Interest rates as low as 5.75% APR*

Get more car for your money

Easy online application

Because you'd rather be driving your new vehicle than filling out paperwork

Payment plans with terms as long as 84 months

Flexible monthly payments that work for you

Up to 125% auto financing

Get behind the wheel of your dream car

Grow your money with a Share Certificate Learn more

The vehicle you want; the price you can afford with a new auto loan from HawaiiUSA Federal Credit Union.

Great interest rates and service come standard

  • Loans available for current and previous year's models (cars, trucks, SUVs, vans)
  • Finance up to 125% of the Manufacturer Suggested Retail Price (MSRP)
  • No pre-payment penalty
  • Get pre-approved for an auto loan before you go to the dealer

Get Started

Choose how much to borrow
Start shopping around for your new car and make note of how much it’ll cost to finance
Tell us about yourself
Have personal documents readily available
Complete your application
Finish every step and soon you’ll be hearing back from a HawaiiUSA Federal Credit Union representative

Frequently asked questions

A high credit score is advantageous when applying for a car loan, increasing chances of approval and improving access to better interest rates and terms. While it's possible to obtain a car loan with a lower credit score, it may come with higher interest rates and stricter terms. Improving your credit score before applying can expand options and lead to more favorable loan terms.

To start with a car loan:

  1.  Set a budget, considering down payment, monthly payments, and costs. Use our calculators to get an idea of how much car you can afford.
  2. Check your credit score. HawaiiUSA members can view their score for free in digital banking.
  3. Research rates and terms. 
  4. Apply for pre-approval to understand loan options.
  5. Choose a car within your price range.
  6. Complete the loan application and provide necessary documents.
  7. Sign the loan agreement.
  8. Make any required down payment and finalize the purchase.

Auto Loan Resources


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. A .25% discount with automatic transfer from either share draft, share account with ACH payroll deposit or payroll deduction. Payment example: A 60-month loan of $10,000 at 6.00% fixed APR will have a monthly payment of $193.23. Rates current as of October 1, 2023, 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.

New Auto Loans for an EV or Hybrid vehicle are eligible for a 0.25% discount.