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
Approvals Made Easy
We offer a quicker process and broader qualification compared to traditional auto loans.{1}
Bigger Savings For You
We offer competitive rates for a wide range of credit scores, so you can save more over the life of your loan{2}.
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 Started
Financing your next car starts here. See what works for you.
1. Discover Your Estimated Payments
Estimated Credit Profile
Term (months)
$
Applicable Rate Range
—
Estimated Monthly Payment
—
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.
2. Get Pre-Approved to Finance{3}
Complete a credit application and see what financing options you qualify for.
3. Shop Cars by Monthly Payment
Monthly payments are calculated with a down payment of $2,000
Frequently Asked Questions (FAQ)
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 removes many of the roadblocks that come with traditional auto loans such as high rates, strict terms, and a slow process. We offer competitive rates, longer loan term options, and flexible qualifications, giving more customers the opportunity for approval through a faster, simpler process.
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.