First-Time Car Buyer Program

Your first car isn’t just four tires and some metal, it’s an extension of who you are. That’s why you need a loan that fits your personality, as well as your budget. Our first time low-rate loan is great whether you want to arrive in style, or you just got your first job and need a reliable vehicle to get you there. We want to make the application process fit your schedule, so you can apply online or schedule an appointment to apply at your nearest branch.

  • Perfect for your first car purchase
  • Loans for  low credit scores or no credit
  • 0.25% interest rate discount when you use Auto Transfer/Payroll Deduction
  • 0.25% interest rate discount for successfully completing HawaiiUSA's LEAP* online education course, Drive Away Happy
  • 0.50% interest rate discount for 20% cash down payment of the vehicle purchase price

* Life Events Assistance Program (LEAP) is HawaiiUSA's financial education initiative. LEAP provides HawaiiUSA's employees, members and neighborhood communities with comprehensive financial education, tools and resources. HawaiiUSA is committed to being recognized as the financial institution that goes above and beyond to help our clients attain their financial goals.