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Sycamore, South Carolina Best Auto Loan Rates - August 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Sycamore, South Carolina. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: August 28, 2026

Current auto loan rates in Sycamore, South Carolina include Market USA Federal Credit UnionMarket USA Federal Credit UnionA5.0 ★Texas Ratio: 5.99% offering New Auto Loan at 3.49%, Greenwood Municipal Federal Credit UnionGreenwood Municipal Federal Credit UnionA+5.0 ★Texas Ratio: 1.69% offering New Vehicle Loan at 3.50%, Greenville Federal Credit UnionGreenville Federal Credit UnionA+5.0 ★Texas Ratio: 4.42% offering New Vehicle Loan at 3.74%, South Carolina State Federal Credit UnionSouth Carolina State Federal Credit UnionA+5.0 ★Texas Ratio: 3.08% offering Vehicle Loans at 3.95%, Truliant Federal Credit UnionTruliant Federal Credit UnionA5.0 ★Texas Ratio: 6.68% offering New Auto Loan at 3.99%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.

Sycamore borrowers have access to 31 lenders serving the South Carolina area, with auto loan rates as low as 3.49% APR from Market USA Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Sycamore, South Carolina. Auto Loan Rates Last Updated and Verified: August 28, 2026

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

Jump to: All Auto Loans · New Auto · Used Auto

Sycamore Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New Auto Loan
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New Auto Loan 36 Months
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
Used Auto Loan
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
Used Auto Loan 36 Months
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As

Greenwood Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
New Vehicle Loan
3.50%
Up to 120 months
View
▼
APR3.50%
TermUp to 120 months
Last UpdatedAug 28, 2026
Details

Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New Vehicle Loan
3.74%
36 months or less
View
▼
APR3.74%
Term36 months or less
Last UpdatedAug 28, 2026
Details

as low as

South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
Vehicle Loans
3.95%
72 months
View
▼
APR3.95%
Term72 months
Last UpdatedAug 28, 2026
Details

Max term of 96 months

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
New Auto Loan
3.99%
60 months
View
▼
APR3.99%
Term60 months
Last UpdatedAug 28, 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: 4.30%
New Auto
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
New & Used Automobile or Truck (2023-New)
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2026-2022 Vehicles with less than 50,000 miles and below 125% LTV - 60 Month Financing
3.99%
60 Month
View
▼
APR3.99%
Term60 Month
Last UpdatedAug 28, 2026
Details

As Low As

Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2026-2022 Vehicles with less than 50,000 miles and below 125% LTV - Up to 48 Month Financing
3.99%
Up to 48 Month
View
▼
APR3.99%
TermUp to 48 Month
Last UpdatedAug 28, 2026
Details

As Low As

Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
New Auto Loans
3.99%
Up to 84 months
View
▼
APR3.99%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details

Depending on Age

Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
Vehicles Loan
3.99%
Up to 84 months, Depending on Age
View
▼
APR3.99%
TermUp to 84 months, Depending on Age
Last UpdatedAug 28, 2026
Details

As Low As

Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New Vehicle Loan
3.99%
48 months or less
View
▼
APR3.99%
Term48 months or less
Last UpdatedAug 28, 2026
Details

as low as

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.28%
New Autos
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.62%
Auto Loans
3.99%
0 - 48 months
View
▼
APR3.99%
Term0 - 48 months
Last UpdatedAug 28, 2026
Details

AS LOW AS; Rates as of 08/01/2026

Palmetto Health Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New or Used Car/Truck/Van Loan
3.99%
Up to 84 Months
View
▼
APR3.99%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 730+ A+ Loan
4.00%
24 Mo.
View
▼
APR4.00%
Term24 Mo.
Last UpdatedAug 28, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Auto
4.00%
Up to 36 months
View
▼
APR4.00%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto
4.24%
37 to 48 Months
View
▼
APR4.24%
Term37 to 48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
New Autos
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

As low as

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 730+ A+ Loan
4.25%
48 Mo.
View
▼
APR4.25%
Term48 Mo.
Last UpdatedAug 28, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

As Low As; Fixed Rate

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

As Low As; Fixed Rate

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto
4.49%
49 to 60 Months
View
▼
APR4.49%
Term49 to 60 Months
Last UpdatedAug 28, 2026
Details

As Low As

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2024 & Older)
4.49%
Up to 36 Months
View
▼
APR4.49%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

As Low As

Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2026-2022 Vehicles with less than 50,000 miles and below 125% LTV - 72 Month Financing
4.49%
72 Month
View
▼
APR4.49%
Term72 Month
Last UpdatedAug 28, 2026
Details

As Low As

SAFE Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
2024 and Newer Auto Loan
4.49%
12-36 months
View
▼
APR4.49%
Term12-36 months
Last UpdatedAug 28, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
New Autos
4.49%
37 - 48 Months
View
▼
APR4.49%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

As low as

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 48 Months
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedAug 28, 2026
Details

As low as

Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New and Used Auto Loans
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

As Low As*

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.28%
New Autos
4.49%
37 - 60 months
View
▼
APR4.49%
Term37 - 60 months
Last UpdatedAug 28, 2026
Details

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.28%
Used Autos
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 680 - 729 A Loan
4.50%
24 Mo.
View
▼
APR4.50%
Term24 Mo.
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 730+ A+ Loan
4.50%
60 Mo.
View
▼
APR4.50%
Term60 Mo.
Last UpdatedAug 28, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
4.50%
37 - 48 Months
View
▼
APR4.50%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

As Low As; Fixed Rate

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
4.50%
37 - 48 Months
View
▼
APR4.50%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

As Low As; Fixed Rate

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New Auto Loans
4.50%
12-36 Months
View
▼
APR4.50%
Term12-36 Months
Last UpdatedAug 28, 2026
Details

As Low As; *

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New Vehicles Loan
4.50%
up to 48 months
View
▼
APR4.50%
Termup to 48 months
Last UpdatedAug 28, 2026
Details

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.28%
New Autos
4.69%
61 - 72 months
View
▼
APR4.69%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.28%
Used Autos
4.69%
37 - 60 months
View
▼
APR4.69%
Term37 - 60 months
Last UpdatedAug 28, 2026
Details

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2024 & Older)
4.74%
37 to 48 Months
View
▼
APR4.74%
Term37 to 48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New Auto Loan 48 Months
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New Auto Loan 60 Months
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
Used Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
Used Auto Loan 48 Months
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
Used Auto Loan 60 Months
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
New Autos
4.74%
49 - 60 Months
View
▼
APR4.74%
Term49 - 60 Months
Last UpdatedAug 28, 2026
Details

As low as

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New or Used Auto Loans
4.74%
Up to 63 months
View
▼
APR4.74%
TermUp to 63 months
Last UpdatedAug 28, 2026
Details

As Low As

Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New and Used Auto Loans
4.74%
37 - 48 months
View
▼
APR4.74%
Term37 - 48 months
Last UpdatedAug 28, 2026
Details

