Auto Loans

Affordable Car Financing for New and Used Vehicles

Whether you’re buying your first car, upgrading to something new, or refinancing your current ride, Greenville Heritage Federal Credit Union (GHFCU) is here to put you in the driver’s seat—with confidence, clarity, and savings. Plus, you receive exclusive Member Benefits that you will not receive anywhere else!

AUTO RATES AS LOW AS 4.49% APR*

Happy woman with car keys standing by her car

Why Choose GHFCU for Your Auto Loan?

As a member-owned credit union, we’re not here to profit off your purchase—we’re here to empower it. Our auto loan solutions are designed exclusively for members, offering:

Competitive Rates
- Enjoy lower interest rates than most banks or dealerships. That means more car for your money—and less stress on your budget.
Flexible Terms That Fit Your Life
- Choose from a variety of repayment options tailored to your financial goals, whether you’re looking for short-term savings or long-term affordability.
Fast, Hassle-Free Approvals
- Our streamlined application process gets you on the road faster, with decisions made locally by people who understand your needs.
Exclusive Member Benefits:
- A Free CARFAX Vehicle History Report with every used car loan. This report includes detailed information about previous ownership, accidents, service records, and more—helping you make a smart and informed decision.
- Discounted Insurance Services: Auto Insurance, Credit Life & Disability Insurance, GAP & Mechanical Repair Coverage and more.
- Loan may be eligible for Skip-A-Pay.
Expert Guidance Every Step of the Way
- From dealership purchases to private sales, our lending specialists offer insider tips and negotiation strategies to help you secure the best deal possible.
Refinancing That Works for You
- Already have a car loan? Let us help you lower your rate, reduce your monthly payment, or pay off your loan sooner.

AUTO LOAN RATES

Auto Loans	APR
2025-2021 Vehicles with less than 50,000 miles and below 125% LTV	As Low As
Up to 48 Month Financing	4.49%
60 Month Financing	4.49%
72 Month Financing	4.99%
84 Month Financing	5.49%
2015-2020 Vehicles with 50,001 to 130,000 miles
Up to 72 Months Financing	5.99%
Used Vehicles with more than 130,000 miles (Up to 48 Months Financing)	8.95%
_{Rates Effective August 1, 2025. All rates listed are lowest rates possible as of date noted. Rates are subject to change without notice and may vary based upon creditworthiness and term selected. Certain restrictions may apply.}

Built for Members. Backed by Trust.

At Greenville Heritage, we believe that financial decisions should be made with confidence—not confusion. That’s why we offer:

Transparent terms with no hidden fees
Personalized support from real people
Tools and resources to help you budget wisely
A commitment to your financial wellness, not just your loan

Ready to Apply for your Auto Loan?

Whether you’re shopping for a new vehicle or looking to refinance your current loan, we’re here to help you make smart, budget-friendly decisions. WE MAKE IT EASY: Apply online, visit a branch, or call 864-370-5670 during business hours to speak with a loan specialist today.

APPLY NOW

_{*The Annual Percentage Rate (APR) is determined by individual credit history and underwriting criteria. Loan approval is contingent upon credit union evaluation. Promotional offers, loan programs, rates, terms, and conditions are subject to change without prior notice.}

Member Login