Can You Ship a Car That is Financed

Can You Ship a Car That is Financed

Shipping a Financed Car to or From Hawaii

Are you looking to purchase your next vehicle and then moving with a leased car in hawaii? Perhaps you’ve still got a loan on it and you’re looking into shipping it to or from Hawaii. What are the tips that you need to understand before deciding on a vehicle? Or, more importantly, shipping a leased car to Hawaii?

If you’ve already committed to a car loan on a new or used car, you can click the link to skip to “What you need to ship your car to or from Hawaii with a car loan”.

On the other hand, if you’re still searching for options before purchasing a car with a car loan, there’s one thing you MUST do:

Understand your numbers. Trust me. You’ll want to prevent any last-minute and unexpected charges that the car dealer will most likely suggest.

Your starting point and your resources for your car loan

What’s your starting point? Are you moving and looking for an upgrade? Do you have some cash saved up for a car you’re looking to own? Are you looking to save time and transport flexibility? Does your job require you to use a vehicle?

If you happen to look for an upgrade, start by finding out about the trade-in value. You’ll want to use that amount to help with the down payment for your next vehicle. What’s the upside? Lower interest and possibly shorter loan terms.

Tip: Beware of falling into the trap that a new vehicle implies it’s a reliable vehicle. Apart from the occasional manufacturer defects that some may have, it’s best to avoid depreciation if you can help it.

Now, are you looking into financing a used vehicle? If so, getting a pre-purchased inspection to get an objective perspective of the condition of the vehicle wouldn’t be a bad idea.

In case you’re moving from Hawaii to the Mainland, you’ll want to compare how much you can sell your vehicle on the islands vs on the mainland.

If (1) you’re vehicle has a high trade-in value, (2) you’d like to ship it from Mainland or Hawaii and, (3) you’re on time with your car loan payments, then you’re ready to speak to a transport coordinator to help you shipping a leased car to or from Hawaii.

Know what type of car you want before financing it

Before making your final decision on the vehicle you’ll want to own, research what brands are readily available on the islands. Otherwise, you’ll have to be okay with spending the extra cash to maintain it.


Because car parts are quite costly and difficult to find in Aloha State; you’ll probably have to order it, have it shipped, and wait until it arrives at your location. This won’t be so pleasant when you’re in a rush to repair your car.

If you’re looking to own a truck, they do tend to be more expensive so check the prices at Mainland to see if you can trim some fat from the cost.

With that in mind and after putting together a list of vehicles you’re interested in, be sure that you have an idea of how much it should be to insure one. This will surely help you narrow your options.

What you need to consider before getting a car loan

If you’re looking to upgrade your vehicle and you’re going to Hawaii, you’ll want to consider the option of purchasing the vehicle there.

On the other hand, if you’re moving or traveling from Hawaii to Mainland, you’ll want to compare how much you can sell your vehicle in both locations. If you’re able to sell it, you can use that to make the down payment. If you are planning to move to Hawaii and thinking about buying a new car, then before you move, please read this topic.

What about the Credit Score?

Yes, this makes all the difference if you’re not able to purchase the car with cash upfront. The smartest thing you can do is to look into different financial institutions to finance the car even before asking the car salesperson for advice.

For the most part, your ignorance can drain you from a couple of thousand dollars, especially if your car salesperson is feeling ambitious. This could be in the form of add-ons, extras, service contracts (which are extended warranties), or service work; they are usually more expensive than what they normally go for.

Instead, look at the options that are available to you for convenience.

Know the numbers that will affect your car loan

There’s a difference between making smart and economical decisions by knowing your numbers versus cheap-out with the numbers and agreeing to lower payments.

Knowing your numbers will save you from locking down into car payments that will keep you drowning well after paying the worth of the vehicle.

How can we beat that?

By learning the cocktail of numbers will determine how affordable and favorable the car loan will be. They are:

  1. The price of the vehicle (the amount owed)
  2. Down Payment that you will pay upfront
  3. The annual percentage rate (the interest rate)
  4. The loan term
  5. The insurance payment of the vehicle

Before looking at these numbers, be sure to know the status of your credit score. Have you built it up?

In case you have little-to-no hope to use your credit score for your car loan, you might consider alternatives such as subprime loans, getting a trusted co-signer, etc. Just know that a lower credit score = a higher interest rate and you’ll end up paying a lot more, especially if you end up with a loan term longer than 60 months.

What do you need to ship a leased car to or from Hawaii?

Okay, you’ve got your car and you’re ready to start the process of shipping a leased car to Hawaii or from there.

Here are the documents you’ll need to ship a leased your car to or from Hawaii:

  • Lienholder authorization letter to transport the vehicle (specifically when transporting your vehicle from Hawaii to Mainland)
  • VIN Number
  • Registration plate and the state it’s from
  • The color of the vehicle
  • A verbal confirmation stating whether the vehicle is operable or inoperable.

And here’s how to prepare your car to ship it to or from Hawaii:

  • Make sure the vehicle is as clean as possible
  • Make sure the emergency brake works properly
  • The vehicle must not have any cracks or damages on neither the windshields nor windows.
  • The vehicle must have only a quarter tank of gas

Shipping your car to or from Hawaii can feel like it’s a complicated process, especially when you must continue to pay for the loan. Fortunately, the process can always be much easier when you partner up with a coordinator who has years of experience in the transport industry.

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