As Low As*

SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
New Vehicle (2024 or Newer) Loan
4.74%
Up to 36 Months
View
▼
APR4.74%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

As low as; *

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 680 - 729 A Loan
4.75%
48 Mo.
View
▼
APR4.75%
Term48 Mo.
Last UpdatedAug 28, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Auto
4.75%
Up to 36 months
View
▼
APR4.75%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New or Used Auto Loans
4.84%
64 - 75 months
View
▼
APR4.84%
Term64 - 75 months
Last UpdatedAug 28, 2026
Details

As Low As

Empeople Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
72 Month New Auto Loans
4.84%
72 Month
View
▼
APR4.84%
Term72 Month
Last UpdatedAug 28, 2026
Details

Qualifications Required: Over $1,500 in direct deposit into a checking account within the last 30 days; 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:
A-4.9 ★ Texas Ratio: 14.28%
Used Autos
4.89%
61 - 72 months
View
▼
APR4.89%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
New cars, trucks and vans Loan
4.90%
Varies
View
▼
APR4.90%
TermVaries
Last UpdatedAug 28, 2026
Details

As low as

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
New Cars, Trucks, and Vans Loan
4.90%
Varies
View
▼
APR4.90%
TermVaries
Last UpdatedAug 28, 2026
Details

As low as; Fixed

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
4.95%
49 - 60 Months
View
▼
APR4.95%
Term49 - 60 Months
Last UpdatedAug 28, 2026
Details

As Low As; Fixed Rate

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
4.95%
49 - 60 Months
View
▼
APR4.95%
Term49 - 60 Months
Last UpdatedAug 28, 2026
Details

As Low As; Fixed Rate

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loan
4.95%
24 Months
View
▼
APR4.95%
Term24 Months
Last UpdatedAug 28, 2026
Details

Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
4.95%
24 Months
View
▼
APR4.95%
Term24 Months
Last UpdatedAug 28, 2026
Details

Annual Percentage Rate (APR) as low as

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New or Used Auto Loans
4.95%
24-84 months
View
▼
APR4.95%
Term24-84 months
Last UpdatedAug 28, 2026
Details

Rates effective as of May 4, 2026. Subject to change. 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. As Low As; No Payment for 90 Days

South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto or Truck
4.95%
up to 60 months
View
▼
APR4.95%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

As Low As; *

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto
4.99%
61 to 72 Months
View
▼
APR4.99%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details

As Low As

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2024 & Older)
4.99%
49 to 60 Months
View
▼
APR4.99%
Term49 to 60 Months
Last UpdatedAug 28, 2026
Details

As Low As

Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2026-2022 Vehicles with less than 50,000 miles and below 125% LTV - 84 Month Financing
4.99%
84 Month
View
▼
APR4.99%
Term84 Month
Last UpdatedAug 28, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
New Autos
4.99%
61 - 72 Months
View
▼
APR4.99%
Term61 - 72 Months
Last UpdatedAug 28, 2026
Details

As low as

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 66 Months
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedAug 28, 2026
Details

As low as

Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New Vehicle Loan
4.99%
72 months or less
View
▼
APR4.99%
Term72 months or less
Last UpdatedAug 28, 2026
Details

as low as

Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Vehicle Loan
4.99%
48 months or less
View
▼
APR4.99%
Term48 months or less
Last UpdatedAug 28, 2026
Details

as low as

Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Vehicle Loan
4.99%
48 months or less
View
▼
APR4.99%
Term48 months or less
Last UpdatedAug 28, 2026
Details

as low as

Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New and Used Auto Loans
4.99%
49 - 60 months
View
▼
APR4.99%
Term49 - 60 months
Last UpdatedAug 28, 2026
Details

As Low As*

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New Vehicles Loan
4.99%
up to 60 months
View
▼
APR4.99%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Vehicles 2020-2026 Loan
4.99%
up to 48 months
View
▼
APR4.99%
Termup to 48 months
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 730+ A+ Loan
5.00%
72 Mo.
View
▼
APR5.00%
Term72 Mo.
Last UpdatedAug 28, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New Auto Loans
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedAug 28, 2026
Details

As Low As; *

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
New Auto Loans
5.14%
36 - 63 Months
View
▼
APR5.14%
Term36 - 63 Months
Last UpdatedAug 28, 2026
Details

Model Year: 2025 - Newer

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New or Used Auto Loans
5.14%
76 - 84 months
View
▼
APR5.14%
Term76 - 84 months
Last UpdatedAug 28, 2026
Details

As Low As

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2024 & Older)
5.24%
61 to 72 Months
View
▼
APR5.24%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New Auto Loan
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New Auto Loan 72 Months
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
Used Auto Loan
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
Used Auto Loan 72 Months
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As

SAFE Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
2024 and Newer Auto Loan
5.24%
37-60 months
View
▼
APR5.24%
Term37-60 months
Last UpdatedAug 28, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
New Autos
5.24%
Over 73 Months
View
▼
APR5.24%
TermOver 73 Months
Last UpdatedAug 28, 2026
Details

As low as

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Used Autos
5.24%
Up to 36 Months
View
▼
APR5.24%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

As low as

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
Used Automobiles (2021 - 2024)
5.24%
66 Months
View
▼
APR5.24%
Term66 Months
Last UpdatedAug 28, 2026
Details

As Low As

Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Vehicle Loan
5.24%
60 months or less
View
▼
APR5.24%
Term60 months or less
Last UpdatedAug 28, 2026
Details

as low as

Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Vehicle Loan
5.24%
60 months or less
View
▼
APR5.24%
Term60 months or less
Last UpdatedAug 28, 2026
Details

as low as

Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New and Used Auto Loans
5.24%
61 - 72 months
View
▼
APR5.24%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

As Low As*

SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
New Vehicle (2024 or Newer) Loan
5.24%
61-72 Months
View
▼
APR5.24%
Term61-72 Months
Last UpdatedAug 28, 2026
Details

As low as; *

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New Vehicles Loan
5.24%
up to 72 months
View
▼
APR5.24%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 680 - 729 A Loan
5.25%
72 Mo.
View
▼
APR5.25%
Term72 Mo.
Last UpdatedAug 28, 2026
Details

South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
Used Auto or Truck
5.25%
up to 60 months
View
▼
APR5.25%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedAug 28, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedAug 28, 2026
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Used cars, trucks and vans Loan
5.35%
Varies
View
▼
APR5.35%
TermVaries
Last UpdatedAug 28, 2026
Details

As low as

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
Used Auto Loan
5.39%
60 months
View
▼
APR5.39%
Term60 months
Last UpdatedAug 28, 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:
A-4.9 ★ Texas Ratio: 14.28%
New Autos
5.39%
73-84 months
View
▼
APR5.39%
Term73-84 months
Last UpdatedAug 28, 2026
Details

Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2021-2016 Vehicles with 50,001 to 130,000 miles - Up to 72 Months Financing
5.49%
Up to 72 Months
View
▼
APR5.49%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details

Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2021-2016 Vehicles with 50,001 to 130,000 miles Loan
5.49%
Up to 72 Months
View
▼
APR5.49%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details

As Low As; Financing

Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2026-2022 Vehicles with less than 50,000 miles < 125% LTV Loan
5.49%
Up to 72 Months Financing
View
▼
APR5.49%
TermUp to 72 Months Financing
Last UpdatedAug 28, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Used Autos
5.49%
37 - 48 Months
View
▼
APR5.49%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

As low as

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 75 Months
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedAug 28, 2026
Details

As low as

Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New Vehicle Loan
5.49%
84 months or less
View
▼
APR5.49%
Term84 months or less
Last UpdatedAug 28, 2026
Details

as low as

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New Vehicles Loan
5.49%
up to 84 months
View
▼
APR5.49%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
New & Used Automobile or Truck (2023-New)
5.50%
37-48 months
View
▼
APR5.50%
Term37-48 months
Last UpdatedAug 28, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Auto Loan
5.50%
3 years
View
▼
APR5.50%
Term3 years
Last UpdatedAug 28, 2026
Details

As Low As; 4.50%

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 730+ A+ Loan
5.50%
84 Mo.
View
▼
APR5.50%
Term84 Mo.
Last UpdatedAug 28, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
Used Auto Loans
5.50%
12-36 Months
View
▼
APR5.50%
Term12-36 Months
Last UpdatedAug 28, 2026
Details

As Low As*

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Auto
5.50%
61-75 months
View
▼
APR5.50%
Term61-75 months
Last UpdatedAug 28, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Auto
5.50%
61-75 months
View
▼
APR5.50%
Term61-75 months
Last UpdatedAug 28, 2026
Details

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
New Auto Loans
5.54%
64 - 75 Months
View
▼
APR5.54%
Term64 - 75 Months
Last UpdatedAug 28, 2026
Details

Model Year: 2025 - Newer

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
New & Used Automobile or Truck (2023-New)
5.55%
49-60 months
View
▼
APR5.55%
Term49-60 months
Last UpdatedAug 28, 2026
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
New & Used Automobile or Truck (2023-New)
5.60%
61-72 months
View
▼
APR5.60%
Term61-72 months
Last UpdatedAug 28, 2026
Details

($15,000+)

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
Used Auto Loan
5.64%
36 - 63 Months
View
▼
APR5.64%
Term36 - 63 Months
Last UpdatedAug 28, 2026
Details

Model Year: 2019 - 2024

South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto or Truck
5.70%
72 months
View
▼
APR5.70%
Term72 months
Last UpdatedAug 28, 2026
Details

As Low As; *

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
New Auto Loans
5.74%
76 - 84 Months
View
▼
APR5.74%
Term76 - 84 Months
Last UpdatedAug 28, 2026
Details

Model Year: 2025 - Newer

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto
5.74%
73 to 84 Months
View
▼
APR5.74%
Term73 to 84 Months
Last UpdatedAug 28, 2026
Details

As Low As; ($25,000)

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2024 & Older)
5.74%
73 to 84 Months
View
▼
APR5.74%
Term73 to 84 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New Auto Loan
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New Auto Loan 84 Months
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
Used Auto Loan
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
Used Auto Loan 84 Months
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedAug 28, 2026
Details

As Low As

SAFE Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
2024 and Newer Auto Loan
5.74%
61-75 months
View
▼
APR5.74%
Term61-75 months
Last UpdatedAug 28, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Used Autos
5.74%
49 - 60 Months
View
▼
APR5.74%
Term49 - 60 Months
Last UpdatedAug 28, 2026
Details

As low as

Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Vehicle Loan
5.74%
72 months or less
View
▼
APR5.74%
Term72 months or less
Last UpdatedAug 28, 2026
Details

as low as

Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Vehicle Loan
5.74%
72 months or less
View
▼
APR5.74%
Term72 months or less
Last UpdatedAug 28, 2026
Details

as low as

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Vehicles 2020-2026 Loan
5.74%
up to 60 months
View
▼
APR5.74%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Auto Loan
5.75%
5 years
View
▼
APR5.75%
Term5 years
Last UpdatedAug 28, 2026
Details

As Low As; 4.75%

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Auto Loans
5.75%
3 years
View
▼
APR5.75%
Term3 years
Last UpdatedAug 28, 2026
Details

As Low As; 4.75%

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 680 - 729 A Loan
5.75%
84 Mo.
View
▼
APR5.75%
Term84 Mo.
Last UpdatedAug 28, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
5.75%
61 - 72 Months
View
▼
APR5.75%
Term61 - 72 Months
Last UpdatedAug 28, 2026
Details

As Low As; Fixed Rate

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
5.75%
61 - 72 Months
View
▼
APR5.75%
Term61 - 72 Months
Last UpdatedAug 28, 2026
Details

As Low As; Fixed Rate

South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
Used Auto or Truck
5.75%
up to 60 months
View
▼
APR5.75%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

As Low As; *

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
Used Auto Loan
5.79%
64 - 75 Months
View
▼
APR5.79%
Term64 - 75 Months
Last UpdatedAug 28, 2026
Details

Model Year: 2019 - 2024

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New car purchase Loan
5.94%
60 months
View
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New car rate Loan
5.94%
60 months
View
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loan
5.95%
48 Months
View
▼
APR5.95%
Term48 Months
Last UpdatedAug 28, 2026
Details

Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
5.95%
48 Months
View
▼
APR5.95%
Term48 Months
Last UpdatedAug 28, 2026
Details

Annual Percentage Rate (APR) as low as

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
Used car purchase Loan
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
Used car rate Loan
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.

SAFE Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
2024 and Newer Auto Loan
5.99%
76-84 months
View
▼
APR5.99%
Term76-84 months
Last UpdatedAug 28, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Used Autos
5.99%
61 - 72 Months
View
▼
APR5.99%
Term61 - 72 Months
Last UpdatedAug 28, 2026
Details

As low as

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 84 Months
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedAug 28, 2026
Details

As low as

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.28%
Used Autos
5.99%
73-84 months
View
▼
APR5.99%
Term73-84 months
Last UpdatedAug 28, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Auto Loan
6.00%
6 years
View
▼
APR6.00%
Term6 years
Last UpdatedAug 28, 2026
Details

As Low As; 5.00%

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Auto Loans
6.00%
5 years
View
▼
APR6.00%
Term5 years
Last UpdatedAug 28, 2026
Details

As Low As; 5.00%

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New Auto Loans
6.00%
60 Months
View
▼
APR6.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As; *

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Vehicles Older-2019 Loan
6.00%
up to 48 months
View
▼
APR6.00%
Termup to 48 months
Last UpdatedAug 28, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
Used Automobiles (2021 - 2024)
6.04%
75 Months
View
▼
APR6.04%
Term75 Months
Last UpdatedAug 28, 2026
Details

