Apply for an Auto Loan
Aloha and thank you for thinking of HFS Federal Credit Union!
Aloha and thank you for thinking of HFS Federal Credit Union!
New Members
Complete your application online or visit your nearest HFS branch to meet with a Loan Officer.
Current Members
Log in to Online Banking for a quicker application process.
If you prefer to complete your application in-branch with a Loan Officer, please visit us at your nearest HFS branch location.
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%.
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.
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.
So 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!
Leila 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!
I 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!
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!
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.
I 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!
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!!!
Over all, I was very satisfied with the auto loan and most of all the low interest rate.
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.
Love the service very professional and knowledgeable
I got an auto loan and I was very easy to do. Awesome. Working with seantelle made it effortless.
Very good service, quick, easy and personalized to help your situation
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% |
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 discounts available, applicable to the rates table:
Calculate your monthly payments or see how much you can afford.
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.
See our Rates tab for our most up to date Auto Loan rates.
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.
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