Auto Loans | Lokahi Federal Credit Union

Enjoy a hassle-free car buying or refinancing experience with Lōkahi FCU! We're here to make vehicle ownership easy and affordable by offering you greater payment flexibility with options tailored to your needs, including higher loan limits based on MSRP for new vehicles and Kelley Blue Book retail value for pre-owned vehicles.

Before you hit the dealership, swing by any of our branches or apply online to get pre-approved, ensuring a quicker and more seamless shopping experience!

We're making your vehicle purchase process better, together.

New Auto

Up to 140% 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.
Skip a payment of your choice once per year with Skip-A-Pay**.

Used Auto

Up to 120% 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.
Skip a payment of your choice once per year with Skip-A-Pay**.

Eco-Auto

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

Receive an "Eco-Friendly" 0.50% APR* Discount off our already low Auto Loan Rates.
Up to 140% financing for New vehicles and 120% financing for Used.
Miles per gallon is not a qualifying factor.
Skip a payment of your choice once per year with Skip-A-Pay**.

*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.

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.

Card Control

Our Card Control app offers various tools to help protect your identity and finances.

Card Control Details

Skip-A-Pay

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

Program Details

Credit Cards

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

Credit Card Details

First Time Borrower Program

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

Program Details

Become a Member

We have three convenient ways to open an account today.

Join Us