As Low As

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loan
6.20%
60 Months
View
▼
APR6.20%
Term60 Months
Last UpdatedAug 28, 2026
Details

Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
6.20%
60 Months
View
▼
APR6.20%
Term60 Months
Last UpdatedAug 28, 2026
Details

Annual Percentage Rate (APR) as low as

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
Used Auto Loan
6.24%
76 - 84 Months
View
▼
APR6.24%
Term76 - 84 Months
Last UpdatedAug 28, 2026
Details

Model Year: 2019 - 2024

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
High Mileage Used Autos
6.24%
Up to 36 Months
View
▼
APR6.24%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

As low as

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Used Autos
6.24%
Over 73 Months
View
▼
APR6.24%
TermOver 73 Months
Last UpdatedAug 28, 2026
Details

As low as

Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New and Used Auto Loans
6.24%
73 - 84 months
View
▼
APR6.24%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details

As Low As*

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Vehicles 2020-2026 Loan
6.24%
up to 72 months
View
▼
APR6.24%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Auto Loan
6.25%
7 years
View
▼
APR6.25%
Term7 years
Last UpdatedAug 28, 2026
Details

As Low As; 5.25%

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Auto Loans
6.25%
6 years
View
▼
APR6.25%
Term6 years
Last UpdatedAug 28, 2026
Details

As Low As; 5.25%

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 640 - 679 B Loan
6.25%
24 Mo.
View
▼
APR6.25%
Term24 Mo.
Last UpdatedAug 28, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
6.25%
73 - 84 Months
View
▼
APR6.25%
Term73 - 84 Months
Last UpdatedAug 28, 2026
Details

As Low As; Fixed Rate

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
6.25%
73 - 84 Months
View
▼
APR6.25%
Term73 - 84 Months
Last UpdatedAug 28, 2026
Details

As Low As; Fixed Rate

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
Used Auto Loans
6.25%
48 Months
View
▼
APR6.25%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As*

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Vehicles Older-2019 Loan
6.25%
up to 60 months
View
▼
APR6.25%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Auto
6.25%
76-84 months
View
▼
APR6.25%
Term76-84 months
Last UpdatedAug 28, 2026
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
Used Automobile or Truck
6.44%
up to 48 Months
View
▼
APR6.44%
Termup to 48 Months
Last UpdatedAug 28, 2026
Details

As Low As; (4-5 years old)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
Used Automobile or Truck (4-5 years old)
6.44%
up to 48 Months
View
▼
APR6.44%
Termup to 48 Months
Last UpdatedAug 28, 2026
Details

SAFE Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
2021-2023 Auto Loan
6.49%
60 months
View
▼
APR6.49%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
High Mileage Used Autos
6.49%
37 - 48 Months
View
▼
APR6.49%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

As low as

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 96 Months
6.49%
96 Months
View
▼
APR6.49%
Term96 Months
Last UpdatedAug 28, 2026
Details

As low as

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Car Loan
6.50%
up to 84 months
View
▼
APR6.50%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 640 - 679 B Loan
6.50%
48 Mo.
View
▼
APR6.50%
Term48 Mo.
Last UpdatedAug 28, 2026
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Car Loan
6.50%
up to 84 months
View
▼
APR6.50%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Auto
6.50%
76-84 months (2023 or Newer)
View
▼
APR6.50%
Term76-84 months (2023 or Newer)
Last UpdatedAug 28, 2026
Details

SAFE Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
2018-2020 Auto Loan
6.74%
60 months
View
▼
APR6.74%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As

SAFE Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
2021-2023 Auto Loan
6.74%
61-75 months
View
▼
APR6.74%
Term61-75 months
Last UpdatedAug 28, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
High Mileage Used Autos
6.74%
49 - 60 Months
View
▼
APR6.74%
Term49 - 60 Months
Last UpdatedAug 28, 2026
Details

As low as

SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
New Vehicle (2024 or Newer) Loan
6.74%
73-84 Months
View
▼
APR6.74%
Term73-84 Months
Last UpdatedAug 28, 2026
Details

As low as; *

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 640 - 679 B Loan
6.75%
60 Mo.
View
▼
APR6.75%
Term60 Mo.
Last UpdatedAug 28, 2026
Details

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Vehicles Older-2019 Loan
6.75%
up to 72 months
View
▼
APR6.75%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
Used Automobiles (2021 - 2024)
6.84%
84 Months
View
▼
APR6.84%
Term84 Months
Last UpdatedAug 28, 2026
Details

As Low As

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loan
6.95%
72 Months
View
▼
APR6.95%
Term72 Months
Last UpdatedAug 28, 2026
Details

Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
6.95%
72 Months
View
▼
APR6.95%
Term72 Months
Last UpdatedAug 28, 2026
Details

Annual Percentage Rate (APR) as low as

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
New Auto Loans
6.99%
85 - 96 Months
View
▼
APR6.99%
Term85 - 96 Months
Last UpdatedAug 28, 2026
Details

Model Year: 2025 - Newer

SAFE Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
2021-2023 Auto Loan
6.99%
76-84 months
View
▼
APR6.99%
Term76-84 months
Last UpdatedAug 28, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
High Mileage Used Autos
6.99%
61 - 72 Months
View
▼
APR6.99%
Term61 - 72 Months
Last UpdatedAug 28, 2026
Details

As low as

Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Vehicle Loan
6.99%
84 months or less
View
▼
APR6.99%
Term84 months or less
Last UpdatedAug 28, 2026
Details

as low as

Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Vehicle Loan
6.99%
84 months or less
View
▼
APR6.99%
Term84 months or less
Last UpdatedAug 28, 2026
Details

as low as

SAFE Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
Vehicle Loan (2021-2023)
7.00%
72 months
View
▼
APR7.00%
Term72 months
Last UpdatedAug 28, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
Extended Age and Mileage Used Auto Loans
7.00%
12-48 Months
View
▼
APR7.00%
Term12-48 Months
Last UpdatedAug 28, 2026
Details

As Low As;*

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New Auto Loans
7.00%
72 Months
View
▼
APR7.00%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As; *

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
High Mileage Used Autos
7.24%
Over 73 Months
View
▼
APR7.24%
TermOver 73 Months
Last UpdatedAug 28, 2026
Details

As low as

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Vehicles 2020-2026 Loan
7.24%
up to 84 months
View
▼
APR7.24%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Used Car - less than 100,000 Miles Loan
7.25%
up to 84 months
View
▼
APR7.25%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 640 - 679 B Loan
7.25%
72 Mo.
View
▼
APR7.25%
Term72 Mo.
Last UpdatedAug 28, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
Used Auto Loans
7.25%
60 Months
View
▼
APR7.25%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As*

Sycamore New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New Auto Loan
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New Auto Loan 36 Months
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As

