Auto Refi Special
Cool down your auto loan payment and save when you refinance with Garden Island Federal Credit Union and enjoy lower rates and our special prize drawings!
Rates as low as 4.49% APR*
Lower your spending and reduce your monthly payments to free up some extra cash
Fast and easy refinancing process
Plus, when you refinance any auto loan from another financial institution to Garden Island FCU between 06/01/2025 - 07/31/2025 you will be automatically entered to the Cooler Days Ahead Prize Drawings:
So cool down your monthly payments this summer, free up some extra cash, and win amazing prizes while lowering your auto loan rate!
Loan Rates as of June 01, 2025
New Auto and Used Auto (2 Years Old)
Loan Term | Annual Percentage Rate (APR*) |
|---|---|
60 Months | 4.49% - 17.49% |
72 Months | 4.99% - 17.49% |
84 Months | 5.49% - 17.49% |
96 Months¹ | 6.49% - 9.99% |
¹96 months term available for New Autos with loan to value no greater than 115%. Additional conditions and restrictions apply. Contact our loan department at (808) 245-2192 for additional information.
Used Auto (3 to 5 Years Old)
Loan Term | Annual Percentage Rate (APR*) |
|---|---|
60 Months | 4.99% - 17.49% |
72 Months | 5.49% - 17.49% |
84 Months² | 5.99% - 17.49% |
²84 months term available for Used Autos 3 to 4 years old.
Older Used Auto (6 Years and Older)
Loan Term | Annual Percentage Rate (APR*) |
|---|---|
60 Months | 5.99% - 17.49% |
72 Months³ | 6.49% - 17.49% |
³72 months term available for vehicles 6 years old only.
*APR = Annual Percentage Rate. Stated rate assumes excellent borrower credit history and must be for a new or current model vehicle. Auto loan rates range from 4.49% - 17.49% APR. Rates will be determined at the time of your application based on your information and credit history. All offers are subject to credit approval, additional terms and restrictions apply. Auto loans must be refinanced to Garden Island Federal Credit Union from another financial institution with a minimum loan amount of $5,000.00. Cannot be combined with other offers and rates are subject to change without notice.
Members who refinance any auto loan from a different financial institution to Garden Island FCU during the promotional period between 06/01/2025 - 07/31/2025 will be automatically entered into the Cooler Days Ahead Prize Drawings. No purchase necessary to enter. Winners will be selected at random and will be announced at the end of the promotion.