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Auto Loans

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Family of four that is looking for a new van.

Drive home with the perfect vehicle and payments you can afford. You find the new or used auto of your choice, and we’ll provide the financing.

Up to 100% Financing1

Covers dealer invoice including tax, title and license.

Flexible Terms

Enjoy flexible payment terms.

Used Auto Financing

Finance a vehicle up to 7 years old.

Low, Fixed Annual Percentage Rate1

Your monthly payments are locked.

No Hidden Fees

No penalties for pre-payment.

Ready to apply for your Auto Loan?

Start your online application

Apply now

Stop by one of our branches

Find A Nearby Location
Up to 100% financing

Terms

APR as low as*

Terms

1 to 3 years

APR as low as*

1.99%

Terms

4 years

APR as low as*

1.99%

Terms

5 years

APR as low as*

2.09%

Terms

6 years

APR as low as*

2.99%

Terms

7 years

APR as low as*

4.15%

Up to 100% financing

Terms

APR as low as*

Terms

1 to 3 years

APR as low as*

2.49%

Terms

4 years

APR as low as*

2.49%

Terms

5 years

APR as low as*

2.59%

Terms

6 years

APR as low as*

3.49%

Terms

7 years

APR as low as*

4.65%

Member Testimonial

They have a really good interest rate on my auto loan and they’re always very friendly. The loan officers there were really good.

Jared C.

Guaranteed Asset Protection (GAP)

With any auto loan there’s always a chance that you’ll owe more for it than it’s actually worth until it’s paid off. If it’s ever stolen or damaged beyond repair, you’ll be left to pay the gap between what your insurance will cover and what you still owe. GAP insurance helps fill that shortfall. For more information, call us at (808) 587-2700 or toll-free 1 (888) 586-1056.

Mechanical Repair Coverage (MRC)

There are a lot of moving parts in a car or truck. Mechanical Repair Coverage (MRC) is available to help you pay for some repairs not covered by warranties. You can even add it to used models financed by Hawaii State FCU. For more information, call us at (808) 587-2700 or toll-free 1 (888) 586-1056.

New & Used Auto Pricing Guides

For a comprehensive guide to new and used auto pricing, click here or check out the National Auto Dealers Association (NADA) website at: www.nadaguides.com.

Get Hawaii State FCU Financing at Your Favorite Dealership

Want stress-free car buying? Check online for a participating Credit Union Direct Lending (CUDL) dealership. Search for car dealerships near you offering affordable credit union financing on new and used vehicles.

Start Your Auto Search
CUDL logo.

Need a little extra help managing your finances?

Understanding Auto Loans

Get to know your different financing options, how monthly payments are calculated, why it’s important to worry about how much the vehicle costs, as well as your monthly payment with this interactive eLearning module.

Start this online course>>

Get Help Managing Your Money

We’ve partnered with Money Management International, the largest nonprofit, full-service credit counseling agency in the United States, to bring you free financial counseling and debt management.

Visit Money Management>>

Calculators to help you save and spend smart

Ready to apply for your Auto Loan?

Start your online application

Apply now

Stop by one of our branches

Find a nearby location
Disclosures

1. APR includes a 0.25% discount for automatic payment from a Hawaii State FCU checking account. Without automatic payment, the APR will be 0.25% percentage points higher. These are the lowest APRs available. Your APR will be based on your creditworthiness. Must be a Hawaii resident.

Payment Example: A loan of $10,000 with a 6.00% APR will have: 12 payments of $861 for a one-year term; 24 payments of $443 for a two-year term; 36 payments of $304 for a three-year term; 48 payments of $235 for a four-year term; 60 payments of $193 for a five-year term; 72 payments of $165 for a six-year term; and 84 payments of $146 for a seven-year term. Rates are effective 11/1/2017 and are subject to change without notice.

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We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members. Please review the terms and conditions of use carefully. Such services and products are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services or products. Alternative services and products may be obtained from other providers of your choice. External websites are not under our control and may have different policies and security. Using the links may identify you as a Hawaii State FCU member to the external website operator.

Click “ACCEPT” to enter an external website. Click “Cancel” to return to HSFCU’s website.

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