Car Payments Calculator

Take a few minutes to scope out your anticipated car payment before you commit to a new- or used-car contract. Use this calculator to help you understand how all the variables affect your car deal. And be sure to click, call or visit us to apply for your loan.

Calculate Loan Payment
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Calculate Montly Payment
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* This calculator is solely for informational purposes and provides reasonably accurate results of car payments; the calculations are not intended to be relied upon as actual loan computations.

Current Auto Loan Rates

2021 and Newer
Annual Percentage Rate as low as
3.49%
APR*
2017-2020
Annual Percentage Rate as low as
4.99%
APR*
2015-2016
Annual Percentage Rate as low as
5.49%
APR*
2012-2014
Annual Percentage Rate as low as
6.49%
APR*
2011 and older
Annual Percentage rate as low as
8.24%
APR*
SAFE Cents

Should you buy or lease your car?

Learn how your income, credit score, and the way you use your car can help you determine which option is right for you.

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. This will allow you to check for errors and to dispute any issues ahead of time. Don’t forget–SAFE members can access their FICO Credit Score at no cost through our Online & Mobile Banking

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

South Carolina Auto Loans

Dreaming of a new car? We offer low interest rates and, terms up to 7 years. Want to refinance your current vehicle at a better rate? Our refinancing options save members hundreds of thousands of dollars each year. You may even qualify for 90 days with no payment. It’s quick and easy to apply.