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.
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.
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Terms |
APR as low as* |
|---|---|
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Terms 1 to 3 years |
APR as low as* 2.50% |
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Terms 4 years |
APR as low as* 2.75% |
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Terms 5 years |
APR as low as* 2.90% |
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Terms 6 years |
APR as low as* 3.90% |
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Terms 7 years |
APR as low as* 4.40% |
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Terms |
APR as low as* |
|---|---|
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Terms 1 to 3 years |
APR as low as* 3.00% |
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Terms 4 years |
APR as low as* 3.25% |
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Terms 5 years |
APR as low as* 3.40% |
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Terms 6 years |
APR as low as* 4.40% |
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Terms 7 years |
APR as low as* 4.90% |
Auto loan calculators to help you save and spend smart
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.
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
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.
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.
Ready to apply for your Auto Loan?
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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 4/1/2020 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.