• Overview

    Get the Auto Loan rate you deserve!

    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.*

    We’ll not only lower your Auto Loan rate or payment, but we’ll also give you 1.00% OFF our low, standard 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.*

    Apply Now

  • 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 Monthly Payments

    Loan Payment Calculator

*APR = Annual Percentage Rate. 1.00% discount off qualifying rate applies to respondents with credit scores 625 and above. Additional rate discount available for automatic payment from a UHFCU checking account. You have been pre-approved for the UHFCU minimum auto loan amount of $2,500. Offer begins 2/1/24 and ends 2/29/24. Loan must fund by 3/4/24. Rate may vary depending on each individual’s credit history and underwriting factors. Rates range from 5.00% APR to 12.50% APR. Auto loans currently financed through University of Hawai`i Federal Credit Union are not eligible for this offer. Offer applies to your Auto Loan with approximately <> and <> balance remaining and <> monthly payment. Available for vehicle model years 2017 and newer. Auto leases do not qualify for this promotion. Not all applicants will qualify for this offer. Your rate is determined by your credit history. Must meet credit union lending guidelines. You must be eligible for membership in University of Hawai`i Federal Credit Union to qualify for an auto loan. Rates, programs, terms, and conditions are subject to change based on market conditions and borrower eligibility. Certain restrictions apply.

Leaving Our Website

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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