Apply for an Auto Loan
Aloha and thank you for thinking of HFS Federal Credit Union!
An auto loan is a loan that allows you to purchase a new or used vehicle
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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 signing up for Direct Deposit and putting a down payment of at least 20%.
- 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
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
1APR= Annual Percentage Rate. The 4.00% APR is derived by discounting the rate of 4.50% APR with a 0.25% discount for automatic payments and an additional 0.25% discount for a 20% down payment. Monthly payments at 4.00% APR for 60 months will be $553.18 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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Reviews
Auto Loans Reviews
Swift technical smooth and easyI bought a used "new to me vehicle" the servicer was so understanding, guided me through the online process making it so convenient around my work schedule, then scheduled with me in person so I could sign the paperwork and make the purchase. It's always a pleasure doing banking with HFSFCU!
Congratulations on the new to you vehicle! It is our pleasure to be able to help make the process as easy as possible. Enjoy your new ride!
Professional and very friendly serviceI refinanced my auto loan with a special rate loan offered by HFS. I was very glad that I was referred to loan officer Sandra at the Plaza branch. She made the transaction very pleasurable and easy. Her friendly and jubilant personality made me feel like I got an even better deal that I knew had.
We're so glad Sandra was able to help you with your auto loan - and provide an excellent experience! Mahalo for your review Rodney!
GREAT INTEREST RATES OFFEREDGerald, the Loan Officer was very professional and expedited paperwork.
Everything went so smoothly and no hangups!
Very Satisfied!
Thank you very much HFS-FCUMahalo Faith for your review - We are thrilled to hear that your experience was a great one, especially with Gerald's help. Thank you for trusting HFS!
Great customer service/ professional and knowlegdable loan officerThis is my third auto loan through HFS and the service continues to get better and better. Beverly was my loan officer. She was very professional and very knowledgeable
regarding what type of financing would fit my financial needs. Quick service and a very pleasant experience.Aloha Patricia - we are so glad to hear that Beverly was able to help you with your auto loan. Thank you for trusting HFS with your financial needs!
AwesomeI had a fantastic loan experience with Mary. She was so kind and patient. She made everything easy and the transaction went smoothly.
She also helped me get a low interest rate.Mahalo Judy for your review! We will share this with Mary as well. Thank you for being a member!
I love HFSWaynette did a great job with our loan application and closing.
We took out a personal last year that worked well, too.Mahalo for your review James!
Wonderful WaynetteI needed to get a car loan for my son-in-law and I tell you, Waynette at the Keaau branch was so helpful and so very patient with us. She took care of all our questions and really got us the best loan with the lowest interest, and she did it quickly!!! We have always dealt with the Keaau branch and would never go to any other bank!!! Thank you so much Waynette, you are awesome!!!
Mahalo Lucy for your wonderful review - we are so glad that Waynette was able to make your experience a great one!
Auto loanJust got an auto loan from Laura at the Waimea (Kamuela) Branch. Initially applied online & got rejected. My wife and I are retired & the online app asks for employment info. We don't have any.
Went into the branch and sat down with Laura to explain our situation. Got the loan right on the spot! (I suppose my wife & my 800+ credit scores may have had something to do with it). Always nicer to talk to an understanding human than a cold computer.
Many mahalos Laura for you outstanding service!Mahalo George, we are so glad Laura was able to provide you with such wonderful service!
Awesome and outstandingGerald was an outstanding loan officer. He went above and beyond. Gerald is very professional and prompt! He got me an awesome interest rate and coordinated our truck purchase on Maui.
We highly recommend HFS and encourage all of our family and friends to become members.Mahalo Pam - We hope you enjoy your new truck!
Great service!My auto loan approval from HFS was so fast and easy! I got a fantastic rate by having automatic payments and by trading in my current car to meet the down payment. Excellent service! I couldn't be happier with HFS. Overall, they are the best bank I've ever had.
Mahalo JoAnn - Congratulations on your new vehicle!
Auto Loan: SandraSandra is amazing!!! She always comes through for me and made this experience super! The gang in Waimea where the auto was located were also terrific - all my banking needs are met with HFS!!
Mahalo Lisa, that's awesome to hear. Hope you enjoy your car!
More Reviews »Great service from Auto Loan Specialist GeraldGerald was able to get me the lowest possible auto loan rate after reviewing my current loan. His service was immediate and great. Saved me hundreds in interest. GREAT CREDIT UNION. 30+ yr member.
Mahalo!
My Review
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Rates & Fees
Rates Effective as of: 06-03-2023
New Auto Loan Rates
Term Annual Percentage Rate Up to 36 Months 3.50% to 10.75% 37 to 48 Months 4.00% to 11.75% 49 to 60 Months 4.50% to 12.75% 61 to 72 Months 5.25% to 13.75% 73 to 84 Months 6.50% to 16.25% Rates Effective as of: 06-03-2023Used Auto Loan Rates
Term Annual Percentage Rate Up to 36 Months 3.50% to 10.75% 37 to 48 Months 4.00% to 11.75% 49 to 60 Months 4.50% to 12.75% 61 to 72 Months 5.25% to 13.75% 73 to 84 Months 6.50% to 16.25% (1) APR= Annual Percentage Rate. The 4.00% APR is derived by discounting the rate of 4.50% APR with a 0.25% discount for automatic payments and an additional 0.25% discount for a 20% down payment. Monthly payments at 2.50% APR for 60 months will be $553.18 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
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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?
Questions?
Drop us a message anytime with your questions about Auto Loans.
