Auto Loans

With an auto loan from HTIFCU, you are able to purchase the car or truck of your dreams at an affordable interest rate.  Here are some of the features and options of our auto loans:

  • New and Used auto loans
  • Terms from 1-7 years
  • Up to 100% financing of the invoice price or Kelly Blue Book retail value.
  • Easy pre-approval both online, by phone or in-person!
  • Rate Match – If you get approved for a rate lower than what we offer, let us know and we will match it!
  • Refinance an existing loan!
  • Payment options such as:  payroll deductions, online bill pay or a transfer via online banking.
  • Financing may include tax, license, GAP, extended warranty, debt protection and other auto-related add ons.

To find the value of a certain vehicle, visit the Kelly Blue Book website.  Wish your existing loan rate was a bit lower, or wish you could reduce the amount of your monthly payments?  Let us refinance your existing auto loan.

  1. First, take our One-Minute Auto Loan Test. You may be surprised to find out how much more car you can drive.
  2. Call our friendly loan department staff today at (808) 942-5115 x230. We’ll get back to you right away with the answer you need.
  3. Call or visit a local auto dealer to get a price quote on the vehicle you want. Of course you’ll want to let the dealer know that you’ll be financing your vehicle with us, AFTER you’ve made your best deal.

Click Here to Apply Online!


Never miss a loan payment with auto-pay.  Each month, we can automatically deduct the payment from your HTIFCU account. Low loan interest rates are just one of the great things about being a credit union member.  Check out the Rates page for current rate info. *Loan approvals are subject to qualification and based on credit history.  Rates may change at any time without notice.  Your Annual Percentage Rate (APR) will be based upon your creditworthiness. 

Extended Warranty

We now offer extended warranty for your vehicle through a partnership with Route 66.  These packages are available on both new and used cars and trucks and offer the following benefits:

  • No deductible
  • Nation-wide coverage
  • 24/7 Emergency Roadside Service
  • 30-Day Money-Back Guarantee
  • Transferable
  • Direct claim payments via Visa/MasterCard

You can choose the term length of your extended warranty and pick the package that best fits your needs.  We offer the following options:

Easy Street (best available coverage):

  • Components Covered:  Too many to list.  The only components not covered are:  oil, brake shoes, belts, hoses, tires, tune-up items, filters, a/c coolants, exhaust and emission parts, sound reproduction, cosmetic and body parts, glass and paint.  See contract for complete listing.
  • Rental Car Allowance
  • 24 Hour Emergency Roadside Service (includes:  towing, flat tire assistance, battery jump starting, lock-out service, safe & secure package, minor adjustments)

Main Street (includes all items in Easy Street, plus):

  • Air conditioning
  • Steering
  • Brakes
  • Cooling
  • Engine
  • Fuel delivery
  • Front suspension
  • Electrical
  • Automatic transmission

First Street (Drivetrain Plus):

  • Engine
  • Standard Transmission
  • Automatic Transmission
  • Drive Axle Assembly (2-Wheel Drive)
  • 4-Wheel/All-Wheel Drive
  • Cooling
  • Electrical
  • 24 Hour Roadside Service

For more info or a price quote, please contact a Loan Representative today!  (808) 942-5115 x230. You will need to have the following info ready:  Car make, model, year and mileage.