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
HFS FCU is the bestBeen with HFS for about 25 years now. They ALWAYS have good service...and still does!
SUPER FAST AND FRIENDLYThis was the fastest and smoothest loan process i have ever encountered very happy with hfs
Another Great Experience!I have worked with HFS FCU in the past, Lola Wakida is such a great Loan Officer. I always work with her. Everything was done in a timely manner.
Excellent!!!What else is there to say friendly people and they are there always to help..
Very convenient areaMy loan officer was very helpful and very informative.
Great service, and ratesVery satisfied with the rates that I got for the auto loan. Took a while to get a response due to the volume of loans that came in for the special, but was no big deal. Once I got a response, service was fast and great.
Eazy BreezyEven though the online form was not working correctly the customer service over the phone was great. The communication from the lending agent at HFS was great and friendly. I didn't even have to go into the bank to sign the documents!
Wow - I saved a lot over the life of the loanThank you HFSFCU team for your excellent spirit and accommodating demeanor. I saved a few interest points over the life of the loan and am just really stoked about the loan package I received. Special thanks to Leila and Sandra for their amazing kokua - five stars.
My auto loan experience!I recently got my auto loan with HFS and I am completely satisfied! Fast and easy! Did all my signing online. Loan officer (Mel) came to see me personally to congratulate me at my work place once the loan had been approved! WHO DOES THAT NOW DAYS? That's customer appreciation and service!! ( I give her 10 STARS)
Auto LoanBest customer service and always helped me financially. HFS has always been my first choice for loans and best rates available. Treated me better than family.
Loan/ AutoJust finished my Loan with HFS and the people there are great!! Daniell, Rebecca an Kiana are like family, our whole family loves dealing with them, will do another Personal Loan soon to take care of bussiness an would'nt do it any where else, Thank You HFS
More Reviews »« Previous ReviewsGreat offerI got my auto loan with HFS and was really happy that the process was so fast and easy!
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.
