Drive Your Dreams with Rates as low as 6.50%APR*

Are you ready to hit the road in your dream car? We make it easy and affordable with our exceptional auto loan options.

Benefits of choosing MCFCU for your next auto loan or refinancing your existing auto loan:

  • Competitive Rates: Enjoy some of the lowest interest rates in the market, designed to fit your budget and save you money. 6.50% APR* for new autos up to 4 years old and 7.25% APR* for used autos 5 years to 10 years old.
  • Flexible Terms: Choose from a variety of loan terms tailored to your needs, whether you're looking for a short-term loan or up to a 72-month payment plan.
  • Easy Application Process: Our streamlined application process ensures you get approved quickly, so you can drive off in your new car sooner.
  • Local Expertise: As a part of the Maui County community, we understand your unique needs and are here to support you every step of the way


Ready to get started?
Apply online, schedule a consultation appointment, or use our loan calculator to calculate your estimated payment. Or login to MCFCU online or mobile banking to complete the brief application. Let us help you drive your dreams with the perfect auto loan today!


Documentation You'll Need for Your Loan Application

  • Copy of current valid ID
  • Income documentation
  • Most recent 30 days’ worth of paystubs
    • If receive pension or Social Security income, last two months of bank statements showing amounts received
    • Last two years' Federal Tax returns (if self-employed or if receive rental income)
    • Last year’s W-2 (if requested)
  • References (names and phone numbers of two references)
  • Auto Loan Documentation Needed
    • Copy of current vehicle registration (so we can get VIN , vehicle information, and registration dates)
    • Current mileage
    • Copy of purchase order/invoice if purchasing from a dealership
    • Full coverage insurance (prior to setting loan signing)

* Annual Percentage Rate (APR ) shown is for the lowest available rate for a 5 year term for new autos and a 3 year term for used autos. Your APR depends on credit worthiness, product and term selected, and other factors. All loans require membership in the credit union, Hawaii residency, and underwriting approval. Valid from 12/1/23. Rates, terms, and conditions are subject to change without notice. Refinancing of an existing Maui County FCU loan is not eligible for this rate. Other restrictions and conditions apply. Payment example: New Auto Loan amount of $45,000.00 at 6.50% for 60 months would have a monthly principal and interest payment of $880.00. Used Auto Loan amount of $35,000.00 at 7.25% for 36 months would have a monthly principal and interest payment of $1,085.00.