Participating Auto Dealerships

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.