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Palmetto Citizens Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 27 November 2023
Fact checked

Palmetto Citizens Federal Credit Union auto loans overview

Palmetto Citizens Federal Credit Union logo

Palmetto Citizens Federal Credit Union (PCFCU) has low-cost and flexible auto loan choices for a range of vehicles. These include pre-owned and new automobiles, trucks, boats, trailers, recreational vehicles, motorcycles, farm equipment, and more. Plus, qualified members can apply for as low as 4.95% APR and select repayment periods extending up to 96 months.

Want to see what a PCFCU auto loan will cost? Try the Palmetto Citizens Federal Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Palmetto Citizens Federal Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Over 100% on most new to 3-year-old models.
  • Interest rates: As low as 4.95% APR.
  • Loan terms: Up to 96 months.
  • Loan fees: Late payment fee.
  • Discounts: Up to 10% discount on auto insurance.

PALMETTO CITIZENS AUTO LOAN OPTIONS

New and used auto loans

Palmetto Citizens FCU provides competitive rates for purchasing and refinancing new and used automobiles and trucks. For 2020 and newer models, rates begin at 4.95% APR, and terms can be as long as 96 months. Then, older models have rates starting at 6.19% APR.

Recreational vehicle loans

You can also choose from a range of recreational vehicle loans that PCFCU offers. Boats, motors, and trailers have APRs as low as 6.50%, recreational vehicles start at 5.70%, and motorcycles begin at 8.50% APR. For new jet skis and ATVs, APRs can start at 10.75%. And depending on the type of vehicle, terms can be up to 84 months.

Palmetto Citizens Federal Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
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Loan Amount

$25,000

Term

60 months

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Palmetto Citizens Federal Credit Union

Palmetto Citizens Federal Credit Union auto loan

Palmetto Citizens Federal Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Palmetto Citizens Federal Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Palmetto Citizen Federal Credit Union auto loan

Eligibility criteria

Palmetto Citizens FCU doesn’t disclose the exact criteria for vehicle financing, but you should normally be:

  • At least 18 years old
  • A legal resident
  • A member of Palmetto Citizens FCU
  • Employed or have a reliable source of income

Before you apply, it’s also beneficial to gain insights into how to get a car loan. This will allow you to prepare better and make more guided decisions when it comes to financing your vehicle.

How to join Palmetto Citizens

Palmetto Citizens FCU membership is available to:

  • Anyone who lives, works, worships, or attends school in South Carolina counties (Calhoun, Fairfield, Kershaw, Lexington, Newberry, Orangeburg, Richland, or Saluda)
  • Businesses, non-profits, churches, and legal entities operating in the said areas
  • Immediate family members of those who are eligible to join

What you’ll need to have ready

Personal details

When you apply for auto financing with Palmetto Citizens Federal Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide PCFCU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Other than the loan documents, it helps to know the auto loan fees, too. This can support you in weighing the overall loan expenses, comparing your choices, and choosing the right loan for your situation.

Remember that car loans are secured, which means you put up your vehicle as collateral. So, make sure you weigh the overall cost of your loan. This way, you can prepare your budget and avoid defaulting on your payments

Ways to apply for a Palmetto Citizens auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (803) 732-5000

Additional Palmetto Citizens FCU auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it may take a day to a few weeks depending on your case.
  • Repayment frequency: Monthly.
  • Late payment fees: 5% of the delinquent amount (maximum $25).
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking, mobile banking, and over the phone.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Low interest rates.
  • Over 100% financing offered.
  • Extended repayment terms.
  • No payments for up to 90 days.
  • Optional auto coverage and insurance available.
  • Discounted auto insurance offered.
  • Purchase and refinance available.
  • Convenient car-buying services.
  • Range of vehicles available – new and used cars, trucks, boats, motors, trailers, recreational vehicles, motorcycles, farm equipment, jet skis, and ATVs.

Cons

  • Late payment fee.
  • Membership required.
  • Applicants with low credit scores may get higher interest rates.

FREQUENTLY ASKED QUESTIONS

How much interest does Palmetto Citizens FCU charge on car loans?

Palmetto Citizens’ auto loans have APRs starting at 4.95% for new and used 2020 and newer models. Meanwhile, 4-5-year-old models begin at 6.19% APR.

What is the maximum length of a PCFCU vehicle loan?

You can make your loan repayments for as long as 96 months.

How much do I qualify for with a Palmetto Citizens auto loan?

You can finance over 100% of most new to 3-year-old models. Remember though that your maximum loan amount may vary based on your application.

How to apply for a vehicle loan at Palmetto Citizens Federal Credit Union?

You can apply for a loan online, over the phone, through email, or in a branch office.

How many pay slips does Palmetto Citizens FCU require during my auto loan application?

You typically need to provide your 2 most recent pay stubs when you apply for vehicle financing.

Does Palmetto Citizens Federal Credit Union refinance auto loans?

Yes. You can refinance your existing vehicle loan to take advantage of PCFCU’s low interest rates and longer loan terms.

Video: Getting a loan

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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