Auto Loans

Buying a car can be an exciting, but often stressful, time. So when you're ready for that new or used car, contact Palmetto Health Credit Union first. We make car buying and refinancing easy!

We offer low rates, an easy loan application, quick decisions, plus our Auto Advantage program where we can help you through every step of the auto buying process. To apply for a loan today simply apply online, on your mobile device, download our PHCU express loan application, or call us 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.


Why Should I Finance my Vehicle at PHCU?

  • We have great rates, unparalleled service, flexible repayment schedules, and an easy loan application process.

  • Our branches are located on the campuses where most our members work and spend a lot of their time. If you ever have a question or need individual assistance with your loan, you can stop by any one of our branches and meet with someone face to face. You won't be dealing with a mega finance company located on the other side of the country.
  • We offer loans for new or used vehicles, boats, RVs and motorcycles
  • Let us refinance your current vehicle, boat, RV or motorcycle, often with a lower rate and better terms
  • Use your clear vehicle title as collateral to consolidate debt, pay bills or take a vacation

Additional Auto Loan Benefits

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.

Visit the Carfax website or call the Credit Union at 803-978-2101 or 888-978-2101 to learn more.

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.

GAP Coverage

Do you owe more on your car than it's worth? Protect yourself from the total loss of your vehicle. In the event your vehicle is totaled or stolen, your primary insurance company settlement may be significantly less than your outstanding loan balance. This may create a deficiency balance or a "gap" resulting in a serious financial hardship for you or your family.

Not only will you need to finance a loan for a replacement vehicle, but you would also have to pay off the deficiency on your current loan. GAP covers the remaining loan balance that your primary insurance carrier did not cover.

You can purchase GAP thru your PHCU loan officer for $350 which can be added to your loan balance and is usually a lot less expensive than GAP sold at most dealerships. GAP can be purchased when you close on your loan, or you can add GAP any time after the loan origination. However, it is not usually recommended after 18 months. For more information on GAP call 803-978-2101 or 888-978-2101.

Extended Warranty

Car problems are inconvenient and can be very expensive so make sure you're prepared. Smart drivers are choosing MEMBER'S CHOICE® Mechanical Repair Coverage. It helps protect you against many of the costly repairs no longer covered by your vehicle's manufacturer's warranty. Purchasing Mechanical Repair Coverage may be a wise decision and could ultimately save you thousands of dollars in future repair costs. For more information on extended warranties, click here or call 803-978-2101 or 888-978-2101.

Credit Life & Disability Insurance

There is no way to predict an injury, medical-related illness or an unexpected death, but you can take steps along the way to make sure your family is protected if the unforeseen were to happen. MEMBER'S CHOICE® Credit Life & Disability Insurance helps pay your loan so you and your loved ones don't have to.

How does it work?

The premium is included in your monthly payment. If you have a balance on your loan and are totally disabled due to injury or illness, or in the event of an unexpected death, MEMBER'S CHOICE® Credit Life & Disability Insurance can help. By taking a few steps while signing your loan paperwork, you're helping take responsibility for your family's financial future. Your loan officer can show you how. You won't receive extra bills or statements because everything is included in your monthly payment.

If you have questions, or if your family needs to file a claim, simply contact Palmetto Health Credit Union at 803-978-2101 or 888-978-2101.