Get Pre Approved
Financing at Choice Automotive · 525 North King Street, Honolulu
Get pre-approved before you set foot on the lot.
Two minutes on your phone tells you what you can spend, what your payment looks like, and which of our 190-plus vehicles fit your budget. No hit to your plans, no awkward guessing at the finance desk.
Secure application. Credit in the low-to-mid 600s? That's most of our customers — apply anyway.
Here's exactly what happens after you hit submit.
You fill out the application — about 2 minutes
Basic info, employment, and housing. Do it from the couch, the break room, or the barracks. It's the same application we'd hand you at the dealership, minus the drive to Kalihi.
We shop it to lenders who actually work Hawaii deals
Local credit unions, national banks, and lenders who understand military orders and neighbor-island buyers. One application, multiple lenders competing — not you filling out the same form five times.
You get a real number, then we go shopping
A finance manager calls you with your approval amount and rate options. From there, browse the full inventory knowing which Tacoma, Tesla, or family SUV is actually in reach.
Why bother pre-approving? Because Honolulu inventory moves fast.
Trucks and Toyotas don't sit long on our lot — a clean Tacoma can be gone in days. When you're pre-approved, you can put a deposit down the moment the right vehicle lands instead of scrambling for financing while someone else drives it home.
It also puts you in charge of the numbers. You'll know your budget before you fall in love with anything, and you can run scenarios on our loan calculator or bump your buying power by getting a number on your current car at Value Your Trade.
- Credit challenged? Most of our approvals land in the low-to-mid 600s. We work those deals every single day.
- Military on Oahu? Our lenders handle PCS timelines, LES pay stubs, and short time-in-state histories.
- On Maui, Big Island, or Kauai? Get approved remotely and ask about free inter-island shipping.
Our finance team works with lenders across Hawaii and the mainland — the same team that sources our inventory from California and Washington knows how to get island deals done.
Start your pre-approval
Takes about two minutes. A finance manager will follow up with your approval details — usually the same business day.
Approved? Go find the vehicle.
Between 190 and 200 vehicles on the lot at any given time — Tacomas, 4Runners, Teslas, lifted trucks, and the practical family stuff that survives Hawaii roads.