Greenwood Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
New Vehicle Loan
3.50%
Up to 120 months
View
▼
APR3.50%
TermUp to 120 months
Last UpdatedAug 28, 2026
Details

Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New Vehicle Loan
3.74%
36 months or less
View
▼
APR3.74%
Term36 months or less
Last UpdatedAug 28, 2026
Details

as low as

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
New Auto Loan
3.99%
60 months
View
▼
APR3.99%
Term60 months
Last UpdatedAug 28, 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: 4.30%
New Auto
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
New & Used Automobile or Truck (2023-New)
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
New Auto Loans
3.99%
Up to 84 months
View
▼
APR3.99%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details

Depending on Age

Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New Vehicle Loan
3.99%
48 months or less
View
▼
APR3.99%
Term48 months or less
Last UpdatedAug 28, 2026
Details

as low as

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.28%
New Autos
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

Palmetto Health Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New or Used Car/Truck/Van Loan
3.99%
Up to 84 Months
View
▼
APR3.99%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 730+ A+ Loan
4.00%
24 Mo.
View
▼
APR4.00%
Term24 Mo.
Last UpdatedAug 28, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Auto
4.00%
Up to 36 months
View
▼
APR4.00%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto
4.24%
37 to 48 Months
View
▼
APR4.24%
Term37 to 48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
New Autos
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

As low as

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 730+ A+ Loan
4.25%
48 Mo.
View
▼
APR4.25%
Term48 Mo.
Last UpdatedAug 28, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

As Low As; Fixed Rate

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto
4.49%
49 to 60 Months
View
▼
APR4.49%
Term49 to 60 Months
Last UpdatedAug 28, 2026
Details

As Low As

SAFE Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
2024 and Newer Auto Loan
4.49%
12-36 months
View
▼
APR4.49%
Term12-36 months
Last UpdatedAug 28, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
New Autos
4.49%
37 - 48 Months
View
▼
APR4.49%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

As low as

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 48 Months
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedAug 28, 2026
Details

As low as

Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New and Used Auto Loans
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

As Low As*

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.28%
New Autos
4.49%
37 - 60 months
View
▼
APR4.49%
Term37 - 60 months
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 680 - 729 A Loan
4.50%
24 Mo.
View
▼
APR4.50%
Term24 Mo.
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 730+ A+ Loan
4.50%
60 Mo.
View
▼
APR4.50%
Term60 Mo.
Last UpdatedAug 28, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
4.50%
37 - 48 Months
View
▼
APR4.50%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

As Low As; Fixed Rate

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New Auto Loans
4.50%
12-36 Months
View
▼
APR4.50%
Term12-36 Months
Last UpdatedAug 28, 2026
Details

As Low As; *

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New Vehicles Loan
4.50%
up to 48 months
View
▼
APR4.50%
Termup to 48 months
Last UpdatedAug 28, 2026
Details

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.28%
New Autos
4.69%
61 - 72 months
View
▼
APR4.69%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New Auto Loan 48 Months
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New Auto Loan 60 Months
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
New Autos
4.74%
49 - 60 Months
View
▼
APR4.74%
Term49 - 60 Months
Last UpdatedAug 28, 2026
Details

As low as

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New or Used Auto Loans
4.74%
Up to 63 months
View
▼
APR4.74%
TermUp to 63 months
Last UpdatedAug 28, 2026
Details

As Low As

Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New and Used Auto Loans
4.74%
37 - 48 months
View
▼
APR4.74%
Term37 - 48 months
Last UpdatedAug 28, 2026
Details

As Low As*

SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
New Vehicle (2024 or Newer) Loan
4.74%
Up to 36 Months
View
▼
APR4.74%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

As low as; *

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 680 - 729 A Loan
4.75%
48 Mo.
View
▼
APR4.75%
Term48 Mo.
Last UpdatedAug 28, 2026
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New or Used Auto Loans
4.84%
64 - 75 months
View
▼
APR4.84%
Term64 - 75 months
Last UpdatedAug 28, 2026
Details

As Low As

Empeople Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
72 Month New Auto Loans
4.84%
72 Month
View
▼
APR4.84%
Term72 Month
Last UpdatedAug 28, 2026
Details

Qualifications Required: Over $1,500 in direct deposit into a checking account within the last 30 days; 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: 2.91%
New cars, trucks and vans Loan
4.90%
Varies
View
▼
APR4.90%
TermVaries
Last UpdatedAug 28, 2026
Details

As low as

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
New Cars, Trucks, and Vans Loan
4.90%
Varies
View
▼
APR4.90%
TermVaries
Last UpdatedAug 28, 2026
Details

As low as; Fixed

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
4.95%
49 - 60 Months
View
▼
APR4.95%
Term49 - 60 Months
Last UpdatedAug 28, 2026
Details

As Low As; Fixed Rate

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
4.95%
24 Months
View
▼
APR4.95%
Term24 Months
Last UpdatedAug 28, 2026
Details

Annual Percentage Rate (APR) as low as

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New or Used Auto Loans
4.95%
24-84 months
View
▼
APR4.95%
Term24-84 months
Last UpdatedAug 28, 2026
Details

Rates effective as of May 4, 2026. Subject to change. 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. As Low As; No Payment for 90 Days

South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto or Truck
4.95%
up to 60 months
View
▼
APR4.95%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

As Low As; *

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto
4.99%
61 to 72 Months
View
▼
APR4.99%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
New Autos
4.99%
61 - 72 Months
View
▼
APR4.99%
Term61 - 72 Months
Last UpdatedAug 28, 2026
Details

As low as

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 66 Months
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedAug 28, 2026
Details

As low as

Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New Vehicle Loan
4.99%
72 months or less
View
▼
APR4.99%
Term72 months or less
Last UpdatedAug 28, 2026
Details

as low as

Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New and Used Auto Loans
4.99%
49 - 60 months
View
▼
APR4.99%
Term49 - 60 months
Last UpdatedAug 28, 2026
Details

As Low As*

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New Vehicles Loan
4.99%
up to 60 months
View
▼
APR4.99%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 730+ A+ Loan
5.00%
72 Mo.
View
▼
APR5.00%
Term72 Mo.
Last UpdatedAug 28, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New Auto Loans
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedAug 28, 2026
Details

As Low As; *

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
New Auto Loans
5.14%
36 - 63 Months
View
▼
APR5.14%
Term36 - 63 Months
Last UpdatedAug 28, 2026
Details

Model Year: 2025 - Newer

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New or Used Auto Loans
5.14%
76 - 84 months
View
▼
APR5.14%
Term76 - 84 months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New Auto Loan
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New Auto Loan 72 Months
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As

SAFE Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
2024 and Newer Auto Loan
5.24%
37-60 months
View
▼
APR5.24%
Term37-60 months
Last UpdatedAug 28, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
New Autos
5.24%
Over 73 Months
View
▼
APR5.24%
TermOver 73 Months
Last UpdatedAug 28, 2026
Details

