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
- Electric or hybrid vehicle? Receive a 1.00% rate discount!
Get up to $300 cash back + 60 days no payments!Learn More
Always very professional and courteous. Going the extra mile and helping out in a caring way.- UHFCU Member
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 Mercury extends coverage to virtually all mechanical and electrical components of your vehicle. Call or visit to learn more.
Auto Loan Rates
36 months 1.95%1 Apply Now 48 months 2.55%1 Apply Now 60 months 2.95%1 Apply Now 72 months 4.05%1 Apply Now 84 months 5.05%1 Apply Now
36 months 2.05%1 Apply Now 48 months 2.65%1 Apply Now 60 months 3.05%1 Apply Now 72 months 4.35%1 Apply Now 84 months 5.35%1 Apply Now
Rates are accurate as of 3/1/2022 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.
Calculate Your Auto Loan Payment
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.
- How do I get pre-approved for an auto loan?
*Annual Percentage Rate (APR). 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.