Loans

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 fixed.

No Hidden Fees

No penalties for pre-payment.

AS LOW AS

5.75%

APR

1 to 3 years

View disclosures

Auto Loans

Rates & Disclosures

New Auto Loan Rate - Up to 100% financing

Terms	APR as low as
1 to 3 years	5.75%
4 years	5.90%
5 years	5.99%
6 years	6.24%
7 years	8.15%

^* APR includes a 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account. The APR will be 0.25 percentage point higher without automatic payment and may result in higher monthly payments. The APR will be based on your creditworthiness and may be higher. Rates are effective 11/01/2024 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.

Used Auto Loan Rate - Up to 100% financing

Terms	APR as low as
1 to 3 years	6.50%
4 years	6.65%
5 years	6.74%
6 years	6.99%
7 years	8.90%

* APR includes a 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account. The APR will be 0.25 percentage point higher without automatic payment and may result in higher monthly payments. The APR will be based on your creditworthiness and may be higher. Rates are effective 11/01/2024 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 and total interest paid of $326.51 for a one-year term; 24 payments of $443 and total interest paid of $622.60 for a two-year term; 36 payments of $304 and total interest paid of $923.45 for a three-year term; 48 payments of $235 and total interest paid of $1,226.67 for a four-year term; 60 payments of $193 and total interest paid of $1,539.79 for a five-year term; 72 payments of $165 and total interest paid of $1,860.27 for a six-year term; and 84 payments of $146 and total interest paid of $2,169.69 for a seven-year term.