Enjoy no payments for 90 days*, flexible terms, and a new low auto loan rate starting at 4.90% APR** when you finance your vehicle directly through Carolina Trust before January 15, 2026. Whether you are headed home for the holidays or taking a road trip to see family, our auto loans make it easy to get behind the wheel with confidence. From the first test drive to the final signature, we make the car-buying process simple, affordable, and stress-free.
APR ranges from 5.09% to 16.39%. Repayment terms from 48 months to 84 months.
*Limited time offer: defer your first payment for 90 days on qualifying auto loans. Eligible loans include new purchases or refinances of an existing auto loan from another lender, with a minimum loan amount of $10,000 and terms up to 84 months (subject to credit qualifications). Existing CTFCU loans and third party loans financed on behalf of CTFCU, including dealer financed loans, are not eligible for refinance. First payment deferral is optional. If you defer your first payment, your monthly interest payment may be higher than non-deferred payments. Interest charges will continue to accrue at the agreed rate stated in loan agreement. **Loan approval and approved Annual Percentage Rate (APR) are subject to credit worthiness. Advertised APR includes a 0.25% rate reduction for automatic draft and a 0.25% rate reduction contingent on a loan-to-value less than 80%. Approved auto loan rate will not be lower than 4.90% APR, including applicable discount(s). Advertised rates are subject to change without notice. Financing Example: An auto loan of $15,000 at 4.90% APR for a term of 48 months would result in a monthly payment of approximately $344.76. Payment estimations do not include GAP or service agreement products. Certain restrictions apply. See Credit Union for details.
Hit the open road with us.
Get on the road in style with low rates and affordable payments.
New and Used Auto Loans
The car you’ve had your eyes on is within reach with a New or Used Auto Loan from Carolina Trust Federal Credit Union. We offer low rates for new vehicles and great low rates for used cars that are up to 7 model years old.
- Flexible terms up to 84 months
- Quick online approvals*
- 0.25% discount for having your payment automatically drafted
- Additional 0.25% rate discount when the amount borrowed is less than 80% of vehicle’s J.D. Power retail value
- Debt Protection with Life Plus, Guaranteed Auto Protection (GAP), and Mechanical Repair coverages available from your Credit Union to help you protect your investment.
- Green Auto Loan discount for qualifying vehicles
- First Time Auto Buyer Program for qualifying borrowers
If you’re looking to refinance your current vehicle from another lending institution’s higher rate or payment, we can help with that. Or, if your vehicle is paid off but you need a little extra money, let us help you convert your vehicle’s equity into cash.
*Loan approval and approved Annual Percentage Rate subject to credit worthiness.
Green Auto Loans
Thinking about buying an eco-friendly car? You can save on gas and save yourself some green with a Carolina Trust Green Auto Loan. Get a 0.25% rate discount when you purchase an EPA Designated SmartWay® eco-friendly vehicle. Visit the EPA’s website for more information and to check out all the vehicles that qualify – not just hybrids and small sedans.
Auto Refinancing
Enter the specifics about your current loan to determine how much refinancing can save you. In addition, the number of months to break even on closing cost with your reduced monthly payment will be calculated.
Attention First Time Car Buyers
We know that buying your first car can be exciting, but there are lots of things to consider like a down payment, the Annual Percentage Rate, and what monthly payment will fit your budget. This Financial Toolkit by Balance Financial Fitness is a free guide to help you figure out how much you can afford and how creditworthiness impacts your borrowing options. For more information visit our First Time Auto Buyer Page.