As low as

Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New and Used Auto Loans
5.24%
61 - 72 months
View
▼
APR5.24%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

As Low As*

SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
New Vehicle (2024 or Newer) Loan
5.24%
61-72 Months
View
▼
APR5.24%
Term61-72 Months
Last UpdatedAug 28, 2026
Details

As low as; *

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New Vehicles Loan
5.24%
up to 72 months
View
▼
APR5.24%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 680 - 729 A Loan
5.25%
72 Mo.
View
▼
APR5.25%
Term72 Mo.
Last UpdatedAug 28, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedAug 28, 2026
Details

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.28%
New Autos
5.39%
73-84 months
View
▼
APR5.39%
Term73-84 months
Last UpdatedAug 28, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 75 Months
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedAug 28, 2026
Details

As low as

Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New Vehicle Loan
5.49%
84 months or less
View
▼
APR5.49%
Term84 months or less
Last UpdatedAug 28, 2026
Details

as low as

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New Vehicles Loan
5.49%
up to 84 months
View
▼
APR5.49%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
New & Used Automobile or Truck (2023-New)
5.50%
37-48 months
View
▼
APR5.50%
Term37-48 months
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 730+ A+ Loan
5.50%
84 Mo.
View
▼
APR5.50%
Term84 Mo.
Last UpdatedAug 28, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Auto
5.50%
61-75 months
View
▼
APR5.50%
Term61-75 months
Last UpdatedAug 28, 2026
Details

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
New Auto Loans
5.54%
64 - 75 Months
View
▼
APR5.54%
Term64 - 75 Months
Last UpdatedAug 28, 2026
Details

Model Year: 2025 - Newer

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
New & Used Automobile or Truck (2023-New)
5.55%
49-60 months
View
▼
APR5.55%
Term49-60 months
Last UpdatedAug 28, 2026
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
New & Used Automobile or Truck (2023-New)
5.60%
61-72 months
View
▼
APR5.60%
Term61-72 months
Last UpdatedAug 28, 2026
Details

($15,000+)

South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto or Truck
5.70%
72 months
View
▼
APR5.70%
Term72 months
Last UpdatedAug 28, 2026
Details

As Low As; *

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
New Auto Loans
5.74%
76 - 84 Months
View
▼
APR5.74%
Term76 - 84 Months
Last UpdatedAug 28, 2026
Details

Model Year: 2025 - Newer

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto
5.74%
73 to 84 Months
View
▼
APR5.74%
Term73 to 84 Months
Last UpdatedAug 28, 2026
Details

As Low As; ($25,000)

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New Auto Loan
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New Auto Loan 84 Months
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedAug 28, 2026
Details

As Low As

SAFE Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
2024 and Newer Auto Loan
5.74%
61-75 months
View
▼
APR5.74%
Term61-75 months
Last UpdatedAug 28, 2026
Details

As Low As

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 680 - 729 A Loan
5.75%
84 Mo.
View
▼
APR5.75%
Term84 Mo.
Last UpdatedAug 28, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
5.75%
61 - 72 Months
View
▼
APR5.75%
Term61 - 72 Months
Last UpdatedAug 28, 2026
Details

As Low As; Fixed Rate

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New car purchase Loan
5.94%
60 months
View
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New car rate Loan
5.94%
60 months
View
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
5.95%
48 Months
View
▼
APR5.95%
Term48 Months
Last UpdatedAug 28, 2026
Details

Annual Percentage Rate (APR) as low as

SAFE Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
2024 and Newer Auto Loan
5.99%
76-84 months
View
▼
APR5.99%
Term76-84 months
Last UpdatedAug 28, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 84 Months
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedAug 28, 2026
Details

As low as

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New Auto Loans
6.00%
60 Months
View
▼
APR6.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As; *

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
6.20%
60 Months
View
▼
APR6.20%
Term60 Months
Last UpdatedAug 28, 2026
Details

Annual Percentage Rate (APR) as low as

Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New and Used Auto Loans
6.24%
73 - 84 months
View
▼
APR6.24%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details

As Low As*

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 640 - 679 B Loan
6.25%
24 Mo.
View
▼
APR6.25%
Term24 Mo.
Last UpdatedAug 28, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
6.25%
73 - 84 Months
View
▼
APR6.25%
Term73 - 84 Months
Last UpdatedAug 28, 2026
Details

As Low As; Fixed Rate

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Auto
6.25%
76-84 months
View
▼
APR6.25%
Term76-84 months
Last UpdatedAug 28, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 96 Months
6.49%
96 Months
View
▼
APR6.49%
Term96 Months
Last UpdatedAug 28, 2026
Details

As low as

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Car Loan
6.50%
up to 84 months
View
▼
APR6.50%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 640 - 679 B Loan
6.50%
48 Mo.
View
▼
APR6.50%
Term48 Mo.
Last UpdatedAug 28, 2026
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Car Loan
6.50%
up to 84 months
View
▼
APR6.50%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
New Vehicle (2024 or Newer) Loan
6.74%
73-84 Months
View
▼
APR6.74%
Term73-84 Months
Last UpdatedAug 28, 2026
Details

As low as; *

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 640 - 679 B Loan
6.75%
60 Mo.
View
▼
APR6.75%
Term60 Mo.
Last UpdatedAug 28, 2026
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
6.95%
72 Months
View
▼
APR6.95%
Term72 Months
Last UpdatedAug 28, 2026
Details

Annual Percentage Rate (APR) as low as

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
New Auto Loans
6.99%
85 - 96 Months
View
▼
APR6.99%
Term85 - 96 Months
Last UpdatedAug 28, 2026
Details

Model Year: 2025 - Newer

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New Auto Loans
7.00%
72 Months
View
▼
APR7.00%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As; *

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 640 - 679 B Loan
7.25%
72 Mo.
View
▼
APR7.25%
Term72 Mo.
Last UpdatedAug 28, 2026
Details

Sycamore Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
Used Auto Loan
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
Used Auto Loan 36 Months
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
New & Used Automobile or Truck (2023-New)
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

Palmetto Health Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New or Used Car/Truck/Van Loan
3.99%
Up to 84 Months
View
▼
APR3.99%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 730+ A+ Loan
4.00%
24 Mo.
View
▼
APR4.00%
Term24 Mo.
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 730+ A+ Loan
4.25%
48 Mo.
View
▼
APR4.25%
Term48 Mo.
Last UpdatedAug 28, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

As Low As; Fixed Rate

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2024 & Older)
4.49%
Up to 36 Months
View
▼
APR4.49%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

As Low As

Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New and Used Auto Loans
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

As Low As*

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.28%
Used Autos
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 680 - 729 A Loan
4.50%
24 Mo.
View
▼
APR4.50%
Term24 Mo.
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 730+ A+ Loan
4.50%
60 Mo.
View
▼
APR4.50%
Term60 Mo.
Last UpdatedAug 28, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
4.50%
37 - 48 Months
View
▼
APR4.50%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

