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 Months | 4.50% |
| 72 Months | 5.00% |
| 78 Months | 5.25% |
| 84 Months | 6.25% |
*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
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 Months | 4.50% |
| 72 Months | 5.00% |
| 78 Months | 5.250% |
| Vehicle Year: 2021 | |
| 60 Months | 5.75% |
| 72 Months | 5.75% |
| Vehicle Year: 2020 | |
| 60 Months | 5.75% |
| 72 Months | 5.75% |
| Vehicle Year: 2019 | |
| 60 Months | 5.75% |
| 72 Months | 5.75% |
| Vehicle Year: 2018 | |
| 60 Months | 6.00% |
| 66 Months | 6.00% |
| Vehicle Year: Older | |
| 54 Months | 7.00% |
*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.
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.
Membership Benefits
A better home for your money.
Enjoy personalized service, low fees, higher deposit rates and more.