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 personal > Auto Loans

Auto Loans

Whether it’s purchasing a new or used car or refinancing your auto loan, we have competitive rates to meet your needs.

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New & Used Auto

As Low As

2.49%APR*

48 Estimated Monthly Payments of $21.91

(Example Payment per $1,000)

New & Used Auto

As Low As

2.74%APR*

60 Estimated Monthly Payments of $17.86

(Example Payment per $1,000)

New & Used Auto

As Low As

3.74%APR*

72 Estimated Monthly Payments of $15.53

(Example Payment per $1,000)

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Hybrid Auto Loan

2.99%APR*

48 estimated monthly payments of $22.14

(Example Payment per $1,000)

Hybrid Auto Loan

2.99%APR*

60 estimated monthly payments of $17.97

(Example Payment per $1,000)

Hybrid Auto Loan

2.99%APR*

72 Estimated Monthly Payments of $15.19

(Example Payment per $1,000)

New and Used Auto Loans

Hawaii Central puts you in the driver’s seat with great rates on new and used auto loans.

Hybrid Auto Loans

If you are in the market for an electric or hybrid energy-efficient auto, we can assist you with our special hybrid loans.

Guaranteed Asset Protection Plus (GAP PLUS)

Our Guaranteed Asset Protection (GAP) program can help cushion you and your family against sudden out of pocket expenses and goes beyond traditional GAP protection. 

GAP Plus may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan, if your vehicle is deemed a total loss. Plus, it helps you get into your next vehicle by reducing your next loan at the credit union.

Deductible Assistance is designed to provide financial relief when your vehicle is damaged, but not deemed a total loss. If auto repairs cost more than your deductible, the deductible amount is applied to your loan, reducing what you owe.

Mechanical Repair Coverage (MRC)

As your vehicle gets older and miles add up, will you be able to afford the repairs you need to keep your car on the road? Big unexpected repairs can happen after your factory warranty expires. Mechanical Repair Coverage (MRC) can help you limit the cost of covered breakdowns. Get MRC today so you can worry a little less about tomorrow.

*APR=Annual Percentage Rate.