Auto Loans | Kapa'a, HI - Lihue, HI - Waimea, HI | KCFCU

If you're looking to finance a new or used car, truck or van, you have come to the right place. Because we truly believe in helping our members, we review our rates regularly to ensure they are competitive, making your credit union the best choice for all your financing needs.

You can even get pre-approval so you can shop with confidence at the dealership. And if you have a high-interest auto loan from another lender, refinance with us and lower your monthly payment.

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  • Buy any new or used vehicle
  • Refinance your current loan
  • Competitive interest rates
  • Flexible repayment terms
  • 100% financing available
  • Pre-approval for extra bargaining power
  • Make payments through direct deposit or payroll deduction
  • Friendly, knowledgeable loan advisors
  • Locally based process from start to finish

Credit Union Direct Lending

KCFCU participates in the Credit Union Direct Lending (CUDL) program, which allows you to arrange for your KCFCU auto financing directly at the participating CUDL dealership. All you do is identify yourself to the dealer as a KCFCU member and request your KCFCU auto loan through the CUDL system. Look for the CUDL logo at participating dealerships. Approvals take three to five minutes!

Participating Dealers:

  • Aloha Kia
  • Garden Island Auto
  • Kauai Toyota
  • King Auto Center
  • Kuhio Auto Group
  • Ohana Motors

Be sure to check out CUDL AutoSmart, which provides you with tools to research new and used vehicles, request pricing and availability on new vehicles from participating CUDL Auto Buying Program Dealers, and much more!

GAP Insurance

Even the best insurance may not cover the entire amount you owe on an auto loan. In fact, if the average new car purchaser has his or her vehicle stolen or damaged beyond repair, they could still owe thousands of dollars after the insurance settlement.

GAP* (Guaranteed Asset Protection) makes up the difference between what insurance covers and the amount you owe in most cases. So, instead of paying off a substantial loan balance before you can even think about shopping for a new vehicle, you could be free and clear.

GAP is available for new and used:

  • Automobiles
  • Vans
  • Light trucks and SUVs

Additional collateral coverage may be available.

Here's how it works:

You owe $14,000 on your vehicle, and it's damaged beyond repair in an accident. After subtracting your deductible, the insurance company awards you $11,000 for the damage.

  • Without GAP, you would pay out of pocket to cover the remaining $3,000 loan balance.
  • Your loan balance $14,000
  • Your insurance company pays <$11,000>
  • Loan balance (out-of-pocket expense) $3,000
  • With GAP, your remaining loan balance is paid.
  • Remaining loan balance $3,000
  • GAP benefit <$3,000>
  • Out-of-pocket expense $0

Your purchase of GAP is optional. Whether or not you purchase GAP will not affect your application for credit or the terms of any existing credit agreement you have with Kauai Community Federal Credit Union. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under GAP. You should carefully read the contract for a full explanation of the terms. Skipped or missed payments, late charges, refundable service warranty contracts, other insurance-related products, and interest charged after the date of loss will be deducted from the GAP settlement.

* GAP is considered insurance coverage in some states.

For a no cost, no obligation quote on GAP Insurance, click here.

MPOWER + Vehicle Protection

Buying a car? There's no such thing as a free ride, but now you can MPOWERTM yourself with a Kauai Community Federal Credit Union auto loan that includes complimentary benefits.

We want our qualified members to feel the sense of empowerment that comes with knowing you're prepared for unexpected events. In addition to our swift loan approvals and low interest rates, we also help you feel free from financial worry by including the following complimentary coverage with our auto loans.

  • A vehicle return program that empowers you to walk away from your loan obligation if certain life-changing events cause you to lose your income within 6 months following your purchase (Available for all vehicles)
  • Vehicle protection comes with a 3-month limited powertrain coverage should your engine or transmission need costly, unexpected repairs. (For vehicles with more than 36,000 miles)

Should you choose to upgrade any of the above complimentary products to the full term coverage, you will enjoy the following benefits:

MPOWER + Vehicle Return Protection

MPOWER + VEHICLE RETURN PROTECTION offers four upgrade options to help steer your loan in today's unpredictable economy. The average loan today takes five to seven years to pay off. You could spend more than half that time 'upside down' on your loan – leaving you vulnerable in the event of life changing circumstances. MPOWER Vehicle Return protects your savings from unexpected surprises with the freedom to return your vehicle should life-changing circumstances arise, such as:

  • Involuntary unemployment
  • Physical disability
  • Loss of driver's license
  • International employment transfer
  • Self-employed personal bankruptcy
  • Accidental death

Vehicle Return Protection Complimentary Benefits

Learn more about MPOWER + Vehicle Return Protection

Vehicle Protection + Major Mechanical Protection (MMP)

Perfect upgrade from Limited Lifetime Powertrain coverage! With 3 levels of coverage, MPOWER + Vehicle Protection provides coverage on most of the parts in the major systems of your vehicle. With a simple upgrade -- Major Mechanical Protection (MMP) plans are available for most new and used domestic and imported vehicles – the total cost is often far less than the cost of a single repair! Having this coverage extends the life of your vehicle and your budget. Pay for it once, and in most cases you will not have to pay anything more than a small deductible should a breakdown occur. Click here for a free quote.

Additional Benefits:

  • Roadside Assistance - Benefits include towing, flat tire changes, jump starts, fluid delivery, lockout service, and concierge service. Your Vehicle Protection Plan will cover up to $100 per occurrence (less the cost of parts or fluids required).
  • Trip Interruption - You also have the added benefit of expense coverage for overnight stays and meals incurred if you are stranded due to the failure of a covered breakdown and you are more than 100 miles from your home. Your Vehicle Protection Plan provides up to $75 per day (maximum of three days) for trip interruption.
  • Alternate Transportation - Your Vehicle Protection Plan provides up to $35 per day (up to a maximum of $175) for alternate transportation if your vehicle is in a repair facility undergoing repairs for a covered breakdown.
  • Unlimited Number of Claims - The number of claims on your vehicle is unlimited. See your contract for details on payable claims.
  • Nationwide Coverage - Your Vehicle Protection Plan is honored in both the United States and Canada. If you happen to be traveling, you can have peace of mind that repairs of a covered component will be taken care of for you. Just call our toll-free number for prior approval.

Vehicle Protection Complimentary Benefits

Learn more about MPOWER + Vehicle Protection

For more information on any of these products, please call us at 808.245.6791.