-
Overview
Get the Auto Loan rate you deserve + $100 cash!
YOU'RE PRE-APPROVED to refinance your Auto Loan!
Thanks to your outstanding credit history, you’re pre-approved by the University of Hawai`i Federal Credit Union (UHFCU) to refinance your Auto Loan at limited-time-only, discounted rates.*
NO CREDIT PULL REQUIRED! And, in most cases, you’ll receive the funds the same day you bring this letter to any UHFCU branch.*
Plus, we’ll give you a $100 CASH REWARD when you open a Checking account with promo code “SCORE100”, use your Debit Card to make 5+ purchases for $50, and enroll in e.Statements!
-
Rates
Auto Loan Rates
Term APR* Apply Now New Auto/Truck
36 months 5.25%1 Purchase 48 months 5.50%1 Purchase 60 months 5.75%1 Purchase 72 months 6.25%1 Purchase 84 months 7.25%1 Purchase Used Auto/Truck
36 months 6.00%1 Purchase Refinance 48 months 6.25%1 Purchase Refinance 60 months 6.50%1 Purchase Refinance 72 months 7.25%1 Purchase Refinance 84 months 8.25%1 Purchase Refinance Rates are accurate as of 10/1/2023 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available, including a discount for automatic payment. Certain restrictions and promotional terms may apply.
AUTO LOAN
*Annual Percentage Rate (APR). 2.99%, 3.49%, or 3.99% rate applies to 60-month (or less) Auto Loan and is the lowest rate available for that term. Automatic payment required to earn full rate discount. Sample monthly payment on a $35,851 loan with 2.99% APR for 60 months would be $644.04. Applications must be received between 12/1/25 and 1/16/26. Loan must fund by 1/31/26. Higher (or lower) rates may apply depending on term and credit history. Loan offer is intended to refinance your existing auto loan with another financial institution as of October 31, 2025. All loans subject to standard underwriting guidelines and approval. Proof of income required. This offer is not guaranteed if you do not meet our criteria. Valid for U.S. residents in HI, AK & 48 continental United States (due to varying local restrictions/requirements, vehicles located or registered outside of HI must be purchased from a dealer). Rates and offer are subject to change without notice. Certain terms, exclusions, and conditions may apply.
$100 CASH REWARD
Offer valid from 12/1/25 through 1/31/26. Use promo code “SCORE100’ online at UHFCU.com or in-branch to receive $100 in your UHFCU Savings account when you open a new Checking account and complete the following within 60 days of account opening: 1) Complete five (5) UHFCU debit card purchases totaling at least $50 AND 2) Enroll in e.Statements. This offer is available to new UHFCU members who open a new UHFCU checking account within the promotional period (Note: Existing members should ask about our Referral Program!). Membership eligibility requirements apply. Accounts must be in good standing at the time of qualification and reward distribution to receive a reward card. The primary owner of the new account must have a social security number on file. Reward will be granted to primary owners only. One reward per account only. Allow 4-6 weeks for delivery of your Reward Card after completing all offer requirements. Reward Card may be reported as income to the IRS. Recipient is responsible for any federal, state, and/or local taxes on reward items. May not be combined with any other offer. Certain restrictions may apply.