As Low As; Fixed Rate

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.28%
Used Autos
4.69%
37 - 60 months
View
▼
APR4.69%
Term37 - 60 months
Last UpdatedAug 28, 2026
Details

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2024 & Older)
4.74%
37 to 48 Months
View
▼
APR4.74%
Term37 to 48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
Used Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
Used Auto Loan 48 Months
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
Used Auto Loan 60 Months
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New or Used Auto Loans
4.74%
Up to 63 months
View
▼
APR4.74%
TermUp to 63 months
Last UpdatedAug 28, 2026
Details

As Low As

Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New and Used Auto Loans
4.74%
37 - 48 months
View
▼
APR4.74%
Term37 - 48 months
Last UpdatedAug 28, 2026
Details

As Low As*

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 680 - 729 A Loan
4.75%
48 Mo.
View
▼
APR4.75%
Term48 Mo.
Last UpdatedAug 28, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Auto
4.75%
Up to 36 months
View
▼
APR4.75%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New or Used Auto Loans
4.84%
64 - 75 months
View
▼
APR4.84%
Term64 - 75 months
Last UpdatedAug 28, 2026
Details

As Low As

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.28%
Used Autos
4.89%
61 - 72 months
View
▼
APR4.89%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
4.95%
49 - 60 Months
View
▼
APR4.95%
Term49 - 60 Months
Last UpdatedAug 28, 2026
Details

As Low As; Fixed Rate

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
4.95%
24 Months
View
▼
APR4.95%
Term24 Months
Last UpdatedAug 28, 2026
Details

Annual Percentage Rate (APR) as low as

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New or Used Auto Loans
4.95%
24-84 months
View
▼
APR4.95%
Term24-84 months
Last UpdatedAug 28, 2026
Details

Rates effective as of May 4, 2026. Subject to change. 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. As Low As; No Payment for 90 Days

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2024 & Older)
4.99%
49 to 60 Months
View
▼
APR4.99%
Term49 to 60 Months
Last UpdatedAug 28, 2026
Details

As Low As

Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New and Used Auto Loans
4.99%
49 - 60 months
View
▼
APR4.99%
Term49 - 60 months
Last UpdatedAug 28, 2026
Details

As Low As*

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Vehicles 2020-2026 Loan
4.99%
up to 48 months
View
▼
APR4.99%
Termup to 48 months
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 730+ A+ Loan
5.00%
72 Mo.
View
▼
APR5.00%
Term72 Mo.
Last UpdatedAug 28, 2026
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New or Used Auto Loans
5.14%
76 - 84 months
View
▼
APR5.14%
Term76 - 84 months
Last UpdatedAug 28, 2026
Details

As Low As

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2024 & Older)
5.24%
61 to 72 Months
View
▼
APR5.24%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
Used Auto Loan
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
Used Auto Loan 72 Months
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Used Autos
5.24%
Up to 36 Months
View
▼
APR5.24%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

As low as

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
Used Automobiles (2021 - 2024)
5.24%
66 Months
View
▼
APR5.24%
Term66 Months
Last UpdatedAug 28, 2026
Details

As Low As

Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New and Used Auto Loans
5.24%
61 - 72 months
View
▼
APR5.24%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

As Low As*

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 680 - 729 A Loan
5.25%
72 Mo.
View
▼
APR5.25%
Term72 Mo.
Last UpdatedAug 28, 2026
Details

South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
Used Auto or Truck
5.25%
up to 60 months
View
▼
APR5.25%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedAug 28, 2026
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Used cars, trucks and vans Loan
5.35%
Varies
View
▼
APR5.35%
TermVaries
Last UpdatedAug 28, 2026
Details

As low as

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
Used Auto Loan
5.39%
60 months
View
▼
APR5.39%
Term60 months
Last UpdatedAug 28, 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 Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Used Autos
5.49%
37 - 48 Months
View
▼
APR5.49%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

As low as

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
New & Used Automobile or Truck (2023-New)
5.50%
37-48 months
View
▼
APR5.50%
Term37-48 months
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 730+ A+ Loan
5.50%
84 Mo.
View
▼
APR5.50%
Term84 Mo.
Last UpdatedAug 28, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
Used Auto Loans
5.50%
12-36 Months
View
▼
APR5.50%
Term12-36 Months
Last UpdatedAug 28, 2026
Details

As Low As*

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Auto
5.50%
61-75 months
View
▼
APR5.50%
Term61-75 months
Last UpdatedAug 28, 2026
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
New & Used Automobile or Truck (2023-New)
5.55%
49-60 months
View
▼
APR5.55%
Term49-60 months
Last UpdatedAug 28, 2026
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
New & Used Automobile or Truck (2023-New)
5.60%
61-72 months
View
▼
APR5.60%
Term61-72 months
Last UpdatedAug 28, 2026
Details

($15,000+)

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
Used Auto Loan
5.64%
36 - 63 Months
View
▼
APR5.64%
Term36 - 63 Months
Last UpdatedAug 28, 2026
Details

Model Year: 2019 - 2024

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2024 & Older)
5.74%
73 to 84 Months
View
▼
APR5.74%
Term73 to 84 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
Used Auto Loan
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedAug 28, 2026
Details

As Low As

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
Used Auto Loan 84 Months
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedAug 28, 2026
Details

As Low As

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Used Autos
5.74%
49 - 60 Months
View
▼
APR5.74%
Term49 - 60 Months
Last UpdatedAug 28, 2026
Details

As low as

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Vehicles 2020-2026 Loan
5.74%
up to 60 months
View
▼
APR5.74%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 680 - 729 A Loan
5.75%
84 Mo.
View
▼
APR5.75%
Term84 Mo.
Last UpdatedAug 28, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
5.75%
61 - 72 Months
View
▼
APR5.75%
Term61 - 72 Months
Last UpdatedAug 28, 2026
Details

As Low As; Fixed Rate

South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
Used Auto or Truck
5.75%
up to 60 months
View
▼
APR5.75%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

As Low As; *

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
Used Auto Loan
5.79%
64 - 75 Months
View
▼
APR5.79%
Term64 - 75 Months
Last UpdatedAug 28, 2026
Details

Model Year: 2019 - 2024

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
5.95%
48 Months
View
▼
APR5.95%
Term48 Months
Last UpdatedAug 28, 2026
Details

Annual Percentage Rate (APR) as low as

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
Used car purchase Loan
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
Used car rate Loan
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Used Autos
5.99%
61 - 72 Months
View
▼
APR5.99%
Term61 - 72 Months
Last UpdatedAug 28, 2026
Details

As low as

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.28%
Used Autos
5.99%
73-84 months
View
▼
APR5.99%
Term73-84 months
Last UpdatedAug 28, 2026
Details

