• Overview

    Auto Loans from UHFCU

    Get in the fast lane and drive away in the car of your dreams with up to 125% financing from the University of Hawaii Federal Credit Union. Whether you want a new or used car, or just want to refinance to a better rate, we’ll help you find what you need with our lowest rates ever!

    Your dream loan for your dream car.

    • Easy pre-approval program
    • Up to 125% financing of MSRP or NADA retail value
    • Maximum loan amount: $150,000
    • Great terms – 12 to 84 months
    • No pre-payment penalty

    Choose Purchase or Refinance to get started!

    Purchase Refinance

    INSTANT
    Loan Review

    See how much you can save on monthly payments in seconds.

    NO CREDIT CHECK REQUIRED!*

    Get Started

    Always very professional and courteous. Going the extra mile and helping out in a caring way.

    - UHFCU Member

    Protect the investment in your vehicle.

    GAP (Guaranteed Asset Protection) Advantage. Protect the value of your vehicle with GAP Advantage. GAP Advantage covers the “gap” between the vehicle’s value and the amount you still owe in the event your vehicle is stolen or totaled in an accident. Call or visit to learn more.

    Mechanical Breakdown Protection. A comparable, more affordable version of your auto dealer’s extended warranty, Mechanical Breakdown Protection by Member Care Driver Protection extends coverage to virtually all mechanical and electrical components of your vehicle. Call or visit to learn more.

    Learn More

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  • 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.

  • Calculator

    Calculate Your Auto Loan Payment

  • FAQ

    FAQs

    • How do I get pre-approved for an auto loan?

      Complete our online application in minutes, or stop in and speak with a Member Service Representative. By getting pre-approved, you will know how much you can spend to give you more power at the dealer.

    • Can I refinance an existing auto loan?

      Yes! With credit approval, we can refinance your existing loan from another financial institution and to reduce your interest rate and monthly payments.

Terms

*Annual Percentage Rate (APR) accurate as of 10/1/2023. Subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest available, including a 0.25% discount for automatic payment. Certain restrictions and promotional terms may apply.

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Attention! You are now leaving the University of Hawaii Federal Credit Union website. The University of Hawaii Federal Credit Union (UHFCU) does not control the security or privacy practices used at the following website. Periodically, UHFCU's website may include information from third parties and/or links to other websites. UHFCU does not make any warranties, express or implied, regarding any third party information or links to alternate websites. In addition, UHFCU assumes no responsibility for the accuracy or reliability of the content provided by third parties. If you click "CONTINUE", an external website will be opened in a new browser window. If you click "CANCEL", you will be returned to the UHFCU website.


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