Your Loan. Your Ride. Your Maui.
From Kahului commutes to Hana road trips, having the right vehicle matters on Maui. Whether you’re buying new, buying used, or looking to save on the vehicle you already own, VICFCU’s Auto Loans offer competitive rates, flexible terms, and a fast pre-approval process—so you can walk onto the lot (or into a private sale) knowing exactly what you can afford, no mainland lender required.
Find the Right Auto Loan for You
New Vehicle Loan
Terms up to 84 Months
Finance a brand-new car, truck, or SUV built for island roads, with competitive rates and flexible terms.
Used Vehicle Loan
Terms up to 72 Months
Get competitive financing on a quality used vehicle, up to 7 years old, from a local Maui dealer or private seller.
Auto Loan Refinance
Lower Your Rate or Payment
Already financing a vehicle with a mainland bank or another lender? Refinance locally with VICFCU and see how much you could save.
Why Finance Your Vehicle with VICFCU?
- A local credit union invested in your success—real people who take the time to find the right loan for you and your Maui lifestyle
- Competitive, low rates on new, used, and refinanced vehicle loans
- Terms up to 84 months on new vehicles, up to 72 months on used vehicles
- Financing up to 120% of vehicle value available for qualifying credit tiers—up to 120% of MSRP on new vehicles, or 120% of KBB retail value on used vehicles
- No pre-payment penalty—pay off your loan early with no extra fees
- Convenient pre-approval so you know your budget before you shop
- Apply online or in person at any of our Maui branch locations
How Auto Loan Pre-Approval Works
Getting pre-approved with VICFCU means you’ll know your loan amount, rate, and terms before you ever set foot on a lot or agree to a private sale. That gives you real negotiating power and helps you avoid financing surprises at the dealership.
Already Found Your Vehicle?
Skip the search and start shopping right away—search for your vehicle now through our online marketplace, or apply directly if you’ve already got the car picked out.
Built for Maui Driving
Whether you need a 4x4 for the switchbacks to Hana, a reliable commuter for the Pali Highway, or a family SUV for weekend trips around the island, we help finance the vehicle that actually fits how you drive here. Our loan specialists live and work in this community, so you’re never just a number—you’re a neighbor.
Estimate Your Monthly Payment
Get a quick estimate of what your monthly payment could look like, including a full amortization schedule. This calculator is for illustrative purposes only—apply online or talk to a loan specialist for your actual rate and terms.
The information provided by this calculator is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.
Frequently Asked Questions
What credit score do I need for an auto loan?
Credit score requirements vary based on your overall financial profile, including income and existing debt. Our loan specialists review each application individually, so we encourage you to apply even if you’re not sure where your credit stands.
Can I get pre-approved before I find a car?
Yes. Pre-approval lets you shop with a clear budget and stronger negotiating position, whether you’re buying from a dealership or a private seller. Apply online or visit a branch to get started.
Is there a penalty for paying off my auto loan early?
No. VICFCU auto loans have no pre-payment penalty, so you can pay off your loan ahead of schedule and save on interest without any additional fees.
Can I refinance my current auto loan with VICFCU?
Yes. If you’re currently financing a vehicle through another lender, VICFCU can review your loan to see if refinancing could lower your rate or monthly payment.
Can I use my auto loan at any Maui dealership?
Yes. Once you’re pre-approved, you can shop at any dealership on Maui, another island, or even purchase from a private seller—your financing isn’t tied to a specific dealer.
Do you finance both new and used vehicles?
Yes. VICFCU offers financing for new vehicle purchases, used vehicle purchases up to 7 years old (from dealers or private sellers), and refinancing of existing auto loans. New vehicle loans have terms up to 84 months, while used vehicle loans have terms up to 72 months.
How much of my vehicle’s value can I finance?
Qualifying credit tiers may finance up to 120% of the vehicle’s value—based on MSRP for new vehicles, or Kelley Blue Book (KBB) retail value for used vehicles—which can help cover taxes, license fees, and other costs associated with your purchase. Your loan specialist can let you know what you qualify for based on your credit profile.
Is there an age limit on used vehicles you’ll finance?
Yes. VICFCU finances used vehicles up to 7 years old. If you’re unsure whether a specific vehicle qualifies, our loan specialists can help you check before you commit to a purchase.
Get Started Today
Visit any of our branch locations to learn more, or apply online to get pre-approved for your next vehicle.
* Membership with VICFCU is required. All loans are subject to credit approval and underwriting guidelines; not all applicants will qualify. Rates, terms, and conditions are subject to change without notice and may vary based on applicant creditworthiness, loan term, vehicle age, and mileage. New vehicle loan terms up to 84 months; used vehicle loan terms up to 72 months, available on vehicles up to 7 years old. Financing up to 120% of vehicle value is available only to qualifying credit tiers: up to 120% of MSRP for new vehicles, or up to 120% of Kelley Blue Book (KBB) retail value for used vehicles. Proof of full coverage insurance naming VICFCU as lienholder is required for the life of the loan. Other terms and conditions apply; see a loan specialist for full details.