Vehicle lending
SouthState auto loan rates, shown plainly
Example APRs published on southstatebank.com. Your rate depends on credit, amount, term, and collateral. Autopay from a SouthState checking account can add a discount.
Starting APRs by vehicle
Advertised floors as of early 2026. Cars as of 02/02/2026; boats and motorcycles as of 01/01/2026. Includes a $150 origination fee in the examples.
Example loans
Figures from SouthState legal disclosures. Other rates and terms exist.
| Product | Example APR | Sample amount / term |
|---|---|---|
| New car | 5.23% | $42,500 · 72 months · $686.61/mo |
| New boat | 7.79% | $70,000 · 144 months · $748.16/mo |
| New motorcycle | 7.14% | $40,000 · 72 months · $682.11/mo |
Read the fine print
Car example includes a 0.65% discount for automatic draft from checking; boat and motorcycle examples use 0.50%. Min/max amounts apply. All loans need credit approval.
Draft from checking
A SouthState checking account is how many borrowers capture the autopay discount. Payments show after login.