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Auto Loans

Auto Loans Made Simple, Local, and Stress‑Free

At Lōkahi FCU, we’re working to make car buying better, together. You can apply online in just a few minutes or stop by a branch to talk story with our team. We’ll help you understand your rate, choose a term that feels right, and lock in a budget before you step onto the lot. No fluff. Just clear guidance, quick decisions, and support from people who live and work in the same neighborhoods you do.

Whether you’re getting your first set of wheels, upgrading the family car, finally treating yourself to that dream truck, or moving to a hybrid or EV for the daily commute, we’re here to help you compare options and keep monthly costs comfortable. You’ll get straight answers, transparent terms, and flexible perks like Skip‑A‑Pay once a year** so your loan fits your lifestyle.


Choose the Auto Loan That Fits Your Needs

Below are the three ways members typically finance with us. Each one is designed to give you flexibility, clarity, and confidence.

New Auto

If you’re eyeing a new ride with the latest features, this loan helps you set your budget and build in the extras you want ahead of time.

  • Up to 140% of MSRP, including taxes, license, GAP, extended warranty, and other add‑ons
  • No down payment required
  • A range of terms so you can choose a monthly payment that fits
  • Fast pre‑approval online or in‑branch
  • Skip a payment of your choice once per year with Skip-A-Pay**.

Used Auto

If you’re looking at pre‑owned, this loan helps you set your budget and keep things simple from first look to final signature.

  • Up to 120% of Kelley Blue Book Retail Value, including taxes, license, GAP, and other add‑ons
  • Terms designed to keep monthly payments predictable
  • The same quick, simple pre‑approval process
  • Skip a payment of your choice once per year with Skip-A-Pay**.

Eco-Auto

If you’re ready for fewer — or even no — gas stops, or you want a ride that keeps maintenance simple, a hybrid, plug‑in hybrid, or EV might be the right move. And if you’re choosing a more eco‑friendly option, we’re here to help you save a little more along the way.

  • 0.50% APR Eco‑Friendly Discount* on our standard auto loan rates
  • Up to 140% financing for new eco‑friendly vehicles and 120% for used, which may include taxes, license, GAP, extended warranty, and EV essentials such as a home Level 2 charger and charging cables or adapters; eligibility varies
  • No MPG requirement to qualify
  • Fast pre‑approval online or in‑branch
  • Skip a payment of your choice once per year with Skip-A-Pay**.

Why choose this option:
You get cost savings on fueling and maintenance, plus a financing perk that rewards you for choosing a more sustainable way to drive.

Auto Loan Refinancing

Love your car, but not the payment? Let's talk story and see if a refinance could lighten your monthly payment. If you've built your credit since you bought, if today's rates look better than when you signed, or if you financed through the dealership and want to compare, our team will walk you through what refinancing your existing auto loan could do for you.

How a refinance may help

  • Make your payment fit better with your budget.
  • Pay off your vehicle sooner by choosing a shorter term if that works for you.
  • Replace a high‑rate loan you picked up at the elsewhere.
  • Update the loan if you need to remove or add a co‑borrower.

What happens in a quick visit

  • We review your current payoff, rate, and remaining term.
  • We show clear side‑by‑side options so you can compare payments and timelines.
  • You decide what feels right. No pressure, just straight answers.

Good to know

  • A longer term can lower your monthly but may mean paying more over time. We’ll flag the trade‑offs so there are no surprises.

Ready to explore your refinance options?

Contact us today to schedule a consultation.

 

*APR is Annual Percentage Rate. The 0.50% APR discount will apply to Lōkahi 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 140% MSRP for New Auto Loans and 120% 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.

**Pleases refer to our Skip-A-Pay Terms & Conditions for details

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 Lōkahi FCU. The dealer will arrange your Lōkahi FCU auto loan financing right there at the dealership!*

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

Find your next car

*Limited to participating CUDL dealerships.

Lōkahi FCU Mobile App

Same friendly faces, now in the palm of your hand—download the Lōkahi Mobile App

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Skip-A-Pay

Navigate your way through life's surprises by taking advantage of our all-new Skip-A-Pay program

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Credit Cards

Our credit cards feature competitively low interest rates, no annual fee and no balance transfer or cash advance fees.

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First Time Borrower Program

This program provides first time borrowers an opportunity to build their credit.

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Become a Member

We have three convenient ways to open an account today.

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