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Vehicles Older-2019 Loan
6.00%
up to 48 months
View
▼
APR6.00%
Termup to 48 months
Last UpdatedAug 28, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
Used Automobiles (2021 - 2024)
6.04%
75 Months
View
▼
APR6.04%
Term75 Months
Last UpdatedAug 28, 2026
Details

As Low As

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
6.20%
60 Months
View
▼
APR6.20%
Term60 Months
Last UpdatedAug 28, 2026
Details

Annual Percentage Rate (APR) as low as

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
Used Auto Loan
6.24%
76 - 84 Months
View
▼
APR6.24%
Term76 - 84 Months
Last UpdatedAug 28, 2026
Details

Model Year: 2019 - 2024

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
High Mileage Used Autos
6.24%
Up to 36 Months
View
▼
APR6.24%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

As low as

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Used Autos
6.24%
Over 73 Months
View
▼
APR6.24%
TermOver 73 Months
Last UpdatedAug 28, 2026
Details

As low as

Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New and Used Auto Loans
6.24%
73 - 84 months
View
▼
APR6.24%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details

As Low As*

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Vehicles 2020-2026 Loan
6.24%
up to 72 months
View
▼
APR6.24%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 640 - 679 B Loan
6.25%
24 Mo.
View
▼
APR6.25%
Term24 Mo.
Last UpdatedAug 28, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
6.25%
73 - 84 Months
View
▼
APR6.25%
Term73 - 84 Months
Last UpdatedAug 28, 2026
Details

As Low As; Fixed Rate

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
Used Auto Loans
6.25%
48 Months
View
▼
APR6.25%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As*

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Vehicles Older-2019 Loan
6.25%
up to 60 months
View
▼
APR6.25%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
Used Automobile or Truck
6.44%
up to 48 Months
View
▼
APR6.44%
Termup to 48 Months
Last UpdatedAug 28, 2026
Details

As Low As; (4-5 years old)

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
Used Automobile or Truck (4-5 years old)
6.44%
up to 48 Months
View
▼
APR6.44%
Termup to 48 Months
Last UpdatedAug 28, 2026
Details

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
High Mileage Used Autos
6.49%
37 - 48 Months
View
▼
APR6.49%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

As low as

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 640 - 679 B Loan
6.50%
48 Mo.
View
▼
APR6.50%
Term48 Mo.
Last UpdatedAug 28, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Auto
6.50%
76-84 months (2023 or Newer)
View
▼
APR6.50%
Term76-84 months (2023 or Newer)
Last UpdatedAug 28, 2026
Details

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
High Mileage Used Autos
6.74%
49 - 60 Months
View
▼
APR6.74%
Term49 - 60 Months
Last UpdatedAug 28, 2026
Details

As low as

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 640 - 679 B Loan
6.75%
60 Mo.
View
▼
APR6.75%
Term60 Mo.
Last UpdatedAug 28, 2026
Details

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Vehicles Older-2019 Loan
6.75%
up to 72 months
View
▼
APR6.75%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
Used Automobiles (2021 - 2024)
6.84%
84 Months
View
▼
APR6.84%
Term84 Months
Last UpdatedAug 28, 2026
Details

As Low As

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New & Used Vehicles Loan
6.95%
72 Months
View
▼
APR6.95%
Term72 Months
Last UpdatedAug 28, 2026
Details

Annual Percentage Rate (APR) as low as

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
High Mileage Used Autos
6.99%
61 - 72 Months
View
▼
APR6.99%
Term61 - 72 Months
Last UpdatedAug 28, 2026
Details

As low as

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
Extended Age and Mileage Used Auto Loans
7.00%
12-48 Months
View
▼
APR7.00%
Term12-48 Months
Last UpdatedAug 28, 2026
Details

As Low As;*

Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
High Mileage Used Autos
7.24%
Over 73 Months
View
▼
APR7.24%
TermOver 73 Months
Last UpdatedAug 28, 2026
Details

As low as

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Vehicles 2020-2026 Loan
7.24%
up to 84 months
View
▼
APR7.24%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Used Car - less than 100,000 Miles Loan
7.25%
up to 84 months
View
▼
APR7.25%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 640 - 679 B Loan
7.25%
72 Mo.
View
▼
APR7.25%
Term72 Mo.
Last UpdatedAug 28, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
Used Auto Loans
7.25%
60 Months
View
▼
APR7.25%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As*

Sycamore, SC Auto Loan Rate Trends

Compare local Sycamore, SC auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full South Carolina Auto Trends →
New Auto Loan — SC Avg
5.132%
▼ 0.324 vs 7 days ago

South Carolina new auto rates fell 0.324 points over the past 7 days to 5.132% APR.

Used Auto Loan — SC Avg
6.237%
▲ 0.417 vs 7 days ago

South Carolina used auto rates rose 0.417 points over the past 7 days to 6.237% APR.

As of Aug 29, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

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 @ 5.13% APR
SC average		 Used Auto @ 6.24% APR
SC average		 Monthly Difference
$15,000 $283.98/mo $291.65/mo $7.67/mo
$25,000 $473.30/mo $486.08/mo $12.78/mo
$35,000 $662.62/mo $680.51/mo $17.89/mo
$45,000 $851.94/mo $874.94/mo $23.01/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.

About Our Sycamore, South Carolina Auto Loan Rate Database

31 Local Lenders Tracked Banks & Credit Unions Updated Daily

Our Sycamore, South Carolina auto loan tables currently track 31 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.

The lowest verified auto loan APR in our Sycamore, South Carolina database right now is 3.49% APR from Market USA Federal Credit Union. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.

How to Get the Best Auto Loan Rate in Sycamore, South Carolina

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Sycamore, 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?

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)

$41,521
Median Individual Earnings
National avg: $47,340
4.8%
Unemployment Rate
National avg: 4.8%
14.1%
Poverty Rate
National avg: 11.1%
$568/mo
Payment on a $30K / 60-mo Loan
At SC new-auto avg 5.13% APR

A $568 monthly car payment works out to roughly 16.4% of the median individual income in 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 Sycamore, 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 Sycamore, 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 Sycamore, 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 Sycamore, 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 Sycamore, 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 Sycamore, 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 Sycamore, 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 Sycamore, 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 Sycamore, South Carolina?

Yes. A preapproval from a bank or credit union serving Sycamore, 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 Sycamore, 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 Sycamore, South Carolina?

Based on our current data, some of the lowest auto loan rates available in Sycamore, South Carolina include:
  • Market USA Federal Credit Union: 3.49% (New Auto Loan)
  • Greenwood Municipal Federal Credit Union: 3.50% (New Vehicle Loan)
  • Greenville Federal Credit Union: 3.74% (New Vehicle Loan)
  • South Carolina State Federal Credit Union: 3.95% (Vehicle Loans)
  • Truliant Federal Credit Union: 3.99% (New Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Sycamore, South Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: August 28, 2026

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