Whether you are purchasing a new or used vehicle from a car dealership, or a pre-owned vehicle from a private party, HawaiiUSA Federal Credit Union can give you a car loan that fits your finances. You can also use our car-buying calculators to research your loan options, and see the additional car loan protection we provide. 

Loans for New Vehicles

  • Loans available for current and previous year's models 
  • Finance up to 125% of the MSRP
  • Terms available up to 84 months
  • No pre-payment penalty

Loans for Used Vehicles

  • Up to 115% financing available for vehicles listed in Kelley Blue Book
  • Use to refinance an existing car loan and save money 
  • Certain restrictions apply based on condition of the vehicle

 

APR=Annual Percentage Rate.

 

NEW AUTO LOAN: Financing available up to 125% of MSRP (loan to value ratio) based on credit score at time of application. Vehicle is considered “new” as long as title has never been issued to any other owner. The maximum interest rate is 18.00% APR. 84 month term available for loans $20,000.00 or higher for qualified borrowers. Not all applicants will qualify for the lowest rate, maximum loan to value ratio, or 84 month term. Payment example: A 60-month loan of $10,000 at 4.50% fixed APR will have a monthly payment of $186.23. Rates current as of November 14, 2022, and are subject to change based on market conditions and borrower eligibility. Other rates and terms available. Subject to credit review. May not be combined with other offers. Membership eligibility is required. Other restrictions may apply.

 

USED AUTO LOAN: Financing available up to 115% of Kelley Blue Book retail value (loan to value ratio) based on credit score at time of application. The maximum interest rate for this offer is 18.00% APR. Not all applicants will qualify for the lowest rate, or maximum loan to value ratio. Payment example: A 60-month loan of $10,000 at 5.00% fixed APR will have a monthly payment of $188.49. Rates current as of November 14, 2022, and are subject to change based on market conditions and borrower eligibility. Other rates and terms available. Subject to credit review. May not be combined with other offers. Membership eligibility is required. Salvage and rebuilt title vehicles do not qualify. Other restrictions may apply.

 

All calculators and tools are supplied as a courtesy only. HawaiiUSA Federal Credit Union is not responsible for the accuracy or completeness of information that you provide or information generated by the calculators. Please check your records carefully before inputting your information into the calculators or tools. All projected rates and results are estimates, are examples only, and are necessarily hypothetical in nature. No results are guaranteed. The output of the tools and calculators may vary with each use and over time. Please remember that the calculators and tools are not intended to replace the advice of qualified professionals, and you should consult with a qualified professional of your choice whenever specific advice is necessary or appropriate.