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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
by KtsdEazy 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!
by VeronicaWow - I saved a lot over the life of the loanThank you HFSFCU team for your excellent spirit and accommodating demeanor. I saved a few interest points over the life of the loan and am just really stoked about the loan package I received. Special thanks to Leila and Sandra for their amazing kokua - five stars.
by LawnMy auto loan experience!I recently got my auto loan with HFS and I am completely satisfied! Fast and easy! Did all my signing online. Loan officer (Mel) came to see me personally to congratulate me at my work place once the loan had been approved! WHO DOES THAT NOW DAYS? That's customer appreciation and service!! ( I give her 10 STARS)
by RomelAuto LoanBest customer service and always helped me financially. HFS has always been my first choice for loans and best rates available. Treated me better than family.
by DwightLoan/ AutoJust finished my Loan with HFS and the people there are great!! Daniell, Rebecca an Kiana are like family, our whole family loves dealing with them, will do another Personal Loan soon to take care of bussiness an would'nt do it any where else, Thank You HFS
by Sunny1Great offerI got my auto loan with HFS and was really happy that the process was so fast and easy!
by JoanzEasy and quick process.I refinanced my auto loan with HFS and they made it so easy and stress free.
by LauraVery friendly staffI just got my auto loan at HFSFCU and am very satisfied with the services I received from the Kamuela Branch.
by KeolaGreatI just a auto loan from hfsfcu and I'm satisfied with the customer service and effectiveness of loan and was in my new car quick and enjoying it. Thanks
by DayleWonderful, friendly staff!Customer service was excellent! It matters a lot to me in whatever I do, be it banking, shopping, etc, if the experience is positive, I will return. If the experience is negative, I will not return.
by ClassixIt's all GHFS FCU offers many benefits that others (banks) charge for. I recommend joining our credit union to lots of people - I rated 5-star all the way, all the products are great & so is the hard-working team !!
by 12345CmrWonderful customer servicesI had two auto loans and two personal loans. I had a business partner join and two of my children became members.
My Review
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Rates & Fees
Rates Effective as of: 03-29-2024
Auto Loans Rates
Term Annual Percentage Rate 2 New Automobile Up to 36 Months 2.990% to 13.000% 37 to 48 Months 2.990% to 15.000% 49 to 60 Months 2.990% to 16.500% 61 to 72 Months 3.990% to 9.500% 73 to 84 Months 4.990% to 7.500% Used Automobile Up to 36 Months 3.990% to 13.500% 37 to 48 Months 3.990% to 15.500% 49 to 60 Months 3.990% to 16.500% 61 to 72 Months 4.990% to 5.490% 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.
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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.
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FAQ
Frequently Asked Questions
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What are your current rates?
See our Rates tab for our most up to date Auto Loan rates.
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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.
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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.
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What are your current rates?