What is CUDL?

CUDL stands for Credit Union Direct Lending (CUDL). Do your auto financing right at the dealership – when picking your vehicle, identify yourself as a Honolulu Federal Credit Union (HOCU) member and ask to “CUDL” it.


New Auto

  • Financing up to 100% of purchase price
  • Terms available up to 84 months
  • No Pre-payment penalty’


Used Auto

  • Up to 100% financing for vehicles up to 8 years old
  • Refinance an existing car loan to save money and possibly lower your interest rate







Save money and lower your monthly payment by refinancing your current auto loan with HOCU.

Auto Shipment

Moving your vehicle to another state? These are the documents we will need to get you started when requesting to ship your vehicle.


  1. Letter requesting transport – (Include the location vehicle will be shipped to and Shipping Date)
  2. Employment: Job Transfer – Letter and Last 2 paystubs

New Employment – Verification of Employment to be completed by New Employer

  1. Change of Address Form
  2. Mileage of vehicle


  1. PCS Orders (Permanent Change Station)
  2. LES (Leave and Earning Statement)
  3. COA (Change of Address form)
  4. Mileage of vehicle

ETS out of the military, we will need:

  1. What type of New Employment Income?
  2. Location vehicle will be shipped to and Shipping Date
  3. Change of Address

**Requests will be provided by next business day, once we have received all necessary documents.