Purchase or Refinance?
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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 ReviewSee how much you can save on monthly payments in seconds.
NO CREDIT CHECK REQUIRED!*
Get StartedAlways very professional and courteous. Going the extra mile and helping out in a caring way.
- UHFCU MemberProtect 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.
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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. -
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FAQ
FAQs
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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.
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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.
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How do I get pre-approved for an auto loan?
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.
