New & Used Auto Loans


Find out the value of new or used cars from the Kelly Blue Book. These values are just a guide and may not coincide with Hawaiian Financial FCU's lendable amount.

Do you have an auto loan with another financial institution?
Is it a higher rate?
Do you want to save money?

Then, refinance your auto loan with Hawaiian Financial FCU.

  • Interest rate will correspond to whether or not the car was financed as a new or used car previously.
  • Maximum term of the loan will be 5 years.
  • Maximum loan amount will be the remaining balance of the members' existing loan.
  • All previous guidelines still apply for purchases of new or used automobiles.
  • Maximum age of the automobile must be 6 years old to finance.

See just how much you can save at Hawaiian Financial FCU. Review our rates and see what you can afford with our loan calculator. Our loan calculators will provide you with monthly payments and interest paid based on the term of the loan.

 

After you find how much Hawaiian Financial FCU will save you, fill out our online application.

 
New & Used Auto Loan Rate
Type of Loan
 
Term
APR+
 

New Auto
 
3 Years
1.95%
 
 
 
 
4 - 5 Years
As low as 2.75%
 
 
 
 
6 Years
As low as 3.75%
 
 
 
 
7 Years
As low as 4.75%
 

Used Auto
 
3 Years
1.95%
 
 
 
 
4 - 5 Years
As low as 2.75%
 

Non-purchased Used Auto
 
Up to 3 Years
As low as 8.50%
 
 
 
 
4 Years
As low as 8.75%
 
 
 
 
5 Years
As low as 9.75%
 

These are the lowest APRs available. You APR will be based on your creditworthiness. Payment example: A loan of $10,000 with a 6.00% APR will have the following payment and total interest paid at the following loan terms:

Term
No. of Payments
Monthly P&I
Total Interest Paid
1 Year
12
$861.00
$326.51
2 Years
24
$443.00
$622.60
3 Years
36
$304.00
$923.45
4 Years
48
$235.00
$1,226.67
5 Years
60
$193.00
$1,539.79
6 Years
72
$165.00
$1,860.27
7 Years
80
$146.00
$2,169.69

+ Annual Percentage Rate
All rates are subject to change without notice and are effective as of September 4, 2018.

The Annual Percentage Rate that you receive will be within the disclosed range and is based on certain creditworthiness factors. Please contact us for the rate you qualify for.

If you need additional information, please email the Loan department at loans@hificu.com or call 1-808-832-8740.