All Loans > Auto Loans > Hawaii State Federal Credit Union Auto Loans Calculator
Important disclosure

Hawaii State Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 13 October 2023
Fact checked

A quick review of Hawaii State Federal Credit Union auto loans

Hawaii State Federal Credit Union logo

Hawaii State Federal Credit Union (HSFCU) provides low-cost and flexible vehicle financing to residents of Hawaii. Starting at 4.75% APR, you can secure your new car. And if you’re looking for a two-wheel ride, HSFCU offers affordable new and pre-owned motorcycle loans, too. Plus, you can take advantage of HSFCU’s rate and auto insurance discounts.

Want to see what an HSFCU auto loan will cost? Try the Hawaii State Federal Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Hawaii State Federal Credit Union auto loan features

  • Minimum loan amount: $2,500.
  • Maximum loan amount: Up to 100% including tax, title, and license.
  • Interest rates: As low as 4.75% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Autopay and auto insurance discounts.

HAWAIIAN STATE FEDERAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

HSFCU has vehicle financing and refinancing options with low interest rates and longer repayment terms of up to 84 months. For as low as 4.75% APR, you can lock in new auto loans, while used auto loans start at 5.50% APR. Then, rates start at 7.15% APR for vehicles that are 7 years old.

Motorcycle loans

You can choose from new and used motorcycle loans with terms of up to 7 years, too. With this loan, you may borrow up to 100%. Rates start as low as 6.25% APR for new motorcycle loans. Then, the starting rate for pre-owned motorcycles is 7% APR.

Hawaii State Federal Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Hawaii State Federal Credit Union

Hawaii State Federal Credit Union auto loan

Hawaii State Federal Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Hawaii State Federal Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

SeeLoans.com provides factual information about financial products. While SeeLoans.com attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at the time of publishing. The information published on SeeLoans.com is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product, you will be dealing directly with that provider and not with SeeLoans.com. SeeLoans.com recommends reading the relevant product disclosure statement or product guide before taking up any financial product offer. Please view SeeLoans.com's Terms of Use for more information.

Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Hawaii State FCU auto loan

Eligibility criteria

To qualify for vehicle financing from HSFCU, you typically need to be:

  • An HSFCU member
  • A Hawaii resident
  • 18 years old or older
  • Employed or have a stable source of income

Note that applicants in good credit standing tend to get the lowest interest rates. So, try to boost your credit score before applying, too. This will increase your chances of getting approved and saving more bucks over the life of the loan.

How to join HSFCU

Membership is open to anyone who is:

  • An active and retired employee of the State of Hawaii, City and County of Honolulu, Maui County, and Hawaii State FCU
  • An immediate family and household member of an eligible person
  • A spouse of a person who died while within the field of membership
  • An employee or member of a Select Employee Group located in the State of Hawaii and enrolled with Hawaii State FCU

What you’ll need to have ready

When you apply for auto financing with Hawaii State FCU, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide HSFCU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Other than preparing these documents, it helps to know the steps in getting a car loan, too. This will prepare you for the process and help you get your auto loan approved sooner.

Ways to apply for a Hawaii State Federal Credit Union auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (808) 587-2700

Additional Hawaii State FCU auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but the turnaround time may be 1 business day to a few weeks based on your application.
  • Rate discounts: 0.25% APR off with autopay from a Hawaii State FCU checking account.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Mobile app, online banking, over the phone, by mail, and in person.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

  • Maximum vehicle age: Up to 7 years old.
  • Maximum vehicle mileage: Unspecified.
  • Other vehicle restrictions: Unspecified.

PROS AND CONS

Pros

  • Low interest rates.
  • Longer repayment terms.
  • No down payment required.
  • Borrow up to 100%.
  • No prepayment penalty.
  • Joint applications allowed.
  • Convenient online application.
  • 0.25% rate discount with automatic payments.
  • Discounted auto insurance.
  • Fixed monthly payments.

Cons

  • Limited to Hawaii residents.
  • Undisclosed loan fees.
  • Lack of options for recreational vehicle and boat loans.
  • Membership requirements.

FREQUENTLY ASKED QUESTIONS

Can I repay my HSFCU vehicle loan early?

Yes. You can pay off your loan early without added cost because Hawaii State FCU doesn’t charge prepayment penalties.

How much do I qualify for with a Hawaii State Federal Credit Union auto loan?

You can borrow up to 100%. Remember though that your maximum loan amount may vary based on your creditworthiness and overall situation.

What is the maximum term of a Hawaii State Federal Credit Union car loan?

You can make your loan payments for up to 84 months.

Are HSFCU auto loan interest rates fixed or variable?

Hawaii State FCU’s auto loans have fixed annual percentage rates, so you can enjoy fixed monthly payments.

Are there discounts available on Hawaii State FCU car loans?

You can qualify for a 0.25% rate discount when you set up automatic payments from your Hawaii State FCU checking account. Plus, you can get member discounts for your auto insurance from Farmers Insurance Hawaii.

Will applying for auto finance with Hawaii State FCU affect my credit score?

HSFCU will conduct a hard credit check when you apply for an auto loan. This will then appear on your credit report and cause a slight drop in your score. Nonetheless, you can build your credit score by consistently meeting your monthly loan payments.

How to apply for a vehicle loan at Hawaii State FCU?

You can call (808) 587-2700 or 1 (888) 586-1056, apply online, or schedule an appointment at one of the credit union’s branches.

Video: Digital banking highlight – Credit score service

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

.

Seeloans.com provides factual information in relation to financial products. While Seeloans.com attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at the time of publishing. The information published on Seeloans.com is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with Seeloans.com. Seeloans.com recommends that you read the relevant product disclosure statement or product guide before taking up any financial product offer. For more information please see Seeloans.com’s Terms of Use and Services Guide.

© 2025 Seeloans.com