Skip to main content

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.

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.

Eco-Auto

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.
  • Save even more with additional rate discounts by setting up Automatic Loan Payment and by applying Online.

*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 car buying experience!

Hickam FCU Auto Buying Resource

*Limited to participating CUDL dealerships.

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.

New Auto Loan Special. Rates as low as 1.99%APR for a 60 month term

*Annual Percentage Rate (APR) disclosed for this special is the lowest rate available based on a 60-month term and includes a 0.50% APR discount for set up of Automatic Payment through a Hickam FCU deposit account. ECO Auto Loan discounts do not apply to this promotion. Higher rates may apply depending on loan term, collateral, member's credit performance, and/or the cancellation of automatic payment. **Maximum loan amounts are based on 140% MSRP for New Auto Loans which may include tax, license, GAP, extended warranty or other auto related add-ons. At 1.99% APR, the monthly payment amount for a $30,000 New Auto loan with a 60-month term would be $557.03. No refinancing of existing Hickam FCU auto loans for this promotional rate. Other rates and terms available.
***Same-day loan decisions for completed applications received prior to 12:00 p.m. Monday thru Friday during HFCU business hours. Loan decisions for completed applications received after 12:00 p.m. or on Saturday, Sunday or holidays will be made on the next business day. All loans are subject to qualifications and approval. Certain terms and conditions apply. Rates are subject to change without notice. Hickam FCU membership required. Offer effective 10/1/2019 thru 12/31/2019.

Go to Hickam FCU Facebook Go to Hickam FCU Twitter Go to Hickam FCU Instagram