Vehicle Loan Perks and Discount Options: 

  • Same low rate on new and used vehicles up to seven model years old.
  • 0.25% rate discount for having your monthly vehicle loan payment automatically drafted.
  • 0.50% APR Green Auto Loan discount if you choose a US Government EPA designated SmartWay® eco-friendly vehicle.   Visit the EPA’s Green Vehicle Guide and look for the SmartWay® logo.
  • Competitive rates for used vehicles older than 7 model years.
  • Plus, you may be eligible to receive an additional 0.25% APR discount on an approved vehicle loan rate if you have accrued enough Member Reward points.

First time buying a car?
 Check out the free BalanceTrack Financial Toolkit to help determine what you can afford for a down payment and total monthly expense. Additionally, BalanceTrack’s “Drive Away Happy” program covers the basic information you should consider before buying or leasing a vehicle.

Thinking about buying a more fuel efficient and eco-friendly car or truck?  The US Environmental Protection Agency (EPA) rates vehicles on calculated greenhouse gas emissions and fuel economy.  The most environmentally friendly vehicles receive a SmartWay® or SmartWay® Elite designation.  Visit the EPA’s Green Vehicle Guide and look for the SmartWay® logo.  You’ll be surprised how many vehicles qualify for the EPA’s SmartWay® rating, not just hybrids and small cars.


Earn additional Member Reward Points by adding Credit Disability, Credit Life, GAP, or Mechanical Repair Coverage to your loan account.


If you’re looking for a particular payment amount or would like to know how much you qualify to borrow and at what Annual Percentage Rate (APR), simply contact our loan department at 843.448.2133, ext. 2 or click below to apply online.

click to apply for a car loan online click to view auto loan rates click for auto loan calculator

Please Note: Securities, non-deposit investments and insurance products sold through licensed third party providers advertised on this site are not federally insured by the National Credit Union Administration (NCUA). They may involve investment risk, may lose value, and they are not underwritten or guaranteed by the Credit Union. Similar products may be purchased from an agent or company of your choice. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty states of the United States of America. The mechanical breakdown protection and GAP products described above are offered by CUNA Brokerage Services, Inc., a third party, and are not policies or contracts of insurance. Contact the third party provider or refer to policy for full details, limits and restrictions. 

*Advertised APR includes a 0.25% rate reduction for automatic draft. Approved auto loan rate will not be lower than 1.99% APR, including applicable discount(s). Advertised rates are subject to change without notice. Contact a Carolina Trust loan specialist for more details.   Financing Example: An auto loan of $15,000 at 1.99% APR for a term of 60 months would result in a monthly payment of approximately $262.90.  Payment estimations do not include GAP or warranty products.