Ready for your next ride? HFS FCU has you covered. We offer low rates, flexible terms, and exclusive member discountsāeverything you need to make your car-buying experience easy and stress-free.
5.50% APR1 for 60 months
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.
Understanding HFS FCU Auto Loans
An auto loan lets you borrow money to purchase a vehicle, then pay it back in monthly installments over time. For Hawaii drivers, auto loans are especially helpful in navigating our unique vehicle market, where limited inventory and higher prices can make buying a car more challenging.
At HFS FCU, we offer financing for both new and used vehicles, as well as with refinancing optionsāall with competitive rates and flexible terms. If you already have an auto loan, weāre happy to help you refinance to secure a lower rate and save money, or shorten your term to pay off your loan faster.
While we donāt currently offer lease buyout financing, we can help you explore other options, such as returning your lease and financing a new or used vehicle.
New vs. Used Vehicle Financing
There are some key differences between financing new and used vehicles. New cars typically require larger loans but come with lower interest rates because of their higher resale value. Used cars generally cost less upfront, though interest rates may be slightly higher because of their lower resale value.
Hawaiiās unique car market also plays a role in your decision. Import costs and limited inventory drive up demand and prices compared to the mainland, often resulting in larger loans and longer repayment terms. For many drivers, a quality used vehicle can be a more practical and affordable choice.
When you finance a used vehicle with HFS FCU, we carefully review documentation and conduct a physical inspection to ensure the vehicle meets our standards and determine its true value.
Why Choose HFS FCU for Your Auto Loan
From competitive rates to member-exclusive discounts, here's what sets HFS FCU apart when it comes to vehicle financing:
Excellent rates
Low monthly payments
Quick online application
Variety of terms available to fit your budget
No prepayment penalty
Additional rate discounts available
How to Apply for Your Hawaii Auto Loan
Itās easy to apply for an auto loan at HFS FCU. Hereās a step-by-step guide:
- Apply online or schedule an appointment at a local branch.
- Gather key documentation before you apply, such as proof of income, employment information, a valid government-issued ID, and proof of residency.
- Provide information specific to the vehicle youāre financing, such as VIN, mileage, seller or dealerās name, etc.
- Complete the necessary paperwork and wait for approval.
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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 5.50% APR is derived by discounting the rate of 6.00% APR with a 0.25% discount for automatic payments and a 0.25% discount for a 20% down payment. Monthly payments at 5.50% APR for 60 months will be $575.49 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: March 9, 2026
Ā
1APR= Annual Percentage Rate. The 5.50% APR is derived by discounting the rate of 6.00% APR with a 0.25% discount for automatic payments and a 0.25% discount for a 20% down payment. Monthly payments at 5.50% APR for 60 months will be $575.49 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.
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Additional Info
Additional discounts available, applicable to the rates table:
- 0.25% discount with Automatic Transfer from Share Draft, Share Account, or Payroll Deduction
All features
Excellent rates
Low monthly payments
Quick online application
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 nearestĀ HFS branch location.
We recommend using thisĀ checklistĀ for a list of documents and information you will need to complete your application.
Open Account
Leaving Our Website
You are leaving the HFS Federal Credit Union website. HFS Federal Credit Union provides links to external sites for the convenience of its members. By clicking “Continue” you will be directed to an external website owned and operated by a third party. These external websites are not controlled by HFS Federal Credit Union and HFS Federal Credit Union makes no representation or warranty, express or implied, to the user concerning the information, content, presentation, accuracy or opinion of these sites or the quality, safety, or suitability of any software found on these sites. The privacy policies of HFS Federal Credit Union do not apply to external sites and users should consult the privacy policies on these sites for further information. Thank you for visiting the HFS Federal Credit Union website