Finance your next new or used vehicle with Hawaiʻi Federal Credit Union!
Get competitive rates, flexible terms and local service from a credit union serving Oʻahu. Apply online for pre-approval before you shop, so you can walk into the dealership knowing what financing you may qualify for.
Find the Right Auto Loan for Your Next Vehicle
Whether you're buying a new vehicle, purchasing a used car or looking to refinance an existing auto loan, Hawaiʻi Federal Credit Union can help you explore financing that fits your budget.
New Auto Loans
Finance a new car, truck, SUV or other eligible vehicle with competitive rates and flexible repayment terms.
Used Auto Loans
Shopping for a pre-owned vehicle? HFCU offers financing options for eligible used vehicles.
Auto Loan Refinancing
Already have an auto loan somewhere else? Find out whether refinancing your existing vehicle loan with HFCU could make sense for you.
Ready to Finance Your Next Vehicle?
Applying for an HFCU auto loan is easy.
Apply online
Complete our secure online auto loan application.
Provide your documents
Submit the required income and vehicle documentation.
Review your financing options
An HFCU lending team member will review your application and available loan options.
Shop with confidence
With financing arranged, you'll have a clearer idea of your budget when shopping for your next vehicle.
How Much Could My Auto Loan Payment Be?
Your monthly auto loan payment depends on factors including the amount financed, interest rate and repayment term.
Example: A $35,000 vehicle loan financed for 72 months at 5.49% APR* would have monthly principal and interest payments of approximately $572*.
*Annual Percentage Rate (APR). All loans are subject to approval. Final rate based on credit score. Rates are subject to change without notice. Payment example: A 72-month vehicle loan of $35,000 with an Annual Percentage Rate (APR) of 5.49% would have monthly principal plus interest payments of $572. Other rates and terms available. Membership eligibility requirements apply.
View Current Auto Loan Rates
Still have questions? Contact our lending team by phone at (808) 847-1371 option 4 or via email at loans@hawaiifcu.org. You may also visit us at either our Kalihi or Waipahu branch.
Free no-obligation auto insurance quote.
FAQs
When looking for a new car, you have three main options: buy used, buy new, or lease.
There are pros and cons to each method. Your choice will be based on various financial considerations, driving habits, and personal preference.
Time for a new vehicle? It's wise to start with what you can afford and not just what you want to drive. This calculator will show you the sweet spot between what you want and what you can afford.
Enter a preferred monthly payment, your down payment (cash you have on hand or trade-in value), the loan term you want, and the interest rate you hope to get.
When shopping for a car, it's usually best to start by shopping for a car loan. Get prequalified at Hawaii FCU before you step on the lot!
When you’re shopping for a car loan, remember that what it costs you to borrow depends on three things:
- The finance charge, expressed as an annual percentage rate (APR)
- The term, or length of time the loan lasts
- The principal, or amount you borrow
Your credit score may seem random, but it tells lenders and other creditors a lot about your financial behavior. It’s calculated from a mix of factors in your credit report and suggests how likely you are to fulfill financial obligations, such as a lease or loan.
Buying a car is exciting, but a little preparation before you head to the dealership can help you make a more confident financial decision.
Know Your Budget: There’s more to affordability than the monthly payment. Consider your down payment, insurance, fuel, maintenance and other expenses when deciding how much vehicle fits comfortably within your budget.
Understand the Financing: A lower monthly payment doesn’t always mean a better deal. Compare the APR, loan term and total amount you’ll pay over the life of the loan. A longer term may reduce your monthly payment but can increase your overall borrowing cost.
Get Financing Lined Up Before You Shop: Knowing your financing options ahead of time can give you a clearer picture of what you can afford and help you focus on finding the right vehicle instead of figuring out financing at the dealership.
Ready to start shopping? Talk with Hawaiʻi Federal Credit Union first. We can help you explore your financing options before you hit the lot.