Auto Loans

Your next ride is a loan away.

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Drive off with a HOCU auto loan today

Make auto financing easy – apply today

Choose Your Term

Terms up to 84 months.

Credit Union Advantage

Search, shop and finance all in one place.

No Prepayment Penalty

HOCU allows extra payments or loan payoffs before the maturity date without penalty.

Flexible Financing

Finance up to 100% of purchase price.

Fixed auto loans for all shapes and sizes

Take advantage of today’s rates and apply online. View our auto products below.

New Auto Loans
Most Popular


Let HOCU help you get into that new ride with our flexible terms and low rates. You’ll find that perfect vehicle that fits your budget.

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  • Financing up to 100% of purchase price
  • Terms available up to 84 months
  • No pre-payment penalty
  • See rates and terms

Used Auto Loans


Looking for a pre-owned vehicle or been looking to refinance a car to a lower rate? HOCU can help!

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  • Up to 100% financing for vehicles up to 9 years old
  • No prepayment penalty
  • Used auto rates as low as new auto rates
  • See rates and terms

Safeguard your vehicle with our added protection

Inquire about our extra services to help protect your new ride. Call 777-5626 for more details.

Guaranteed Asset Protection (GAP) Plus with Deductible Assitance
Most Popular


If your vehicle is deemed a total loss due to an accident or stolen, there can be a signi­ficant gap between what you owe on your loan and what your auto insurance will cover. GAP may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss. GAP Plus can help reduce your next loan at the credit union, making it easier to get the replacement vehicle you’ll need

  • GAP will cover the amount between what your insurance will pay and the remaining balance you owe on your vehicle
  • If you finance your next vehicle with HOCU, your GAP Plus insurance will pay $2,500 for your next new replacement vehicle*
  • The Deductible Assistance can provide financial relief when your vehicle is damaged but not deemed a total loss.  Covers deductible of up to $500 per occurrence.

Mechanical Repair Coverage (MRC)


Please call the Loan Department at 808-777-5626 for more information.

Stress Free Car Buying

Experience a stress-free car shopping process from pre-approved funding to getting the keys in your hand.

Credit Union Direct Lending

Do your auto financing right at the dealership – when picking your vehicle, identify yourself as a HOCU member and ask to”CUDL” it.

HOCU Advantage Program

Research cars available! We make it easy for you to find your first or next dream car. By partnering with Kelly Blue Book we’ll help you find the right vehicle at the value you want.

Estimate Your Payments

Budgeting made easy. Use our payment estimation calculator below to find the right vehicle for you.

Let HOCU Help You

A better financial future is within reach. Get in touch to get started!


General Inquiries: (808) 777-JOIN [5646]
Loan Inquiries: (808) 777-LOAN [5626]


Apply Online

To become a member and gain access to the benefits a credit union brings.

Visit Us

At one of our 5 convenient locations.

With over 30,000 surcharge-free CO-OP network ATMs across Hawaii and nationwide, HOCU makes accessing your money easier for you. Call us at 777-JOIN to learn more!

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