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.


We offer flexible repayment terms from six-years for auto loans exceeding $20,000 and 100% financing is available. Rates and terms are available here and are based on your credit history. You can make payments through direct deposit or payroll deduction. Get started with our locally based process and talk to our friendly, knowledgeable loan advisors today.

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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
  • Servco Auto Kauai
  • 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!