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Enjoy the Ride

You’ve spent countless hours researching and selecting the perfect car, now it’s time for you to enjoy the ride! For a limited time, drive away with a new or used auto loan from Carolina Trust and defer your first payment for 90 days*.

Plus, auto loan rates are as low as 1.99% APR** for new and used vehicles up to 60 months for qualifying loans. Carolina Trust offers the same low loan rates for new and used vehicles up to seven model years old and competitive rates for used vehicles older than seven model years.


Carolina Trust also offers these great vehicle loan discount options to help you get the lowest rate possible:

  • 0.25% rate reduction for having your monthly vehicle loan payment automatically drafted**.
  • 0.50% APR Green Auto Loan discount if you choose a U.S. Government EPA designated SmartWay® eco-friendly vehicle. Lots of cars qualify not just hybrids and small cars**.

Enjoy your new ride and use that extra cash for your next road trip! 

*Limited time 90-day deferral based on qualifying terms. Auto loan must be a minimum $10,000 loan purchase or refinance for a 60 month term. 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 Annual Percentage Rate (APR) subject to credit worthiness. Advertised APR includes a 0.25% rate reduction for automatic draft and a 1% rate reduction contingent on 20% down payment. Financing Example: An auto loan of $10,000 at 1.99% APR for a term of 60 months would result in a monthly payment of approximately $175.81. The 0.50% Green Auto Loan rate discount is applicable for SmartWay® certified autos five years old or newer. Green Auto and promotional loans must originate at CTFCU to qualify for advertised incentive. Approved auto loan rate will not be lower than 1.99% APR, including applicable discount(s). Existing CTFCU loans and third party loans financed on behalf of CTFCU, including dealer financed loans, are not eligible for refinance. Certain restrictions apply. See Credit Union for details. Federally insured by NCUA.

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