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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
Awesome awesomeSo Blessed HFS lowered my monthly payments big time got me a awesome apr rate. Just in time when we needed the help. Thank you to wynette in the keaau branch.
Mahalo Maylani!
Excellent Customer ServiceLeila helped us with a much lower interest rate and a monthly payment of almost $200 less than what we were paying! It was quick & painless. Mahalo HFS for over 20 years of Excellent Service!
Mahalo Norma!
Awesome customer serviceI refinanced my new auto loan with HFS at a lower rate than the dealership was offering. The online application was easy and my loan officer contacted me right away. I signed all documents electronically and before you know it the loan was complete! The process went seamless. I would definitely use HFS again for all my loan needs!
Mahalo Melanie!
Great rates!Finally got a chance to refinance my auto loan with HFS and was not disappointed. Was glad to deal with someone locally instead of the mainland bank I was with. Also reduced my interest rate by 1.5%. Highly recommended!
Great rates!!Just refinanced my auto loan with HFS. Cut my interest rate by more than half and I don’t have to worry about payments since it’s set up with autopay. Very satisfied.
Awesome customers serviceI am very satisfy with the serves I was given by Paula I look forward to doing more business with HFS in the future! Thank you for being here!
Fast and Easy!!Everyone that has helped us get both auto loans, has been very efficient and courteous. They have answered all our questions and have given very excellent service in a very timely manner. GOOD JOB!!!
Excellent personal service!Over all, I was very satisfied with the auto loan and most of all the low interest rate.
Great ratesLove the service very professional and knowledgeable
SMOOTH PROCESSI got an auto loan and I was very easy to do. Awesome. Working with seantelle made it effortless.
Car loanVery good service, quick, easy and personalized to help your situation
More Reviews »« Previous ReviewsGreat Service!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.
My Review
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Rates & Fees
Rates Effective as of: 04-01-2023
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: 04-01-2023Used 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.
