Interest rates as low as 5.75% APR*

Get more car for your money
(Price reflects all eligible discounts)

Easy online application

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

Payment plans as long as 72 months*

Flexible monthly payments that work for you

Up to 115% auto financing*

Get behind the wheel of your dream car

For a first-rate used auto loan experience, come to us.

Sedan or SUV? Van or truck?

Whether you need a car for your daily commute or want something fun for the weekend, HawaiiUSA Federal Credit Union can help you with financing a used vehicle.

If you like your current ride but car loan rates are dragging you down, consider refinancing your existing auto loan and save money with our competitive interest rates.

  • 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

How to 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.

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. 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 6.50% fixed APR will have a monthly payment of $195.66. Rates current as of September 30, 2024, 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. Used Auto Loans for an EV or Hybrid vehicle are eligible for a 0.25% discount.