FAQs (Frequently Asked Questions)

What does Hawaii Auto Loans do?

Hawaii Auto Loans is a full service program that helps you with your vehicle purchase from A to Z. We'll work with you to find the vehicle and loan that fits your needs and current situation.

How much does using Hawaii Auto Loans cost?

Hawaii Auto Loans is a free service. You pay nothing out of pocket whether you obtain a vehicle or loan from us or not.

Will my credit score drop if you pull my credit report?

Quoting Myfico.com, the company that created the FICO risk score that lenders use. " Looking for new credit can equate with higher risk, but most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of time. Typically, these are treated as a single inquiry and will have little impact on the credit score." Using Hawaii Auto Loans further reduces the chance that your credit score will be affected by reducing the amount of credit inquiries required to purchase your vehicle.

Why use Hawaii Auto Loans instead of going dealer to dealer?

1. No more wondering if you'll be approved. Most buyers don't know that "Dealership A" could have access to totally different banks than "Dealership B". Depending on your credit situation, this could become quite a long guessing game. Why spend hours at a dealership wondering if you'll get approved? We'll do the research to get you pre-approved and find the vehicle that fits your needs.

2. No more random salespeople. You never know who you'll end up with when you walk into a dealership. It's uncomfortable to discuss credit matters with a complete stranger. Our friendly representatives understand that bad things happen to good people and will treat you with respect.

What makes Hawaii Auto Loans different from the other guys out there?

Hawaii Auto Loans is locally owned and operated and has been around for 9+ years. You'll deal with a local representative, not some mainland answering service. Most of these other "auto loan services" don't even offer loan services. They gather your information and sell it to dealerships and other companies. Some have reported getting calls from 5 different dealerships after submitting only one application. We will NEVER sell your information.

Do you find loans for private party vehicles? (Vehicles not at dealerships)

We do not work with private party vehicles. There are too many risks in private party vehicles. A good example is a vehicle's engine blowing up a week after being purchased from a private party. If the seller has moved off island or changed his number there is little a buyer can do. If this vehicle was purchased from a dealership we'd be able to hold someone accountable and be able to help the buyer find a solution to the problem.

Can I get a brand new car?

Yes. Depending on your credit situation we can assist you in getting a brand new vehicle. If a new vehicle doesn't work for your situation we can assist you in finding a quality preowned one.

Can you get me a motorcycle?
We currently only deal with cars, trucks, suv's, van's etc.