Our used car loans are for either the purchase of a used vehicle or
the refinance of a currently owned used vehicle from another lender.

Used Vehicle Purchase
The interest rate of used vehicles is 7.0% Annual Percentage
Rate
Upon qualification, the age of the car determines the term of the
loan. If the vehicle is up to 3 years old, the maximum term allowed
would be 5 years. If the age of the vehicle is 4-5 years old, the
maximum allowable term of the loan would be 4 years. Vehicles
older that 5 years would have to be financed as a personal line of
credit  at 12.0% Annual Percentage Rate and the vehicle would be
held as collateral if needed to further secure the loan.  We will
finance up to the Retail Kelly Blue Book Value.

Vehicle Refinance From Another Lender
Upon qualification, the same rules as a used vehicle purchase
applies, however, the interest rate is 8.5% Annual Percentage Rate
and we will finance up to the Wholesale Kelly Blue Book Vale.
Used Auto Loan

7.00%-8.50%
Annual Percentage
Rate
Credit Disability
Insurance will make
your payment while
you are disabled.
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below for more
information.
Waialua Federal Credit Union
Serving Oahu's North Shore
Used Auto Loan