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Auto Loans

We make buying a vehicle, or refinancing an existing car loan from another financial institution, easy and affordable!

We offer greater payment flexibility through a variety of lending options, including higher loan limits based on MSRP for new vehicle purchases and/or Kelley Blue Book retail values for pre-owned autos.

Before going to the dealership, visit any Hickam FCU branch to be pre-approved for an auto loan to make your car buying experience quicker and easier. Or, save time by applying for an auto loan online.

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.
  • A range of terms to fit your budget.
  • Easy Pre-Approval Program.
Apply Now

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.
  • A range of terms to fit your budget.
  • Easy Pre-Approval Program.
Apply Now


For New or Used Electric or Hybrid cars, SUVs, vans, or light trucks, Hickam FCU Eco-Auto Loans features:

  • Receive an "Eco-Friendly" 1.00% APR* Discount off our already low Auto Loan Rates.
  • Up to 120% financing for New vehicles and 100% financing for Used.
  • Miles per gallon is not a qualifying factor.
Apply Now

*APR is Annual Percentage Rate. The 1.00% APR discount will apply to Hickam FCU standard auto loan rates for New or Used vehicles which is determined by an individual's credit performance. Qualifying vehicle must be designated as Electric or Hybrid. Maximum loan amounts are based on 120% MSRP for New Auto Loans and 100% Kelley Blue Book Retail Value for Used Auto Loans which both may include tax, license, GAP, extended warranty or other auto related add-ons. All loans are subject to approval. Certain terms and
conditions apply. Rates subject to change.

Credit Union Direct Lending (CUDL).

Search. Shop. Finance. Your Stress Free Car Buying Experience!

Through CUDL, we make your auto buying experience convenient and stress free. Use the online shopping resource tool to research available inventory and deals from various local auto dealers. Find new or used vehicle listings. Learn car-buying tips. Get pre-approved online.

Then, visit the showroom and let the dealer know you are ready to CUDL the deal through Hickam FCU. The dealer will arrange your Hickam FCU auto loan financing right there at the dealership!*

Visit Hickam FCU's Auto Buying Resource for a stress-free, online car-buying experience

*Limited to participating CUDL dealerships.

Mechanical Repair Coverage

As vehicles get older and miles add up, the likelihood for repairs increases. Mechanical Repair Coverage can help you limit out-of-pocket, costs for covered breakdowns.

To research, compare and buy Mechanical Repair Coverage, visit 
or call (866) 998-0750 where you can take advantage of:

  • Convenience - easy-to-use, 24/7 online shopping experience
  • Customer service - expert service through a dedicated call center
  • Monthly payment - through a convenient monthly payment plan that fits your budget

Protect yourself from the unexpected costs of an auto repair. learn more

Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., in FL, LA , and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 800.752.6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In CA, where Mechanical Repair Coverage is offered as insurance (form MBIP 08/16), it is underwritten by Virginia Surety Company, Inc. Coverage varies by state. Replacement parts may be used or remanufactured. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product. MRC-2341946.2-1020-1122 © CUNA Mutual Group 2020

Auto Loan Refinancing Consultation

Thinking about refinancing your auto loan at a lower interest rate? Considering whether to change the length of your loan and to lower your monthly payments? Let us help you with these money-saving choices.

Contact us today to schedule a consultation to help with your auto loan refinancing decision.

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