Looking for a better way to make your money work for you? Meet with a CFS Financial Advisor today. Learn more.

Auto Loans

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To our members experiencing financial hardship during the global pandemic, we are here for you. Learn more about our Emergency Assistance Program.

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Shopping for a Vehicle

Looking for a new or used vehicle? Use an auto shopping website designed just for members.
Research Vehicles.

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Auto Loans & Rates

Check out our new and used car loan rates. Let us help you finance your next vehicle.
View Rates.

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Helpful Resources

Check out our online calculators, online courses, financial counseling, and blogs.
Check Out More Resources.

Research a New or Used Vehicle Online, Stress-Free


Get Hawaii State FCU Financing at Your Favorite Dealership

Want stress-free car buying? Check 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. View Dealership Listing.

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Find the Perfect Car from the Comfort of Your Home

Access our online vehicle marketplace. Search your preferred make, model and color and you’ll likely find a match with a CUDL-connected auto dealer. The best part? You can find your perfect car and preferred purchase location without ever leaving your home.

  • Search for Your Ideal Features – Whether you prefer new or used, or are partial to a specific make and model, you can easily enter your preferences.
  • Compare Pricing Among Auto Dealers – Search auto dealers nationwide or in your own area.
  • Determine How Much You Can Afford – Need financing for your new car? We recommend that you get pre-approved for an auto loan before you start shopping so you can make a realistic budget.

Start Your Auto Search


New & Used Auto Pricing Guides

For a comprehensive guide to new and used auto pricing, click here, or check out the J.D. Power (NADA Guides) website.

Hawaii State FCU Auto Loans

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% Auto 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 a New Auto Loan and need more assistance?

Schedule an appointment online at one of our branches.

Up to 100% financing

Terms

APR as low as*

Terms

1 to 3 years

APR as low as*

2.50%

Terms

4 years

APR as low as*

2.75%

Terms

5 years

APR as low as*

2.90%

Terms

6 years

APR as low as*

3.59%

Terms

7 years

APR as low as*

4.90%

Up to 100% financing

Terms

APR as low as*

Terms

1 to 3 years

APR as low as*

3.00%

Terms

4 years

APR as low as*

3.25%

Terms

5 years

APR as low as*

3.40%

Terms

6 years

APR as low as*

4.40%

Terms

7 years

APR as low as*

5.40%

Auto loan calculators to help you save and spend smart


Farmers Insurance Hawaii

Save an average of $3612 on your auto insurance with Farmers Insurance Hawaii. Call them today for your Hawaii State FCU member discount, including savings on homeowner’s insurance and local claims service. Visit Farmers Insurance Hawaii or call (800) 515-1916.

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The Basics of an Auto Loan

There are a number of things to consider before you start shopping for a new car, such as the loan amount, the loan term and more. Learn the basics of an auto loan. 

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Need a little extra help managing your finances?

Wallet Wisdom Blogs

Learn more about auto financing, find tips on saving money for a vacation, improving your credit score and much more.

Read a Blog >>

Online Courses

Discover money management tips, learn new financial skills and more. Check out our wide range of free, short interactive online tutorials. Register for a free account, sign in and start learning.

Get Started >>

Managing Your Money

Hawaii State FCU wants to help equip you with the resources and education you need for a lifetime of financial wellness. Check out GreenPath Financial Wellness and Money Management International for financial counseling and debt management assistance.

Get the help you need >>

Ready to apply for your Auto Loan?

Start your online application

Apply now

Schedule an appointment at one of our branches.

Schedule an appointment
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. Rates are effective 9/1/2021 and are subject to change without notice. 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.

2. Average savings from information provided by new policyholders from 11/1/18 to 11/1/19 which showed that they saved by switching to Farmers Hawaii. Insurance underwritten by 21st Century Centennial Insurance Company.

Third Party Site Disclaimer

We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members, for enrollment in Hawaii State FCU financial education webinars, or other purposes. Please review the terms and conditions of use carefully. 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, products, or contents. External websites are not under our control and may have different security, privacy and other. Using the links may identify you as a Hawaii State FCU member to the external website operator.  Services and products from third parties are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund.  Alternative services and products may be obtained from other providers of your choice.

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

Please remember to log off of Online Banking and Mobile Banking before going to any external website.

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