Auto Loans

The PHCU Auto Advantage

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

When you use our Auto Advantage program, you get the benefit of competitive rates and turn-key services, plus we can help you locate, finance, and insure your dream car.

To apply for a loan or get pre-approved simply apply online, on your mobile device, download our express loan application, or call the Credit Union at 803-978-2101 option 5.

PHCU's Auto Advantage Dealers and Products:

Auto Advantage is an exclusive service for PHCU members, which takes the stress and hassle out of buying and owning a car. In the process, we will save you time, money, and headaches. Click on any of the products or dealers listed below to learn more.

  • Are you in the market for a new or pre-owned vehicle for you, your family or your business? Let The Automotive Advisor, a preferred Palmetto Health Credit Union provider, help you find the perfect car and see why most of their new business comes through referrals from other satisfied customers.

    Locally owned and operated by Joey C. Bouknight, The Automotive Advisor works for you, not a dealer. They are Better Business Bureau Accredited with an A+ Rating and are uniquely qualified to help you with their expertise, supplier network and no pressure approach. There is no charge to you for their service. NEW, PRE-OWNED, CERTIFIED PRE-OWNED, LEASE, PURCHASE, or TRADE- They do it all!

    Learn more about The Automotive Advisor, by visiting their website or calling the Credit Union at (803) 978-2101 or (888) 978-2101.

    When you choose The Automotive Advisor for your next vehicle purchase or lease, this is what you get:

    • 20 + years of experience and advice tailored to you

    • Helping PHCU members find their dream car since 2011

    • No dealership hassles or haggling

    • Highly competitive pricing

    • Exceptionally nice pre-owned vehicles

    • Clean vehicle history reports

    • All applicable warranties, rebates, special rates and incentives

  • As a PHCU member, you have access to a FREE ONLINE CAR SHOPPING resource where you can browse through local dealer inventory or more than 4 million vehicles nationwide!

    You can search for your next vehicle by make, model, location, payment amount, and even apply for PHCU financing—all on one website from the comfort and safety of your home. You'll also have access to Free CarFax, Kelly Blue Book Price Advisor, and more!

    Start searching for your next car today!

  • If you're in the market for a used car, call (803) 978-2101 or (888) 978-2101 or apply online to get pre-approved today! Then, visit Enterprise Car Sales, where you'll receive the same world-class personal service you've come to expect from Palmetto Health Credit Union.

    Enterprise hand-selects great cars, backs them with one of the industry's best-used car warranties, then offers them at great prices. With more than 250 makes and models of quality, low-mileage certified used vehicles, you're sure to find the one that's just right for you. And, you'll never have to haggle about prices.

    You can preview their great selection of quality used vehicles online.

  • There's no way to predict when something catastrophic might happen. An unexpected illness, death, or injury can debilitate not only your family, but your finances as well. That's why we offer MEMBER'S CHOICE® Credit Life & Disability Insurance to make your loan payments so you and your loved ones won't have to. And when you purchase credit life and disability insurance, the premium will be included in your monthly payment, so you won't even have to worry about making the payments.

    Help take responsibility for your family's financial future by adding MEMBER'S CHOICE® Credit Life and Disability Insurance. If you have any questions, or if your family needs to file a claim, simply contact Palmetto Health Credit Union at (803) 978-2101 or (888) 978-2101 and ask to speak with a loan officer.

  • Members save an average of 25% on mechanical repair coverage with this exclusive member benefit from Palmetto Health Credit Union powered by ForeverCar.* Not only will you save money on unexpected covered repairs, you could be eligible for the best monthly rate for mechanical repair coverage on the market!

    Mechanical Repair Coverage is exclusively for PHCU members. For more information or a quote call (803) 978-2101 to speak to a Loan Officer or for an online quote click on Mechanical Repair Coverage.

  • 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.

  • 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.

    For more information on Carfax, please visit their website or call the Credit Union at (803) 978-2101 or (888) 978-2101.