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AUTO LOAN
Get Pre-Approved Today!
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New Automobile Loans - 100% Financing
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Used Automobile Loans - 2003 or Newer
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3 years
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5.00% APR*
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3 years
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5.00% APR* |
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5 years
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5.50% APR*
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5 years
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5.50% APR* |
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7 years
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6.25% APR*
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License Plate Frame & Mini Tool Kit available while supplies last.
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All applications subject to credit approval, some restrictions may apply. No in-house refinancing. These are open end loan products. The terms set forth is used only to calculate payments under the open-end plan. Call us for details. All rates subject to change without notice. Get pre-approved today!
APR* = Annual Percentage Rate
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| Now Available... |
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Mechanical Repair Coverage (MRC)
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Members Choice MRC helps pay for covered repairs on your car when that unexpected breakdown occurs. For a few dollars a month, you can protect your vehicle and your finances from expenses that could total hundreds or even thousands of dollars!
MRC covers mechancial repairs on your vehicle from the date of purchase, and continues after your manufacturer's warranty expires. Purchasing MRC before the warranty expires provides you with seamless, uninterrupted protection.
The plan also includes rental reimbursement, 24-hour roadside assistance, towing and emergency travel expenses.
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Guaranteed Asset Protection (GAP) Cost: $199.00
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Members Choice GAP could save you thousands of dollars. GAP is low-cost coverage that pays the potentially high-cost difference between your insurance settlement and your loan balance on items directly related to the purchase of your vehicle.
For just a few dollars a month, GAP can save you from making loan payments on a car, truck or other vehicle that's beyound repair, or stolen and not recovered. You can sign up for GAP when you apply for your vehicle loan. There's no underwriting, no red tape, no hassles. And for your convenience the amount can be rolled into your monthly loan payment.
Protect your family, your car and your credit rating with Members Choice GAP.
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Contact the loan department for more information about the benefits of MRC & GAP.
Phone: (808) 853-2355.
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| When is the best time to buy a new vehicle? |
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Everyone has a theory about the best time to buy a new vehicle. Some think late summer/early fall is the best time to buy because the dealers want to clear their lots to make room for the newer models. For those folks who live in the northern states, some advise that the dead of winter is the best time to shop because the cold and snow keep the buyers away and the dealers are ready to bargain to keep up their sales figures.
However, we say that the best time to buy a new vehicle is only after you've done your homework. The worst time to buy is when you go into a dealership totally unprepared. Here are a few simple steps to follow to get ready to face the dealer and get the best deal you can.
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Decide on how much money you can afford to spend and apply for a pre-approved auto loan. Our helpful auto lending staff is always happy to help you crunch numbers to find out what your monthly payments would be for different loan amounts. When you walk into a dealership with the financing already approved, you can skip their finance department and take advantage of any rebates offered. Plus, you will save money right away because Honolulu Fire Department Federal Credit union never charges auto loan application or processing fees.
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Decide on what make and model you want to buy. Once you know how much you can afford and what your likely monthly payments will be, take some time to decide what vehicle is best for you and your family. Take your time and do your research, this way you will be more focused in your shopping and it will be less likely that a salesperson can talk you into a car or options you don't need and can't afford.
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Go Shopping. With your financing in hand and your research complete, you are armed with the tools you need to get the best deal on your new vehicle.
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Click here for current rates...
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