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, Protection & 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 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 Payment Assistance Protection**
Protect your family’s financial well-being with Payment Assistance Protection. If you become disabled or involuntarily unemployed, the protection may cancel a set number of payments up to plan maximums. In the event of your death, the protection may cancel your loan balance up to plan maximums your remaining loan balance may also be canceled.
Discounted Auto Insurance
Through the Travelers Auto & Home Insurance Program or TruStage® Insurance, you are eligible for a member discount not available to the general public on auto insurance***
Learn More About TravelersLearn More About TruStage- *Finance charges begin from date of loan closing and are repaid over the term. Option up to 90 days. Limited time offer.
- **This is not a policy or contract of insurance. Please contact the credit union for full details, limits and restrictions. ***TruStage Auto Insurance Program is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
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 - Friday
9am - 5pm ET
Book an appointment with an associate
Log in to send a Help Desk message
Phone: (803) 732-5000