Best Places for Low-APR Honda Financing: Honda Financial Services, Banks, Credit Unions 1. Car Battery Expert Our goal is simple: help you land the lowest practical APR on a Honda by comparing Honda Financial Services (HFS), banks, and credit unions—objectively and with the numbers that matter. Financing choices directly affect total cost-of-ownership, so reliability-minded shoppers should weigh rate, term, and incentives together. A low-APR auto loan is financing with below‑market interest that …