Credit Union Direct Lending (CUDL)


With CU Direct Lending, you can shop for a car from the convenience of home.  Find preferred local dealers, browse current inventory or search for a specific new or used auto, motorcycle, boat or RV.  When using a preferred dealer, you can even close your SPC loan at the dealership. Click here to search for a vehicle at participating CUDL dealers.



New and Used Vehicle Loans


SPC offers loans for the purchase of new or used vehicles. Members may borrow up to 100% of the MSRP (Manufacturer's suggested retail price) or NADA retail value of the vehicle - plus tax, tags, warranty and GAProtection. 

Click here information on Loan Protection Insurance
Buying an Auto... What you need to know!



Personal Loans


SPC offers a variety of personal loan packages for its members. These loans are perfect for unexpected personal needs. Because of their competitive interest rates, they may also be useful for debt consolidation.



Recreational Vehicle Loans


Boats, Motorcycle & Other Recreational Vehicles
Loans are available to purchase new or used boats, motorcycles, and recreational vehicles (including four wheelers, dirt bikes, jet skis, and snowmobiles). These loans offer flexible terms and payments to fit your budget. Qualified borrowers may finance up to 100% of MSRP on new units or NADA retail on used units.



Mortgage Center


SPC offers a variety of home mortgage loans designed to help you purchase or refinance your home. We also have loan programs that allow you to borrow against the equity you have established in your home. All loans are financed in-house and payments for Mortgage Loans can be made by payroll deduction, automatic debit, mail, or in person at the Credit Union.


Fixed & Adjustable Rate Mortgages

SPC provides both Fixed and Adjustable Rate Mortgages. Both are available in a variety of packages to meet our members' individual needs. Escrow for insurance and taxes is included in the monthly payment, reducing the worry for the member to pay a large lump sum annual payment.
Fixed Rate Mortgages are available at a competitive rate of interest. You may borrow up to 85% of the value on the purchase or refinance of your home.
Higher Loan-to-Values are possible on Fixed and Adjustable Rate Mortgages with private mortgage insurance.

Lot Loans

The Credit Union makes loans for the purchase or refinance of unimproved real estate. Loans may be made up to a maximum of 85% of the appraised value of the land. These loans are available within SPC's primary trade areas.

Construction Loans

SPC provides Home Construction Loans to members in Darlington, Florence and Marlboro Counties. These loans are for a one-year term at a fixed rate.

Mobile Homes with Land Loans

SPC provides first mortgage loans to qualified members for the purchase or refinance of new or used mobile homes. This is an adjustable rate mortgage and financing is available up to 85% loan to value.

Home Equity Line of Credit

A Home Equity Line of Credit allows you to borrow against the equity you have established in your home. Once you establish your Home Equity Line of Credit, you can draw on it as needed. There are no additional loan forms to complete, financial statements to file or closing costs to pay. When you need extra cash for education, home improvements, medical expenses or other emergencies, your line of credit is already there for you. You may even be able to deduct the interest you pay from your taxes. (See your tax consultant for details.)


S.A.F.E. Act Disclosure Notice

The Nationwide Mortgage Licensing System and Registry offers NMLS Consumer AccessSM, which is a free service for consumers to confirm that the bank or mortgage company and the mortgage professional with whom they wish to conduct business are registered with the federal system or licensed, if required, in the state in which they conduct business.

To access this service please go to, or click on the NMLS numbers to be taken directly to our mortgage loan officer's registration information.



SPC Debt Protection^


SPC Credit Union helps you play it safe when taking out a loan. SPC Debt Protection is a voluntary loan-payment protection product that helps preserve your family’s standard of living by giving you relief from the financial burden of delinquency, default, or foreclosure if a protected life event such as disability, loss of life, or involuntary unemployment happens to you. Call and ask about protecting your loans today.

*Your purchase of MEMBER’S CHOICETM Borrower Security is optional and will not affect your application for credit or terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of MEMBER’S CHOICETM Borrower Security.





GAProtection^ is a reasonably-priced coverage for auto loans that provides additional coverage in the event of a theft or total loss. A one-time premium can be conveniently added to your loan balance. As an added bonus when you finance your replacement vehicle with SPC, GAP protection will pay $1000 on your new loan.

Services Provided by Third Parties Not Affiliated with Credit Union.



Extended Service Vehicle Coverage


When buying any vehicle, there is always a chance of having a mechanical breakdown. Mechanical breakdowns can be very expensive to repair. With an extended vehicle service contract from Vision Warranty Corporation^ you can add protection against the unexpected high cost of vehicle repairs, in some cases eliminating the cost altogether.

  • Wear and Tear Coverage: All plans cover ordinary wear that exceeds the manufacturer’s published tolerances on covered components

  • One Deductible Per Visit: : Regardless of the number of components repaired, only one deductible is paid per visit.



Roadside Assistance Services Including:







Rental Car Reimbursement: Payments are limited to the actual rental cost not to exceed thirty-five dollars ($35) per day, not to exceed seven (7) days.

Trip Interruption: Reimbursement for meals and lodging when a covered failure occurs more than 100 miles from home not to exceed one hundred dollars ($100) per day, and not to exceed three (3) days.

Manufacturer’s Deductible Reimbursement: If a part is replaced under the manufacturer’s warranty and that same part is covered under this contract, Vision will pay the deductible that the manufacturer charged up to a $100.00 maximum.

For more information, contact a Financial Service Representative at 843-332-4506 or

^The insurance products are not federally insured and are not obligations or guaranteed by the Credit Union, or any affiliated entity. The Credit Union may not condition an extension of credit on (1) the member’s purchase of an insurance product from the Credit Union or its affiliates; (2) the member’s agreement not to obtain an insurance product from an entity not affiliated with the Credit Union; or (3) a prohibition on the member from obtaining an insurance product from an entity not affiliated with the Credit Union.