Credit Application
Choice Automotive · 525 North King Street, Honolulu
Apply for Financing Before You Ever Leave the House
One secure application, a few minutes of your time, and our finance team gets to work matching you with lenders who actually say yes to real Hawaii credit — not just the 800-score crowd.
Credit in the Low 600s? You're Our Typical Customer, Not the Exception.
A lot of the folks we finance are working families, first-time buyers, and military members rotating through Oahu. Scores in the low-to-mid 600s, a past hiccup or two, a thin file from a PCS move — we see it every day, and we know which lenders work with it.
Applying online means we can shop your approval across our lender network before you drive in from Waipahu, Kaneohe — or fly in from Maui, Kauai, or the Big Island. When you arrive, most of the paperwork is already done.
- Secure and encrypted — your information goes straight to our finance office, nowhere else.
- Military friendly — we work with service members stationed on Oahu all the time, including short-timers.
- Neighbor island shoppers welcome — get approved remotely, then ask us about free inter-island shipping.
207 vehicles on the lot at 525 North King Street — trucks, Tacomas, 4Runners, Teslas and more.
What Happens After You Hit Submit
No mystery, no waiting around wondering. Here's the actual process, start to finish.
Fill It Out Once
Takes about five minutes. Have your employer info and monthly housing cost handy — that's most of what lenders ask for.
We Shop the Lenders
Our finance team submits one application to multiple banks and credit unions, then compares terms so you don't have to.
Pick Your Ride
We call you with real numbers, you pick from the largest selection in Honolulu, and sign in one visit.
Secure Credit Application
Filling this out does not obligate you to buy anything. It just lets us find out exactly what you qualify for — so the conversation at the dealership starts with answers instead of guesses.
Not Ready to Apply Yet? Start Here Instead.
Get Pre-Approved
A softer first step. Find out your buying power before you commit to a full application.
Check my buying powerPayment Calculator
Run the numbers on any budget. See how down payment and term change your monthly payment.
Run the numbersValue Your Trade
Your current car might cover a bigger chunk of the down payment than you think. Find out in minutes.
Get my trade valueQuestions About Financing? Talk to a Real Person.
If you'd rather walk through your situation before applying, come see us on North King Street or learn how our financing process works. No pressure, no judgment — just straight answers.