Auto Loans

Wailuku Federal Credit Union offers great terms on loans for both new and used automobiles. Just like with our home loans, you have the option for auto loan pre-approval so you can set your budget and understand what your monthly payments will be. In addition, we offer refinancing of existing auto loans you may have with another lender, since there's a great chance you'll find better rates or lower payments with us. 

Auto loan rates are usually lower than personal loan rates because the auto being purchased is used as collateral (personal loan rates are usually higher because they don't have collateral). But even if you're not looking to purchase an auto you may be able to do an auto loan instead of a personal loan (aka title loan) by using your automobile as the loan collateral. In this case, you're able to secure a personal loan with the lower, auto loan rates.

Find out more about how Wailuku Federal Credit Union works with you to secure the right auto loan with the most competitive rates available.


Apply For Auto Loan Online

To apply for a loan, click here, select a loan type and complete the loan application.

Not currently a member? Please make an appointment to verify eligibility for membership. You must become a member of the credit union before your loan can be completed.

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Other Auto Services

Along with great rates on auto loans, Wailuku Federal Credit Union offers a range of other helpful and convenient auto-focused services.

Guaranteed Asset Protection

Guaranteed Asset Protection (GAP) is a great way to protect your finances if the value of your vehicle is less than the amount of your car loan. In the event of a total loss due to an accident or theft, GAP is designed to cancel the difference between what you owe on your loan and the amount paid by your primary auto insurer. Learn more about GAP protection.


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Mechanical Repair Coverage

Mechanical Repair Coverage (MRC) can help you limit the cost of major, unexpected auto repairs needed after your factory warranty expires. MRC delivers peace of mind, and it's also a great way to keep your vehicle running extra miles and extra years. With different coverage levels and deductibles to choose from, there’s a plan to fit any family’s budget. Learn more about MRC coverage.


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CARFAX Vehicle History Reports

When you finance the purchase of a used auto with us, we run a CARFAX Vehicle History Report at no cost to you.  A CARFAX History Report provides a snapshot of a vehicle’s history so you can avoid buying a car with costly hidden problems.   The report contains important information such as accident and repair history, odometer readings, factory recall information, registration history, mileage rollback, and much more.  Here is a sample report

If you are not financing your purchase or merely research a vehicle’s history, you may purchase a CARFAX History Report from us for $19.99 which is 50% off the regular price of $39.99.  Be Smart….Be Sure!


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