Auto Loan Rates

Our rates shift you into a higher gear

We're your co-pilot for your next auto loan

At Hawaii Community Federal Credit Union, we're proud to offer auto loan rates that help our 'ohana save money when buying the car, truck or SUV they need. They're also great for refinancing high-interest auto loans from other institutions.
New Auto Loans
Effective Date: January 28, 2023
Term APR* (As low as)
60 Months4.50%
72 Months5.00%
78 Months5.25%
84 Months6.25%
*Annual Percentage Rate. All loans are subject to credit approval. Other terms and conditions apply. Rates are subject to change without notice. Financing up to 125% of the Manufacturer's Suggested Retail Price.
New Auto Loan Payment Example: Loan amount of $1,000.00 at 4.00% APR for 60 months has a payment of $18.42
Used Auto Loans
Effective Date: January 28, 2023
Term APR* (As low as)
Vehicle Year: 2022
60 Months4.50%
72 Months5.00%
78 Months5.250%
Vehicle Year: 2021
60 Months5.75%
72 Months5.75%
Vehicle Year: 2020
60 Months5.75%
72 Months5.75%
Vehicle Year: 2019
60 Months5.75%
72 Months5.75%
Vehicle Year: 2018
60 Months6.00%
66 Months6.00%
Vehicle Year: Older
54 Months7.00%
*Annual Percentage Rate. All loans are subject to credit approval. Other terms and conditions apply. Rates are subject to change without notice. Financing up to 125% of the Manufacturer's Suggested Retail Price.
Used Auto Loan payment example: Loan amount of $1,000.00 at 4.00% APR for 60 months has a payment of $18.42.
Frequently Asked Questions

You can apply for a loan online or in-person at a branch.
 

We offer mortgage, land, construction, small business, educational, personal, auto, and credit card loans.
 

Our current loan rates can be found on our rates page.

 
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