Auto Loan Rates in Hawaii (HI) for June 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Hawaii. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Hawaii include HAWAIIAN ELECTRIC EMPLOYEESHAWAIIAN ELECTRIC EMPLOYEES770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813A+5.0 ★Texas Ratio: 1.30% offering Used Auto Loans Special at 3.70%, HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit Union1226 College Walk, Honolulu, HI, 96817A+5.0 ★Texas Ratio: 2.31% offering New Auto Loans at 3.75%, Hawaii County Employees Federal Credit UnionHawaii County Employees Federal Credit Union131 Puuhonu Way, Hilo, HI, 96720A+5.0 ★Texas Ratio: 1.20% offering USED AUTO at 4.00%, Hamakua Federal Credit UnionHamakua Federal Credit Union28 490 Kaakepa Street, Pepeekeo, HI, 96783A5.0 ★Texas Ratio: 8.60% offering New Autos at 4.24%, HOCU Honolulu Federal Credit UnionHOCU Honolulu Federal Credit Union300 Ala Moana Blvd, Honolulu, HI, 96850A5.0 ★Texas Ratio: 7.51% offering Auto Loans at 4.25%. Auto loan rates as of June 1, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Hawaii side-by-side. Hawaii auto loan rates currently start as low as 3.70% APR from HAWAIIAN ELECTRIC EMPLOYEES at 770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Hawaii. Auto Loan Rates Last Updated and Verified: June 1, 2026
Compare Auto Loan Rates Today in Hawaii
Hawaii Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Used Auto Loans Special
3.70%
2 & 3 Years
▼
APR3.70%
Term2 & 3 Years
Last UpdatedJun 1, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1226 College Walk, Honolulu, HI, 96817
New Auto Loans
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Used Auto Loans Special
3.75%
4 Years
▼
APR3.75%
Term4 Years
Last UpdatedJun 1, 2026
Details
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
131 Puuhonu Way, Hilo, HI, 96720
USED AUTO
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMay 17, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Used Auto Loans Special
4.00%
5 Years
▼
APR4.00%
Term5 Years
Last UpdatedJun 1, 2026
Details
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
28 490 Kaakepa Street, Pepeekeo, HI, 96783
New Autos
4.24%
Up to 84 Months
▼
APR4.24%
TermUp to 84 Months
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1226 College Walk, Honolulu, HI, 96817
New Auto Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1226 College Walk, Honolulu, HI, 96817
Used Auto Loans
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
300 Ala Moana Blvd, Honolulu, HI, 96850
Auto Loans
4.25%
3 yr
▼
APR4.25%
Term3 yr
Last UpdatedMay 17, 2026
Details
Up to 120% of invoice or MSRP (whichever is less).
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
New Auto and Used Auto (2 Years Old)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
4.49%
12 Months
▼
APR4.49%
Term12 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
131 Puuhonu Way, Hilo, HI, 96720
NEW AUTO - September 25, 2023
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
131 Puuhonu Way, Hilo, HI, 96720
USED AUTO
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
Maui County Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
224 Kehalani Drive, Wailuku, HI, 96793
New Auto up to 4 years old
4.50%
up to 7 years
▼
APR4.50%
Termup to 7 years
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
300 Ala Moana Blvd, Honolulu, HI, 96850
Auto Loans
4.50%
5 yr
▼
APR4.50%
Term5 yr
Last UpdatedMay 17, 2026
Details
New car must be an electric or hybrid vehicle powered by alternative fuels.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
New Auto Loan
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1226 College Walk, Honolulu, HI, 96817
New Auto Loans
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1226 College Walk, Honolulu, HI, 96817
Used Auto Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
300 Ala Moana Blvd, Honolulu, HI, 96850
Auto Loans
4.75%
6 yr
▼
APR4.75%
Term6 yr
Last UpdatedMay 17, 2026
Details
New car must be an electric or hybrid vehicle powered by alternative fuels.
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
New Auto - Based on JD Power Value
4.75%
5 years
▼
APR4.75%
Term5 years
Last UpdatedMay 17, 2026
Details
As Low As
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
27 251 Old Mamalahoa Hwy, Papaikou, HI, 96781
Vehicle Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 17, 2026
Details
72-Month Financing available on amounts of $18,000 or greater. 84-Month Financing available on amounts of $25,000 or greater. Up to 100% Financing on New Vehicles, and Used Vehicles 10 years or newer. Maximum loan amounts may be applicable.
