Apply Now for an Auto Loan
Follow the instructions below to get started.
An auto loan is a loan that allows you to purchase a new or used vehicle
-
Overview
Why get an Auto Loan from HFS?
Buying a new car is exciting...and with us it’s simple! Whether you want a new or used car, truck or SUV, or just want to refinance for a better rate, we’ll help you find exactly what you’re looking for. Receive an even better rate by applying online, signing up for Direct Deposit, and putting a down payment of at least 20%.
- Excellent rates
- Low monthly payments
- Quick online application
- Loan terms up to 7 years (84 months)
- No prepayment penalty
- Additional rate discounts available
- Add Guaranteed Asset Protection (GAP) Insurance for theft or total loss protection for only $295
Review
Plumeria72
I just got my auto loan with HFS and it was super easy! I refinanced and got a better rate than I had with my other loan. The process was fast and I'm very happy with my new interest rate and payment.
Additional Info
1The advertised rate of 2.24% APR is derived by discounting the open rate of 2.99% with a 0.25% discount for applying online, a 0.25% discount for a 20% down payment and a 0.25% discount for automatic payments.
Subject to credit approval. Rate may vary based on individual creditworthiness and loan term. Insurance products are not products of the Credit Union; and are not obligations of or guaranteed by the Credit Union. Credit Disability Insurance is offered through CUNA Mutual Group.
Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii. A non-refundable $1.00 fee is required to establish membership. A minimum opening balance of $50.00 is required to open a savings account. -
Reviews
Auto Loans Reviews
Fast and Easy!!Everyone that has helped us get both auto loans, has been very efficient and courteous. They have answered all our questions and have given very excellent service in a very timely manner. GOOD JOB!!!
Excellent personal service!Over all, I was very satisfied with the auto loan and most of all the low interest rate.
Car loanVery good service, quick, easy and personalized to help your situation
Great Service!I just got my auto loan with HFS and it was super easy! I refinanced and got a better rate than I had with my other loan. The process was fast and I'm very happy with my new interest rate and payment.
Great ratesLove the service very professional and knowledgeable
SMOOTH PROCESSI got an auto loan and I was very easy to do. Awesome. Working with seantelle made it effortless.
HFS FCU is the bestBeen with HFS for about 25 years now. They ALWAYS have good service...and still does!
SUPER FAST AND FRIENDLYThis was the fastest and smoothest loan process i have ever encountered very happy with hfs
Another Great Experience!I have worked with HFS FCU in the past, Lola Wakida is such a great Loan Officer. I always work with her. Everything was done in a timely manner.
Excellent!!!What else is there to say friendly people and they are there always to help..
Very convenient areaMy loan officer was very helpful and very informative.
More Reviews »Eazy BreezyEven though the online form was not working correctly the customer service over the phone was great. The communication from the lending agent at HFS was great and friendly. I didn't even have to go into the bank to sign the documents!
My Review
-
Rates & Fees
Rates Effective as of: 09-25-2023
Auto Loans Rates
Effective Date: May 1, 2017
1The advertised rate of 2.24% APR is derived by discounting the open rate of 2.99% with a 0.25% discount for applying online, a 0.25% discount for a 20% down payment and a 0.25% discount for automatic payments.
2Rates may be reduced further with online application, 20% down payment and automatic payments discounts.Subject to credit approval. Rate may vary based on individual creditworthiness and loan term.
-
Calculator
Calculator
Calculate your monthly payments or see how much you can afford.
Auto Loan Calculator
The Calculator Tools are not guarantees of credit. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
-
FAQ
Frequently Asked Questions
-
What are your current rates?
See our Rates tab for our most up to date Auto Loan rates.
-
For used autos, what is the oldest vehicle you will finance?
We determine this by doing an auto inspection and researching the value of the vehicle.
-
If my current contact information is different than what is shown on my account, should I apply with my new information?
Yes. Please note that during the loan review process we will need to verify your contact information for discrepancies. To make this process as efficient as possible, please update your information on in your Online Banking, come into any branch or call (808) 930-1400 before submitting your application.
-
What are your current rates?
Questions?
Drop us a message anytime with your questions about Auto Loans.
