Financing a car in Hawai‘i should be simple and stress-free. With Servco Credit Advantage, you can quickly estimate what you qualify for using our easy calculator, then take the next step and get pre-approved for your new car.
What to Expect with Servco Credit Advantage
While Servco is not a lender and does not make credit decisions, we work with select lending partners{5} to offer customers access to flexible loan terms, competitive rates, and a faster, more streamlined process tailored to our local market.
Approvals Made Easy
Our partner lenders may offer more flexible terms and streamlined processes compared to some traditional lenders{1}. Qualification is subject to lender approval.
Bigger Savings For You
Our partner lenders offer a variety of rates based on credit profile{2}. Final terms will vary by lender, creditworthiness, and selected vehicle.
Flexible Term Options
Choose from terms up to 84 months, giving you the power to shape monthly payments that fit your lifestyle.
Transparent Process
Get honest answers, clear terms, and a dedicated team to help you every step of the way.
Get Your Estimate
Discover your estimated payments{3}. Then apply in minutes to get pre-qualified with no impact to your credit.
Finance Calculator
Select your estimated credit score{4}.
*Estimates are based on the credit score and terms you input. This does not constitute an offer of credit or loan approval. Actual rates and payments will vary based on creditworthiness and lender terms.
Your Estimated Monthly Income Include all regular sources of income such as salary, hourly wages, or self-employment earnings.
$
Pre-qualify for payments up to:
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/ month
Based on these vehicle price ranges
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for 60 months at
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to
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for 84 months at
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Checking won’t affect your credit score.
Shop Vehicles by Price
Servco Credit Advantage is a local financing program created to help more Hawaii drivers qualify for vehicle loans. It offers flexible terms, competitive rates, and a faster, more transparent process for customers who are building or rebuilding their credit.
Servco Credit Advantage is designed to connect qualified customers with participating lenders to help reduce some of the barriers typically associated with traditional auto financing, such as limited term options or stringent qualification criteria. While Servco is not a lender and does not make credit decisions, we work with select lending partners to offer customers access to flexible loan terms, competitive rates, and a faster, more streamlined process tailored to our local market.
In most cases, you can expect to receive a decision within one business day, or even as fast as the same day. However, approval times may vary and are subject to credit approval.
Yes, customers with limited or no credit history are eligible to utilize the Servco Credit Advantage program.
Yes, a down payment is required but the amount varies by vehicle price. For vehicles priced under $50,000, a minimum down payment of 5% is required. For vehicles over $50,000, a 10% down payment will be needed. Your Servco dealership team can help you estimate what this might look like for your purchase.
Our calculator estimates monthly payments based on your credit range, loan amount, and term length, using a default $2,000 down payment. This estimate doesn’t represent a loan offer or approval. Actual rates and payments will depend on your credit and lender terms.
Yes, we welcome any trade-in, even if you’re still making payments or owe more than it’s worth.
*Servco Pacific Inc. and its subsidiaries (“Servco”) are not lenders or financial institutions. Financing options offered through Servco Credit Advantage program are arranged through third-party lenders, and all credit applications are subject to lender approval. Servco does not extend credit or guarantee financing. Any estimates provided are for information purposes only and do not constitute a loan offer or commitment. Restrictions may apply and are subject to change without notice. Contact your Servco dealer for more information.