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
160 Paahana St, Kahului, HI, 96732
New Auto Loans
4.75%
36 mos
▼
APR4.75%
Term36 mos
Last UpdatedMay 22, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
160 Paahana St, Kahului, HI, 96732
Used Auto Loans
4.75%
36 mos
▼
APR4.75%
Term36 mos
Last UpdatedMay 22, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
New Auto and Used Auto (2 Years Old)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Used Auto (3 to 5 Years Old)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto (5 years & newer)
4.99%
12 Months
▼
APR4.99%
Term12 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
New Auto Loan
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
300 Ala Moana Blvd, Honolulu, HI, 96850
Auto Loans
5.00%
6 yr
▼
APR5.00%
Term6 yr
Last UpdatedMay 17, 2026
Details
Up to 120% of invoice or MSRP (whichever is less).
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
300 Ala Moana Blvd, Honolulu, HI, 96850
New Car
5.00%
3 Months
▼
APR5.00%
Term3 Months
Last UpdatedMay 17, 2026
Details
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
New Auto - Based on JD Power Value
5.00%
6 years
▼
APR5.00%
Term6 years
Last UpdatedMay 17, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Used Auto - Based on JD Power Value
5.00%
3 years
▼
APR5.00%
Term3 years
Last UpdatedMay 17, 2026
Details
As Low As
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
1437 Kilauea Ave Ste 105, Hilo, HI, 96720
New Auto 100% of invoice
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMay 17, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
160 Paahana St, Kahului, HI, 96732
New Auto Loans
5.00%
60 mos
▼
APR5.00%
Term60 mos
Last UpdatedMay 22, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
160 Paahana St, Kahului, HI, 96732
Used Auto Loans
5.00%
60 mos
▼
APR5.00%
Term60 mos
Last UpdatedMay 22, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Used Auto Loans Special
5.00%
6 Years
▼
APR5.00%
Term6 Years
Last UpdatedJun 1, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedMay 29, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto (6-10 years old)
5.24%
12 Months
▼
APR5.24%
Term12 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
New Auto Loan
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
131 Puuhonu Way, Hilo, HI, 96720
NEW AUTO - September 25, 2023
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 17, 2026
Details
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
131 Puuhonu Way, Hilo, HI, 96720
USED AUTO
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 17, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1226 College Walk, Honolulu, HI, 96817
New Auto Loans
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1226 College Walk, Honolulu, HI, 96817
Used Auto Loans
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Maui County Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
224 Kehalani Drive, Wailuku, HI, 96793
Used Auto 5 years to 10 years old
5.25%
up to 5 years
▼
APR5.25%
Termup to 5 years
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
300 Ala Moana Blvd, Honolulu, HI, 96850
New Car
5.25%
4 Months
▼
APR5.25%
Term4 Months
Last UpdatedMay 17, 2026
Details
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Used Auto - Based on JD Power Value
5.25%
4 years
▼
APR5.25%
Term4 years
Last UpdatedMay 17, 2026
Details
As Low As
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
1437 Kilauea Ave Ste 105, Hilo, HI, 96720
New Auto
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMay 17, 2026
Details
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
PO Box 860669, Wahiawa, HI, 96786 0669
New Auto Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
28 490 Kaakepa Street, Pepeekeo, HI, 96783
Pre-owned Autos
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
1244 Kaumualii St, Honolulu, HI, 96817
New Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As; terms up to 72 mos.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
New Auto and Used Auto (2 Years Old)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Used Auto (3 to 5 Years Old)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Used Auto Equity
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Regular APR: 15.99%
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
Used Auto Loan
5.50%
3 Years
▼
APR5.50%
Term3 Years
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
300 Ala Moana Blvd, Honolulu, HI, 96850
New Car
5.50%
5 Months
▼
APR5.50%
Term5 Months
Last UpdatedMay 17, 2026
Details
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Used Auto - Based on JD Power Value
5.50%
5 years
▼
APR5.50%
Term5 years
Last UpdatedMay 17, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
107 E Wakea Ave, Kahului, HI, 96732
New Auto
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
107 E Wakea Ave, Kahului, HI, 96732
Used Auto
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
1437 Kilauea Ave Ste 105, Hilo, HI, 96720
New Auto
5.50%
8 Years
▼
APR5.50%
Term8 Years
Last UpdatedMay 17, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
New Auto Loans
5.50%
1-3 Year
▼
APR5.50%
Term1-3 Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
333 Queen St, Honolulu, HI, 96813
Auto Loans
5.65%
1-3 years
▼
APR5.65%
Term1-3 years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
333 Queen St, Honolulu, HI, 96813
New Auto Loan
5.65%
1-3 years
▼
APR5.65%
Term1-3 years
Last UpdatedMay 17, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto (5 years & newer)
5.74%
24 Months
▼
APR5.74%
Term24 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
New Auto Loan
5.75%
6 Years
▼
APR5.75%
Term6 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
Used Auto Loan
5.75%
4 Years
▼
APR5.75%
Term4 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
333 Queen St, Honolulu, HI, 96813
New Auto Loan
5.75%
4 years
▼
APR5.75%
Term4 years
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1226 College Walk, Honolulu, HI, 96817
New Auto Loans
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1226 College Walk, Honolulu, HI, 96817
Used Auto Loans
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
27 251 Old Mamalahoa Hwy, Papaikou, HI, 96781
Vehicle Loans
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 17, 2026
Details
72-Month Financing available on amounts of $18,000 or greater. 84-Month Financing available on amounts of $25,000 or greater. Up to 100% Financing on New Vehicles, and Used Vehicles 10 years or newer. Maximum loan amounts may be applicable.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
New Auto Loans
5.75%
4-Year
▼
APR5.75%
Term4-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
333 Queen St, Honolulu, HI, 96813
New Auto Loan
5.85%
5 years
▼
APR5.85%
Term5 years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
333 Queen St, Honolulu, HI, 96813
New Auto Loan
5.95%
6 years
▼
APR5.95%
Term6 years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
Auto Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
New Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Older Used Auto (6 Years and Older)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Used Auto (3 to 5 Years Old)
5.99%
84 Months2
▼
APR5.99%
Term84 Months2
Last UpdatedMay 23, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto (5 years & newer)
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto (6-10 years old)
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
Used Auto Loan
6.00%
5 Years
▼
APR6.00%
Term5 Years
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
300 Ala Moana Blvd, Honolulu, HI, 96850
Auto Loans
6.00%
7 yr
▼
APR6.00%
Term7 yr
Last UpdatedMay 17, 2026
Details
New car must be an electric or hybrid vehicle powered by alternative fuels.
