"It was a great experience and I am so glad I refinanced my auto loan with HFS."
- Maiko
An auto loan is a loan that allows you to purchase a new or used vehicle.
Rates as low as 4.50% APR1
Monthly Payment
0.25% discount
Get a 0.25% discount with Automatic Transfer from Share Draft, Share Account, or Payroll Deduction
Additional 0.25% discount
Get an additional 0.25% discount for a 20% down payment
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 signing up for Direct Deposit and putting a down payment of at least 20%. Explore all the features
Excellent rates
Low monthly payments
Quick online application
Variety of terms available to fit your budget
No prepayment penalty
Additional rate discounts available
Applying for an auto loan was such a smooth process. Highly recommend HFS Federal Credit Union.
Questions?
Drop us a message anytime with your questions about Auto Loans.
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1APR= Annual Percentage Rate. The 4.50% APR is derived by discounting the rate of 4.75% APR with a 0.25% discount for automatic payments. There is no additional discount for a 20% down payment with this promotion, from November 18-30, 2024. Monthly payments at 4.75% APR for 60 months will be $564.25 per $30,000 borrowed. The actual rates and APR depend on credit history and loan terms. Subject to credit approval. Other rates and terms available. Applications may be submitted online or at any HFS FCU branch location.
Out-of-state vehicle purchases are ineligible for an HFS Auto Loan.
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 minimum opening balance of $50.00 is required to open a Savings Account.
Rates
| Term | Min APR(1) | Max APR |
|---|---|---|
|
Up to 36 Months |
|
|
|
37 to 48 Months |
|
|
|
49 to 60 Months |
|
|
|
61 to 72 Months |
|
|
|
73 to 84 Months |
|
|
| Term | Min APR(1) | Max APR |
|---|---|---|
|
Up to 36 Months |
|
|
|
37 to 48 Months |
|
|
|
49 to 60 Months |
|
|
|
61 to 72 Months |
|
|
|
73 to 84 Months |
|
|
Rates effective as of: November 22, 2024
(1) APR= Annual Percentage Rate. The 4.50% APR is derived by discounting the rate of 4.75% APR with a 0.25% discount for automatic payments. There is no additional discount for a 20% down payment with this promotion from November 18 – 30, 2024. Monthly payments at 4.75% APR for 60 months will be $564.25 per $30,000 borrowed. The actual rates and APR depend on credit history and loan terms. Subject to credit approval. Other rates and terms available. Applications may be submitted online or at any HFS FCU branch location.
Subject to credit approval. Rate may vary based on individual creditworthiness and loan term.
Out-of-state vehicle purchases are ineligible for an HFS Auto Loan.
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 minimum opening balance of $50.00 is required to open a Savings Account.
Additional Info
Additional discounts available, applicable to the rates table:
- 0.25% discount with Automatic Transfer from Share Draft, Share Account, or Payroll Deduction
- 0.25% discount for a 20% down payment
All features
Excellent rates
Low monthly payments
Quick online application (temporarily unavailable)
Variety of terms available to fit your budget
No prepayment penalty
Additional rate discounts available
Add Guaranteed Asset Protection (GAP) Insurance for theft or total loss protection for only $425
Apply for an Auto Loan
New Members
Complete your application online or visit your nearest HFS branch to meet with a Loan Officer.
Visit branch
If you prefer to complete your application in-branch with a Loan Officer, please visit us at your nearest HFS branch location.
We recommend using this checklist for a list of documents and information you will need to complete your application.
Open Account
Leaving Our Website
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