No Payments for 90 Days

If you're looking to purchase a vehicle, or just want to refinance your current loan from another lender, Palmetto Citizens can help. With our great rates on new and used vehicles, we can truly help you save. Plus, you will make no payments for the first 90 days.*

We offer the same low rate and extended terms on 2016 to 2013 models and great options for older vehicles as well. Apply today at any of our 12 convenient locations, call 803-732-5000 or log into your account online.

Low Rates & Extended Terms

We offer a variety of affordable rates and convenient terms on new and used vehicle loans. In addition, we can finance over 100% on most current to 3 year old models. Below are our current rates, for other model year and term options, click here.

Current Vehicle Rates
Loan Program Annual Percentage Rate (APR)1
2016 - 2013 Models
up to 36 Months as low as 2.24%
37 to 60 Months as low as 2.35%
61 to 72 Months2 as low as 2.69%
2012 - 2011 Models
up to 602 Months as low as 2.99%

Enterprise Car Sales

If you're looking for a quality used vehicle, Enterprise Car Sales is a great option to explore. They offer more than 120 makes and models of cars, trucks, vans and SUVs, all of which are backed by their exclusive Perfect Used Car Package.® Click here to learn more.

Coverage & Insurance Options

In addition to providing the best financing, Palmetto Citizens offers valuable coverage and insurance options:

Extended Vehicle Warranty3 - Palmetto Citizens offers an extended warranty protection plan for new and used vehicles (up to 12 year old models, with 120,000 miles or less) through MEMBER'S CHOICE Mechanical Repair Coverage. This protection is a better value than many extended warranties offered by the dealerships.

GAP Vehicle Insurance Coverage3 - For a few dollars a month, you can add MEMBER'S CHOICE 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 towards the principal balance on your next vehicle you finance with Palmetto Citizens.

Low Cost Loan Protection3 - 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.

*Finance charges begin from date of loan closing and are repaid over the term. Option up to 90 days. Limited time offer.
1Rate 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. 2When financing $17,000 or more. 60 month term available on vehicles $5,000 or greater for qualified borrowers based on creditworthiness. 3This is not a policy or contract of insurance. Please contact the credit union for full details, limits and restrictions. These products are offered through a third party, CUNA Mutual Group.