The PHCU Auto Advantage

The PHCU Auto Advantage

Turn-key services to help you own your dream car. 

When you use our Auto Advantage program, you get the benefit of competitive rates and turn-key services, plus we can help you locate, finance, and insure your dream car. 

Not sure what kind of car you want? No problem. We can refer you to The Automotive Advisor, a free car-buying service, or to one of our local Auto Advantage dealers who can help you find the vehicle that's just right for you. And if you need car insurance, we've got that covered too!

To apply for a loan or get pre-approved simply apply online, on your mobile device, download our express loan application, or call the Credit Union at 803-978-2101 option 5.


Use our loan calculator to help you estimate your payments so you'll know how much you can afford. For more information on our loan products visit our Frequently Asked Questions or contact the Credit Union.  

PHCU's Auto Advantage Dealers and Products:

Auto Advantage is an exclusive service for PHCU members, which takes the stress and hassle out of buying and owning a car.  In the process, we will save you time, money, and headaches. Click on any of the products or dealers listed below to learn more.

The Automotive Advisor Free Car Buying Service

Are you in the market for a new or pre-owned vehicle for you, your family or your business? Let The Automotive Advisor, a preferred Palmetto Health Credit Union provider, help you find the perfect car and see why most of their new business comes through referrals from other satisfied customers.

Locally owned and operated by Joey C. Bouknight, The Automotive Advisor works for you, not a dealer. They are Better Business Bureau Accredited with an A+ Rating and are uniquely qualified to help you with their expertise, supplier network and no pressure approach. There is no charge to you for their service. NEW, PRE-OWNED, CERTIFIED PRE-OWNED, LEASE, PURCHASE, or TRADE- They do it all! 

Learn more about The Automotive Advisor, by visiting their website or calling the Credit Union at 803-978-2101 or 888-978-2101.

When you choose The Automotive Advisor for your next vehicle purchase or lease, this is what you get:

  • 15 + years of experience and advice tailored to you
  • No dealership hassles or haggling
  • Highly competitive pricing
  • Exceptionally nice pre-owned vehicles
  • Clean vehicle history reports
  • All applicable warranties, rebates, special rates and incentives

McDaniels Auto Group

McDaniels Automotive has been serving the Midlands for over 25 years, and has teamed up with Palmetto Health Credit Union to offer to offer members a great car buying experience from a dealer they can trust. Choose from new Acura, Audi, Porsche, Mazda, Volkswagen, and Subaru as well as an extensive selection of pre-owned vehicles. Most vehicles now include Lifetime Warranty Forever. Contact the Credit Union to be pre-approved or you can even finance your new car through Palmetto Health Credit Union at one of the McDaniels Automotive Group finance offices.

You can view their inventory online or visit one of their local showrooms located at 501 W. Killian Rd., Columbia, SC or 6409 Two Notch Rd., Columbia, SC. For more information on McDaniels Automotive, call 803-786-6400 and be sure to let them know you are a Palmetto Health Credit Union member.

Enterprise Car Sales

If you're in the market for a used car, call (803) 978-2101 or (888) 978-2101 or apply on-line to get pre-approved today! Then, visit Enterprise Car Sales, where you'll receive the same world-class personal service you've come to expect from Palmetto Health Credit Union.

Enterprise hand-selects great cars, backs them with one of the industry's best used car warranties, then offers them at great prices. With more than 250 makes and models of quality, low-mileage certified used vehicles, you're sure to find the one that's just right for you. And, you'll never have to haggle about prices.

You can preview their great selection of quality used vehicles online.  

Free Carfax Report

Help protect yourself from salvage, total loss, structural damage, lemon, and flood vehicles with a CARFAX report. When you finance a used auto with PHCU, please ask for a FREE copy of the Carfax report which also checks for major accidents, fire or flood damage, odometer rollbacks and more.

For more information on Carfax, please visit their website or call the Credit Union at 803-978-2101 or 888-978-2101.

TruStage Insurance Products

We are pleased to offer TruStage auto insurance products, which are available at discounted rates only to credit union members like you. Today, more than 14 million members rely on TruStage for their products, programs, services, expertise and experience.

For more information on their products or to receive a quote, please call 855-483-2149 or visit the TruStage Insurance website.