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Vehicle Loans

Auto Loans

Get the perfect vehicle with payments you can afford.

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You find the new or used car of your choice, and we’ll provide the financing.

New Auto Loan

APR1 as low as
5.75%
1–3 years term
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Used Auto Loan

APR2 as low as
6.50%
1–3 years term
View all rates
Disclosures

New Auto Loan

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1. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account. Without this, the APR will be 0.25% higher, potentially increasing monthly payments. Final APR depends on creditworthiness and may vary. Rates subject to change. Must be a Hawaii resident.
Rates effective 09/01/2025
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

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1. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account. Without this, the APR will be 0.25% higher, potentially increasing monthly payments. Final APR depends on creditworthiness and may vary. Rates subject to change. Must be a Hawaii resident.
Rates effective 09/01/2025
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.

Auto Loan Rates

New Auto Loan

Up to 100% financing

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Terms APR as low as¹
1–3 years 5.75%
4 years 5.85%
5 years 5.99%
6 years 6.24%
7 years 6.75%
Disclosures
Loading...
1. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account. Without this, the APR will be 0.25% higher, potentially increasing monthly payments. Final APR depends on creditworthiness and may vary. Rates subject to change. Must be a Hawaii resident.
Rates effective 09/01/2025
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

Up to 100% financing

heDDER heDDER
Terms APR as low as¹
1–3 years 6.50%
4 years 6.60%
5 years 6.74%
6 years 6.99%
7 years 7.50%
Disclosures
Loading...
1. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account. Without this, the APR will be 0.25% higher, potentially increasing monthly payments. Final APR depends on creditworthiness and may vary. Rates subject to change. Must be a Hawaii resident.
Rates effective 09/01/2025
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.

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