Auto Loan

Need the money to get you into the car of your choice? We can help. Whether it’s a new or used vehicle, four wheels or two, Hawaii State Federal Credit Union has a range of Auto Loans with flexible terms and low rates that are designed to keep you firmly in the driver’s seat.

 


 

New Auto Loan

The new car smell, shiny new chrome, spotless interior. You probably familiar with the feeling you get from a brand new car. Now, it’s possible to make it yours with our New Auto Loan.

  • Up to 100% financing of dealer invoice including tax, title and license
  • Flexible terms with approved credit
  • Low, fixed Annual Percentage Rates (APR)
  • No hidden fees, charges or prepayment penalties
  • Guaranteed Auto Protection (GAP) available

Use our Auto Loan Calculator to help figure out what you need for an auto loan.


Apply Now

 

If you are not a member of Hawaii State FCU, click here to view membership eligibility requirements. If your loan application is approved, then we will contact you to join and become a member of Hawaii State FCU before processing the loan.

 

Used Auto Loan

Get value for money on a used car with our Used Auto Loan. Our flexible terms and low rates will get you off the showroom and on the road breaking your wallet.

  • Up to 100% financing of National Auto Dealers Association (NADA) Pricing Guide retail value
  • Flexible terms with approved credit
  • Low, fixed Annual Percentage Rates (APR)
  • No hidden fees, charges or prepayment penalties
  • Used car must have maximum age of 7 years

Use our Auto Loan Calculator to help figure out what you need for an auto loan.


Apply Now

If you are not a member of Hawaii State FCU, click here to view membership eligibility requirements. If your loan application is approved, then we will contact you to join and become a member of Hawaii State FCU before processing the loan.

 

Motorcycle Loan

Prefer two wheels to four? Then you’ll love the flexible terms and low rates we offer with our Motorcycle Loan at Hawaii State Federal Credit Union.

  • Up to 100% financing of dealer invoice, including tax, title and license
  • Flexible terms (with approved credit)
  • Low, fixed Annual Percentage Rates (APR)
  • No hidden fees, charges or prepayment penalties
  • Guaranteed Auto Protection (GAP) available

Use our Auto Loan Calculator to help figure out what you need for an auto loan.


Apply Now

 

If you are not a member of Hawaii State FCU, click here to view membership eligibility requirements. If your loan application is approved, then we will contact you to join and become a member of Hawaii State FCU before processing the loan.

 

Used Motorcycle Loan

Our Used Auto Loan gives great value for money on the used motorcycle of your choice. And our flexible terms and low rates let you ride off, happy down the road.

  • Up to 100% financing of National Auto Dealers Association Pricing Guide retail value
  • Flexible terms (with approved credit)
  • Low, fixed Annual Percentage Rates (APR)
  • No hidden fees, charges or prepayment penalties
  • Used vehicle must not be older than 7 years of age

Use our Auto Loan Calculator to help figure out what you need for an auto loan.


Apply Now

 

If you are not a member of Hawaii State FCU, click here to view membership eligibility requirements. If your loan application is approved, then we will contact you to join and become a member of Hawaii State FCU before processing the loan.

 

Additional Features

Auto Buying Resources

Credit Union Direct Lending (CUDL)
Hawaii State FCU has partnered up with CUDL to make finding your next vehicle super easy. Visit the  CUDL website to search for dealerships near you that are offering affordable credit union financing, new and used vehicles, or locate the nearest dealership. We'll be there with your automobile financing, day or night!

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.

Guaranteed Asset Protection (GAP)
Protect against financial loss from theft or irreparable damage. Guaranteed Asset Protection covers for the "gap" between your vehicle's value and the amount owed on your vehicle loan if the vehicle is totaled, or stolen and never recovered. GAP is available for new and used vehicles financed through Hawaii State FCU. For more information, call (808)587-2700 or toll-free 1(888)586-1056.

Mechanical Repair Coverage (MRC)
The right auto loan is more than getting the right rate. It's also about getting the right kind of auto protection. In the event of vehicle break down, Mechanical Repair Coverage helps lessen your financial burden by paying covered repairs (costs or parts and labor) on your vehicle. For more information, call (808)587-2700 or toll-free 1(888)586-1056.

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