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Auto Loans in Hawaii

"My auto loan approval was so fast and easy! I got a fantastic rate by having automatic payments and trading in my car to meet the down payment."

- JoAnn



An auto loan is a loan that allows you to purchase a new or used vehicle.

Rates as low as 5.50% 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.

— Brittany

Frequently Asked Questions

  • We determine this by doing an auto inspection and researching the value of the vehicle.

  • 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.


Drop us a message anytime with your questions about Auto Loans.

  • 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 an additional 0.25% discount for a 20% down payment. Monthly payments at 5.50% APR for 60 months will be $575.65 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.