Vehicle Loan Rates
Select to see rates
In addition to a great low rate, you’ll also enjoy:
- No Payments for up to 90 Days*
- Same Rate on New to 3 Year Old Models
- Over 100% Financing Available on most new to 3 year old models
*Term used to calculate loan payments only. Rate may vary and is determined by your creditworthiness, amount financed and loan terms. All rates and terms are subject to change without notice. APR = Annual Percentage Rate.
Loan Program | Term | APR As low as* |
|---|---|---|
New & Used Automobile or Truck (2023-New) | Up to 36 months | 3.99% |
37-48 months | 5.50% | |
49-60 months | 5.55% | |
61-72 months ($15,000+) | 5.60% | |
73-84 months ($25,000+) | 7.29% | |
85-96 months ($40,000+) | 9.29% |
Coverage & insurance options
In addition to providing the best financing,
Palmetto Citizens offers:
Mechanical Breakdown Protection***
By adding an extended warranty to your auto loan, you could save hundreds of dollars on repairs. This coverage is available for new and used vehicles and is a better value than many extended warranties offered by the dealerships.
GAP Vehicle Insurance Coverage***
For a few dollars per month, you can add Guaranteed Asset Protection (GAP) to your loan. This will pay the difference between the amount you owe on your loan and what your insurance company will pay if your vehicle is totaled or stolen. Plus, you will receive up to a $1,000 down payment on the next vehicle you finance with Palmetto Citizens.
Low Cost Loan Protection***
Your family's financial well-being is protected when you choose credit disability and life insurance coverage. Disability insurance can cover your loan payments if you become disabled and cannot work. Credit life insurance covers the remaining balance of your loan in the event of your death.
Discounted Auto Insurance
Through TruStage® Insurance, you can receive up to a 10% discount off your auto coverage with leading insurance providers just by being a credit union member.*** Learn more about TruStage Insurance and additional insurance coverage options.
- *Finance charges begin from date of loan closing and are repaid over the term. Option up to 90 days. Limited time offer.
- **APR = Annual Percentage Rate. Rates are subject to change at any time without notice and are not guaranteed. Other rate options may be available. Your actual APR may be higher or lower based on your credit history, loan amount, product features, term, and debt to income ratio.', '***Products/Services Offered by Third Parties/Affiliates: Any Guaranteed Asset Protection insurance or extended warranty products or services ("products") which are provided by third parties or any affiliates are not products fo the Credit Union. If the purchase of same is facilitated by or through Credit Union financing; such is a convenience to the borrower(s) and in no way creates any contractual or other relationship between the borrower(s) and the Credit Union regarding any such products. Any rights, obligations or claims regarding such products shall be solely and exclusively by and between the party providing such products shall be solely and exclusively by and between the party providing such products as may be set forth in any applicable contracts, agreements or otherwise, and the Credit Union shall have no obligations, responsibilities, duties, or liabilities whatsoever regarding same.
Further assistance
If you need additional help with any of our vehicle loan products or options, our staff is available to you. Contact us using any of the methods below.
Hours of operation:
Monday - Thursday,
9 am - 5 pm ET
Friday, 9 am - 6 pm ET
Book an appointment with an associate
Log in to send a Help Desk message
Phone: (803) 732-5000
*Points have no cash value. Points in this Program cannot be exchanged for cash or credit, may not be used with any other offer, promotion or discount, cannot be combined with cash to obtain an Award and cannot be earned from or transferred to any other rewards program, unless otherwise specified.