Grade of Paper: A+; Secured Advances
As Low As; Fixed rate; Loan rates below effective through October 31, 2026
As Low As; APR includes .25% automatic payment and direct deposit discount; Rates effective October 1, 2026
As Low As; Model Year: 2024 and Newer
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
As Low As; Vehicle Loan Rates
Published rate range: 4.5 - 14.95%. Maximum: $30,000
Score: 730+; Grade of Paper: A+; Secured Advances
- Oct 13, 20264.50%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Score: 680 - 729; Grade of Paper: A; Secured Advances
Score: 680 - 729; Grade of Paper: A; Secured Advances
As Low As; Fixed rate; Loan rates below effective through October 31, 2026
As Low As; Rates effective as of September 1, 2026
As Low As; Rates effective as of September 1, 2026
As Low As; Vehicle Loan Rates
As Low As; APR includes .25% automatic payment and direct deposit discount; Rates effective October 1, 2026
As Low As; Minimum loan amount of $5,000; based on 2024 model vehicle or newer and LTV less than 80%
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
Score: 680 - 729; Grade of Paper: A; Secured Advances
Score: 680 - 729; Grade of Paper: A; Secured Advances
- Oct 13, 20264.75%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Auto Loan
As Low As; Minimum loan amount of $5,000; based on 2024 model vehicle or newer and LTV less than 80%
As Low As; Vehicle Loan Rates
As Low As; Fixed rate; Loan rates below effective through October 31, 2026
As Low As; APR includes .25% automatic payment and direct deposit discount; Rates effective October 1, 2026
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20264.99%▲ from 4.74%
- Sep 17, 20264.74%first recorded
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20264.99%▲ from 4.74%
- Sep 17, 20264.74%first recorded
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026
Vehicle Year: 2020-2026; APR* Range: 4.99% - 18.00%; Down payment may be required
Score: 730+; Grade: A+
As Low As; Model Year: 2024, 2023, and 2022
As Low As; Model Year: 2026 and 2025
As Low As; Rates effective as of September 1, 2026
Credit Score: 750-850; Percent Financed: 100%
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.09%▲ from 4.79%
- Sep 30, 20264.79%first recorded
As Low As; Minimum loan amount of $5,000; based on 2024 model vehicle or newer and LTV less than 80%
As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; APR includes .25% automatic payment and direct deposit discount; Rates effective October 1, 2026
As Low As; Model Year: 2024 and Newer
As Low As; Model Year: 2021 and 2020
As Low As; Auto loan; Used vehicles less than 10 years old and between 30,001 and 99,999 miles
As Low As; Model Year: 2021 - 2024
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
As Low As; Standard APR*: 6.25%; Maximum Term in Years: 3; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; Standard APR*: 6.25%; Maximum Term in Years: 4; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
Score: 680 - 729; Grade of Paper: A; Secured Advances
- Oct 13, 20265.25%▼ from 7.00%
- Sep 17, 20267.00%first recorded
As Low As; Fixed APR; Up to 2 model years old; APR based on creditworthiness and member's credit union relationship
Auto Loan
Auto Loan
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.44%▼ from 5.69%
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20265.49%▲ from 5.24%
- Sep 12, 20265.24%first recorded
As Low As; Auto loan; Used vehicles less than 10 years old and between 30,001 and 99,999 miles
As Low As; Vehicle age: 2 - 10 years
- Oct 5, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As
As Low As; Standard APR*: 6.50%; Maximum Term in Years: 5; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.50%▲ from 5.00%
- Oct 8, 20265.00%first recorded
As Low As; Vehicles must be 5 model years or newer (including current year); mileage must not exceed 100,000 miles
Auto Loan
As Low As
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.59%▲ from 5.29%
- Sep 30, 20265.29%first recorded
As Low As; Amount: $15,000+
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.69%▲ from 5.39%
- Sep 30, 20265.39%first recorded
As Low As; Loan amount: $25,000; APR includes .25% automatic payment and direct deposit discount; Rates effective October 1, 2026
As Low As; Model Year: 2024 and Newer
As Low As; Auto loan; Used vehicles less than 10 years old and between 30,001 and 99,999 miles
Vehicle Year: 2020-2026; APR* Range: 5.74% - 18.00%; Down payment may be required
As Low As; (As low as)
As Low As; (As low as)
As Low As; Standard APR*: 6.75%; Maximum Term in Years: 6; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.75%▲ from 5.25%
- Oct 8, 20265.25%first recorded
