Enterprise Car Sales

Loan Types

Whether you need an auto loan, personal loan, credit card, home equity loan or mortgage, Palmetto Citizens can help. We take a different approach than the one-size-fits-all strategy of some banks.

Our streamlined consumer loan application process is quick and easy so you only have to fill out one simple initial agreement.1 Then you can request an advance or open an additional loan in the future without visiting a service center.

View our current rates, apply online or check out our additional coverage and insurance options available with your loan.

Vehicle Loans - We offer a variety of affordable rates and convenient terms on new and used vehicle loans. In addition, we offer used car loans at new car rates - you can finance a new or almost new vehicle (current year to 3 year old models) at the same low rate and extended term. For current rates and terms, click here. We can finance over 100% of the retail or purchase price of your vehicle (3-year-old to new models). Financing is also available on boats, recreational vehicles and motorcycles.

Mortgage Services - Our enhanced mortgage services offer a variety of solutions to meet all of your needs. Whether you are planning on purchasing a new home, refinancing to lower your rate and payments, making improvements or considering a lot purchase, check us out first. Contact our Mortgage Department by calling (803) 376-5016 or send us an email.

  • First Mortgage - We offer Conventional FHA, VA and a variety of other fixed and adjustable rate options.
  • Second Mortgage - Terms on this fixed rate loan may be extended up to 15 years.
  • Lot Loans - Terms on this fixed rate loan may be extended up to 15 years.

Equity Loans - Use the equity you have built in your home to help with remodeling projects, consolidating high-interest debt and more. With an equity loan, you will get a great low rate and potentially deduct the interest from your taxes.2

  • Home Equity Line of Credit – Our HELOC offers easy access, flexible terms, and adjustable rates.
  • Visa® Equity – You will enjoy the same benefits of a Visa credit card, including earning ScoreCard® Rewards, plus a unique mortgage option. Your line of credit is secured by your home. There is no property appraisal or annual fee.
  • Auto, Boat & RV Equity – We also offer equity loans secured by your vehicle and the mortgage on your home.

Visa® Credit Cards - We know you get several credit card offers everyday. These companies operate from all over the world and view you as an account number and balance. At Palmetto Citizens, we value your membership and offer Visa credit cards with the same access, flexibility and online security of any other Visa. Our Visa also offers these great benefits:

Overdraft Protection - This is a fixed rate line of credit attached to your checking account. It protects you from NSF (non-sufficient funds) charges and the embarrassment of return checks should you inadvertently overdraw your account.

You may use this loan to make purchases or payments using your debit card or by writing a check. The amount needed to cover your transaction is automatically added onto your loan up to your approved credit limit. Payments are calculated on the loan balance and are conveniently deducted from your checking account automatically.

Savings Secured Loans - This secured loan gives you an opportunity to build your credit while earning dividends. It is a great option to establish credit for the first time or improve your credit history. The loan is secured against money deposited in your savings account and the loan’s activity is reported to the credit bureaus who determine your credit score. As you repay the loan, you gain access to your secured funds. Only the unpaid loan balance will remain “restricted.”

1Does not apply to mortgages or home equity loan applications. 2Consult your tax advisor.