Black Friday Loan Special!
11/17/2025 - 11/21/2025
For one week only, take advantage of **up to a 3.00% loan rate discount on select loans!
Auto Loans (New & Used)
Used and Older Auto Equity Loans
Personal Loans
Share and Certificate Secured Loans
Apply online today or stop by any of our branch locations to take advantage of our Black Friday Loan Special!
Black Friday Promotional Loan Rates as of November 01, 2025
New Auto and Used Auto (2 Years Old)
Loan Term | Annual Percentage Rate (APR*) |
|---|---|
60 Months | 3.99% - 14.49% |
72 Months | 4.49% - 14.49% |
84 Months | 4.99% - 14.49% |
96 Months¹ | 5.99% - 9.49% |
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 | 4.49% - 14.49% |
72 Months | 4.99% - 14.49% |
84 Months² | 5.49% - 14.49% |
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 | 5.75% - 14.49% |
72 Months³ | 6.25% - 14.49% |
³72 months term available for vehicles 6 years old only.
Used Auto Equity
Loan Term | Annual Percentage Rate (APR*) |
|---|---|
60 Months | 5.25% - 13.99% |
Older Used Auto Equity
Loan Term | Annual Percentage Rate (APR*) |
|---|---|
60 Months | 6.25% - 13.99% |
Personal
|
Loan Term |
Loan Amount |
Annual Percentage Rate (APR*) |
|---|---|---|
Up to 84 Months |
Up to $30,000.00 |
4.00% - 15.50% |
100% Share Secured
Loan Term | Annual Percentage Rate (APR*) |
|---|---|
12 Months | 3.00% |
13 - 36 Months | 3.25% |
37 - 72 Months | 3.50% |
73 - 120 Months | 3.75% |
50% Share Secured
Loan Term | Annual Percentage Rate (APR*) |
|---|---|
12 Months | 4.25% - 10.75% |
13 - 36 Months | 5.25% - 11.75% |
37 - 72 Months | 6.25% - 12.75% |
Frequently Asked Questions
-
Our Black Friday Loan Special is happening for one week only from November 17th through November 21st. Applications must be submitted between the promotional period.
-
Yes, the minimum loan amount is $5,000.00 to receive the promotional Black Friday loan rates.
-
Yes, you must be a member of Garden Island Federal Credit Union to take advantage of the Black Friday loan rates. Not a member yet? You can join during the loan application process.
-
Absolutely! Our Black Friday loan rates apply to refinanced loan from a different financial institution. This excludes existing loans with Garden Island Federal Credit Union.
*APR = Annual Percentage Rate.
**Up to a 3.00% loan rate discount is available for all Auto Loans, Used and Older Auto Equity Loans, Personal Loans, Share and Certificate Secured Loans only. Promotional loan rate valid from 11/17/2025 - 11/21/2025 and applications must be submitted between the promotional period. A minimum loan amount of $5,000.00 is required to receive up to a 3.00% loan rate discount which applies to loans from a different financial institution, and new loans. Membership at Garden Island FCU is required prior to funding. All loans applications are subject to credit approval. Additional terms and restrictions may apply. Cannot be combined with other offers. Promotional rate subject to change without notice. Federally insured by the NCUA.