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First-Time Car Buyer Loan

We'd love to help you buy your first vehicle with a special car loan tailored to you. This hassle-free, customized new or used car loan can get you going, even if you have no credit history.
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First-Time Car Buyer Loan

Our First-Time Car Buyer Loan features a simple and quick application process along with a competitive rate. A HawaiiUSA loan officer is ready to work with you and help you receive the financing you need.

Requirements for Obtaining a HawaiiUSA First Time Car Buying Loan

  • Have consistent and verifiable monthly income for at least the last 12 months. 
  • Maintain a minimum monthly income of $1,500
  • Down payment of at least 10% on the vehicle

Borrowing Guidelines

  • "No credit history" loans available
  • $20,000 maximum loan amount
  • 40% maximum debt ratio
  • Terms available up to 72 months
  • No current delinquencies, collections, charge-offs or judgments
  • Available for direct and indirect loans

Special Discounts for HawaiiUSA Members

  • 0.25% interest rate discount when you use Auto Transfer/Payroll Deduction
  • 0.25% interest rate discount for successfully completing HawaiiUSA's LEAP* online education course, Drive Away Happy

* Life Events Assistance Program (LEAP) is HawaiiUSA's financial education initiative. LEAP provides HawaiiUSA's employees, members and neighborhood communities with comprehensive financial education, tools and resources. HawaiiUSA is committed to being recognized as the financial institution that goes above and beyond to help our clients attain their financial goals.


Here's a handy guide that explains the entire process of financing a new or used vehicle.

Know your credit score

Budget your expenses

Cost of maintenance and insurance

Get pre-approved first

Choose your car