Have questions about how Servco Credit Advantage works? Read answers to common FAQs below.
Frequently Asked Questions
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 is a Hawai‘i-based automotive group that has proudly served local drivers for over 100 years. We’re trusted across the islands for offering a wide selection of new Toyota, Lexus, Subaru, and Chevrolet vehicles, along with quality used cars. Founded in Waialua on O‘ahu, Servco is proudly Hawai‘i-founded, guided by our commitment to trust, service, and our community.
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.
The Servco Credit Advantage program is available exclusively for vehicles sold at Servco dealerships. For new vehicles this includes Toyota, Subaru, Chevrolet, and Lexus. Servco dealerships also have a wide selection of used vehicles to choose from. This program is not available for purchases from other dealerships or third-party marketplaces.
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.
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.
Servco is a Hawaii-based automotive group with dealerships on Oahu, Maui, Kauai, and Hawai’i Island. The Servco Credit Advantage program is available to finance on any Servco vehicle. This program is not available for purchases from other dealerships or third-party marketplaces.
You can see up to what amount and what rates you are estimated to qualify at by utilizing our financing calculator. Find your offer and get prequalified here:
Yes, we welcome any trade-in, even if you’re still making payments or owe more than it’s worth.
See what you qualify for with no impact to your credit score!
Discover what Servco Credit Advantage looks like for you, with financing that meets your needs.