Auto Loans

Dreaming of a new car? We offer low interest rates, terms up to 7 years, and easy refinancing. It’s quick and convenient to apply.

Your Source for Auto Loans in South Carolina

Get competitive rates, flexible terms & special payment options

We offer low rates and great finance options on both new and used vehicles, with terms up to 7 years. When you purchase a car with SAFE, or refinance your car loan from another lender, you could save big!

As one of the Midlands' largest auto lenders, you can trust us when we say, car loans are our specialty.

Car Loan Rates

2020 and Newer
Annual Percentage Rate as low as
4.74%
APR*
2017-2019
Annual Percentage Rate as low as
6.49%
APR*
2014-2016
Annual Percentage Rate as low as
6.99%
APR*
2012-2013
Annual Percentage Rate as low as
7.99%
APR*
2011 and older
Annual Percentage rate as low as
9.74%
APR*

* APR = Annual Percentage Rate. Auto refinancing offer applies only to loans financed by institutions other than SAFE. Proof of address and verification of employment are required. Minimum loan amount is $5,000. Rate is determined by credit score, term, and vehicle model year. Payment example: on a $35,000 auto at 5.49% APR for 60 months, your payment would be $670/month. On a $35,000 auto at 6.24% APR for 84 months, your monthly payment would $520/ month. Financing up to 84 months available for qualifying vehicles. Maximum loan-to-value limits apply. Conditions and terms are subject to change without notice.


At SAFE, it couldn’t be easier to apply for an auto loan or refinance your loan from another institution. Simply follow these steps:

  1. Click the button below to access SAFE’s secure application portal.
  2. Answer a few quick questions about yourself.
  3. Get instant approval, or additional loan support from one of our friendly loan experts. 

Apply Today

Auto Loan FAQs

Getting a car loan can seem complicated, but it doesn't have to be. We're here to answer your questions and help you through every step of the process.

If you’re looking for a terrific car loan, get started now and apply online. It’s a quick and easy process with fast turnaround from the SAFE loans team. Depending on your application information, you may get an approval immediately. If not, a loan officer will contact you within 24-48 hours to ask a few additional questions before your application is processed. 

Before you start, it may be helpful to check your credit report. SAFE members can access their FICO® Credit Score at no cost through our Online & Mobile Banking. While SAFE doesn't use this score for application approval, this still allows you to check for errors and to dispute any issues ahead of time. 

Apply Now 

Our car loan rates depend on both the length of your repayment term and the age of the vehicle you want to buy. See current auto loan rates on our Rates page.

Just like there are benefits to saving with a credit union, there are benefits to borrowing from one, too. As a not-for-profit credit union, we offer: 

  • Lower interest rates 
  • Fewer fees 
  • Friendly, personalized assistance from local loan officers 

Not a SAFE member? You may qualify for membership based on your location or your membership in one of our partner organizations (including your employer). Learn more about joining SAFE on our Membership page.

At SAFE, we refinance if your auto loan is at another institution (loans currently at SAFE are excluded). To get started quickly, it helps to have your account info, vehicle identification number (VIN), and payoff information on hand.

Apply Now

You can check the status of a pending loan application quickly and easily in our loan portal. Simply visit the link below and enter some basic information to help us identify you.

Check Application Status 

TruStage® Auto Insurance Program 

Our business partners at TruStage® Insurance Agency, LLC offer discounted rates, secure online access, and 24-hour claims processing services—all for the express purpose of connecting you with the coverage that you need to protect yourself and your family. 

Get your free quote from TruStage® today, or call 1-855-483-2149 for more information. 

Loans for Your Boat, Motorcycle, or RV

Whether you're looking to get out on the water or take a road trip, SAFE can help finance your next boat, ATV, RV, or motorcycle.

Car Buying Made Simple

Our TrueCar® Auto Buying Service and Indirect Lending Program make car purchases simpler and more accessible for our members.

Car Loan Calculator

Calculate Your Car Payments

Before you commit to a new- or used-car contract, take a few minutes to scope out your anticipated monthly payment. Our calculator can help you understand how variables like down payment, loan term, and interest rate can affect your car payments.

More Auto Loan Benefits

Discounted GAP Coverage

If your vehicle is stolen or totaled, GAP insurance covers the difference between what you owe on your car and its depreciated value. This low-cost coverage can be purchased at any time during the life of your loan.

Credit Life Insurance 

Protect your assets and your peace of mind with this inexpensive insurance benefit specifically designed to pay off your loan in the event you pass away.

Credit Disability Insurance 

If injury or illness makes you unable to work, credit disability coverage will take over your loan payments until you return to work. For just a few dollars a month, this benefit could make all the difference if an emergency arises.

Mechanical Repair Coverage 

This low-cost coverage protects you from costly vehicle repairs that can come out of nowhere. Coverage begins on the day you purchase it and includes rental reimbursement, 24 -hour roadside assistance, and travel expense reimbursement.**

Get answers to your car loan questions.

If you have questions before you begin, please reach out! We can evaluate your current auto loan to see if we can help lower your monthly payment. Contact us for a free payment analysis at 1-800-763-8600, ext. 2375 or visit one of our 18 Midlands branches.