Auto Loans

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At Hickam Federal Credit Union, there is no down payment required* for a loan on your vehicle. Plus, we offer even greater payment flexibility through a variety of lending options, including loan limits based on MSRP for new vehicle purchases and/or Kelley Blue Book retail values for pre-owned autos.

We have also combined resources with Credit Union Direct Lending (CUDL) to provide you with the best possible options to make your auto buying experience easier. We're now able to finance your auto loan right at the dealership**! It's almost like having your own personal Hickam FCU loan officers exactly when and where you need them! Click here to visit the CUDL website for car-buying tips, to find new or used car listings, get pre-approved online, and more!

* Certain restrictions may apply.
** Limited to participating CUDL dealerships.

Features
Rates
Refinancing Consultation
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New Auto

Up to 120% financing of MSRP, which may include tax, license, GAP, extended warranty or other auto related add-ons.
No down payment required.*
Flexible terms to fit your budget.
Easy Pre-Approval Program.

Used Auto

Up to 100% financing of Kelley Blue Book Retail Value, which may include tax, license, GAP, extended warranty or other auto related add-ons.
Flexible terms to fit your budget.
Easy Pre-Approval Program.

Click here to see the latest rates.

Thinking about taking advantage of lower interest rates and refinancing your auto loan? Considering whether to change the length of your loan and to lower your monthly payments? We can help you weigh the money-saving choices before you make a final decision.

It takes just a few minutes to complete the online loan application. After submitting the application, a loan officer will be contacting you of our decision, shortly.

Or, you can call us to set up an appointment and stop by one of our branches to apply in person. Please bring the following items at least 15 minutes prior to your loan appointment time:

Completed Loan Application.
Verification of all income.

If you are applying for a new or used auto loan, your insurance policy must have not more than a $500 deductible on comprehensive, fire, and theft coverage and not more than a $500 deductible on collision. The Loss Payable Clause must also name Hickam Federal Credit Union as the Loss Payee.