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

Carla Soto
Carla Soto
Updated 13 October 2023
Fact checked

A quick review of Hawaii Community Federal Credit Union auto loans

Hawaii Community Federal Credit Union logo

Hawaii Community Federal Credit Union (HCFCU) offers convenient and low-cost vehicle financing options to Hawaii Island. Qualified Hicommfcu members can borrow up to 125% for as low as 6% APR. Plus, members can extend their loan terms for up to 84 months.

Want to see what an HCFCU auto loan will cost? Try the Hawaii 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 Community Federal Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Up to 125% of the MSRP.
  • Interest rates: From 6% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

HAWAIIAN FEDERAL CREDIT UNION AUTO LOAN OPTIONS

New and used vehicle loans

HCFCU has auto financing choices with low rates and workable repayment periods of up to 84 months. You can buy or refinance used and new cars, trucks, and SUVs starting at 6% APR. Then, vehicles that are older than 2018 start at 8.50% APR. While you can borrow up to 125% of the MSRP, remember that your rate and overall loan are subject to credit approval.

Hawaii Community Federal Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
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Loan Amount

$25,000

Term

60 months

Change
Hawaii Community Federal Credit Union

Hawaii Community Federal Credit Union auto loan

Hawaii Community 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 Community 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

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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 Community FCU auto loan

Eligibility criteria

Hawaii Federal Credit Union doesn’t specify the criteria for vehicle financing. However, you usually need to be:

  • A Hicommfcu member
  • 18 years old or older
  • Employed or have a stable source of income

Also, consider the auto loan fees you may need to pay. This will help you compare other offers and financing options to find the best deal that works for you.

How to join Hawaii Federal Credit Union

Membership is open to anyone who meets one of the following:

  • Live, work, worship, study, or perform volunteer services on Hawaii Island
  • An immediate relative, household member, or organization of anyone who meets the criteria above
  • Any business or legal entity located on Hawaii Island
  • An immediate relative of a member or potential member of HCFCU
  • A household member of a current member even if the residence is outside Hawaii Island

What you’ll need to have ready

Personal details

When you apply for auto financing with Hawaii Federal Credit Union, 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 HCFCU 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.

Remember though that each credit union differs in its requirements. To get your auto loan approved faster, try to prepare the needed documents ahead of time.

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

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-514-2328

Additional Hicommfcu auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it can be a day to a few weeks based on your application.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, automatic payments, and in a branch.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

  • Maximum vehicle age: Unspecified.
  • Maximum vehicle mileage: Unspecified.
  • Other vehicle restrictions: Unspecified.

PROS AND CONS

Pros

  • Competitive interest rates.
  • Flexible loan terms.
  • Up to 125% financing options.
  • Easy online application.
  • Purchase and refinance available.
  • Autopay available.
  • Optional mechanical repair coverage and GAP available.

Cons

  • Undisclosed loan fees.
  • Membership requirements.
  • Lack of loans for other vehicle types, like RVs, boats, and motorcycles.
  • Unspecified vehicle requirements.

FREQUENTLY ASKED QUESTIONS

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

You can fund your vehicle for up to 84 months. But note that your loan term may vary based on your loan and overall credit standing.

How much do I qualify for with a Hicommfcu vehicle loan?

You may borrow up to 125% of the Manufacturer’s Suggested Retail Price depending on your situation.

How many pay slips does HCFCU require during my auto loan application?

Even if HCFCU doesn’t specify the number of required pay slips, you commonly need to prepare your 2 most recent pay stubs.

Can I apply for a Hawaii Federal Credit Union car loan online?

Yes. You can submit your auto loan application online or visit one of the credit union’s branches.

Will applying for a vehicle loan with HCFCU affect my credit score?

Formally applying means Hicommfcu will need to do a hard credit check. Since this will appear on your credit report, this will lower your score by a few points. To lift your credit score, ensure you meet your monthly payments.

Does HCFCU refinance auto loans?

You can refinance your existing car loan to take advantage of the credit union’s interest rates, terms, and membership perks.

Video: Hawaii Federal Credit Union HI Now Segment 2021

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.

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