Enjoy a hassle-free car buying or refinancing experience with Hickam 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**.
  

Apply Now

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**.

Apply Now

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" 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**.

Apply Now

*APR is Annual Percentage Rate. The 0.50% 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 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).

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, online car-buying experience

*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.