Score: 730+; Grade of Paper: A+; Secured Advances
- Oct 13, 20265.75%▼ from 7.50%
- Sep 17, 20267.50%first recorded
As Low As; Fixed rate; Loan rates below effective through October 31, 2026
As Low As; Rates effective as of September 1, 2026
As Low As; Fixed APR; 3 to 7 model years old; APR based on creditworthiness and member's credit union relationship
Published APR range: 5.99% - 17.24%. Model Year: 2019 - 2024
- Sep 27, 20265.99%▲ from 5.64%
- Sep 15, 20265.64%first recorded
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20265.99%▲ from 5.74%
- Sep 12, 20265.74%first recorded
As Low As; Model Year: 2024 and Newer; $20,000 min. loan
As Low As; Auto loan; Used vehicles less than 10 years old and between 30,001 and 99,999 miles
As Low As; Vehicle Loan Rates
Score: 680 - 729; Grade of Paper: A; Secured Advances
- Oct 13, 20266.00%▼ from 7.50%
- Sep 17, 20267.50%first recorded
Vehicle Year: Older-2019; APR* Range: 6.00% - 18.00%; Down payment may be required
As Low As; Vehicle age: 2 - 10 years
- Oct 5, 20266.00%▲ from 5.50%
- Sep 14, 20265.50%first recorded
Credit Score: 750-850; Percent Financed: 100%
Credit Score: 650-749; Percent Financed: 100%
As Low As; Model Year: 2021 - 2024
As Low As; Rates from 6.05% APR for 72 months; minimum loan $4,000, maximum loan $150,000; eligible model years 2023-2026; APR includes $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; accurate as of 02/02/2026
Published APR range: 6.19% - 16.99%. Model Year: 2019 - 2024
- Sep 27, 20266.19%▲ from 5.79%
- Sep 15, 20265.79%first recorded
As Low As; Auto loan; High-mileage vehicles over 100,000 miles or over 10 years old
As Low As; Auto loan; Used vehicles less than 10 years old and between 30,001 and 99,999 miles
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
Vehicle Year: 2020-2026; APR* Range: 6.24% - 18.00%; Down payment may be required
Score: 640 - 679; Grade of Paper: B; Secured Advances
Isle Of Palms, SC Auto Loan Rate Trends
Compare local Isle Of Palms, SC auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
South Carolina new auto rates rose 0.136 points over the past 7 days to 5.252% APR.
South Carolina used auto rates rose 0.085 points over the past 7 days to 5.823% APR.
Isle Of Palms, SC Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current South Carolina figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average South Carolina APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.25% APR SC average | Used Auto @ 5.82% APR SC average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.80/mo | $288.76/mo | $3.95/mo |
| $25,000 | $474.67/mo | $481.27/mo | $6.59/mo |
| $35,000 | $664.54/mo | $673.77/mo | $9.23/mo |
| $45,000 | $854.41/mo | $866.28/mo | $11.86/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 Isle Of Palms, South Carolina
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Isle Of Palms, South Carolina locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in South Carolina. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Isle Of Palms, 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: Isle Of Palms, South Carolina CD rates lock in a guaranteed return until you’re ready to buy
South Carolina Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $570 monthly car payment works out to roughly 16.5% of the median individual income in South Carolina. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Isle Of Palms, South Carolina, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Isle Of Palms, South Carolina. We’ve prefilled the APR with today’s SC new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Isle Of Palms, 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 Isle Of Palms, 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 Isle Of Palms, South Carolina. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in SC.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in Isle Of Palms, South Carolina
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Isle Of Palms, South Carolina
How does my credit score affect my car loan rate in South Carolina?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Isle Of Palms, South Carolina?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Isle Of Palms, South Carolina?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Isle Of Palms, South Carolina?
- Tru Federal Credit Union: 3.50% (New Vehicle Loan)
- Market USA Federal Credit Union: 3.74% (New Auto Loan)
- South Carolina State Federal Credit Union: 3.95% (Vehicle Loans)
- State Department Federal Credit Union: 3.99% (New Auto)
- Palmetto Citizens Federal Credit Union: 3.99% (New & Used Automobile or Truck (2023-New))
Isle Of Palms, South Carolina Rates & Resources