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
1437 Kilauea Ave Ste 105, Hilo, HI, 96720
Used Auto Vehicles up to blue book
6.00%
7 Years
▼
APR6.00%
Term7 Years
Last UpdatedMay 17, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
160 Paahana St, Kahului, HI, 96732
New Auto Loans
6.00%
72 mos
▼
APR6.00%
Term72 mos
Last UpdatedMay 22, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
160 Paahana St, Kahului, HI, 96732
Used Auto Loans
6.00%
72 mos
▼
APR6.00%
Term72 mos
Last UpdatedMay 22, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
New Auto Loans
6.00%
5-Year
▼
APR6.00%
Term5-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto (5 years & newer)
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto (6-10 years old)
6.24%
36 Months
▼
APR6.24%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
Used Auto Loan
6.25%
6 Years
▼
APR6.25%
Term6 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
New Auto Loans
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
Used Auto Loans
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
300 Ala Moana Blvd, Honolulu, HI, 96850
Auto Loans
6.25%
7 yr
▼
APR6.25%
Term7 yr
Last UpdatedMay 17, 2026
Details
Up to 120% of invoice or MSRP (whichever is less).
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
300 Ala Moana Blvd, Honolulu, HI, 96850
New Car
6.25%
6 Months
▼
APR6.25%
Term6 Months
Last UpdatedMay 17, 2026
Details
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
New Auto - Based on JD Power Value
6.25%
7 Years
▼
APR6.25%
Term7 Years
Last UpdatedMay 17, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Used Auto - Based on JD Power Value
6.25%
6 years
▼
APR6.25%
Term6 years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
1244 Kaumualii St, Honolulu, HI, 96817
New Auto Loans
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; terms up to 84 mos.
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
107 E Wakea Ave, Kahului, HI, 96732
New Auto
6.25%
78 Months
▼
APR6.25%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
107 E Wakea Ave, Kahului, HI, 96732
Used Auto
6.25%
78 Months
▼
APR6.25%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
PO Box 860669, Wahiawa, HI, 96786 0669
New Auto Loan
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
PO Box 860669, Wahiawa, HI, 96786 0669
Used Auto Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
New Auto Loans
6.25%
6-Year
▼
APR6.25%
Term6-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Used Auto Loans
6.25%
1-3 Year
▼
APR6.25%
Term1-3 Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
333 Queen St, Honolulu, HI, 96813
Used Auto Loan
6.40%
1-3 years
▼
APR6.40%
Term1-3 years
Last UpdatedMay 17, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
autos over five years old
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
New Auto and Used Auto (2 Years Old)
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Older Used Auto (6 Years and Older)
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
New Auto Loans
6.50%
78 Months
▼
APR6.50%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
Used Auto Loans
6.50%
78 Months
▼
APR6.50%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
333 Queen St, Honolulu, HI, 96813
Used Auto Loan
6.50%
4 years
▼
APR6.50%
Term4 years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
131 Puuhonu Way, Hilo, HI, 96720
NEW AUTO - September 25, 2023
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedMay 17, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Used Auto Loans
6.50%
4-Year
▼
APR6.50%
Term4-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
333 Queen St, Honolulu, HI, 96813
Used Auto Loan
6.60%
5 years
▼
APR6.60%
Term5 years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
333 Queen St, Honolulu, HI, 96813
Used Auto Loan
6.70%
6 years
▼
APR6.70%
Term6 years
Last UpdatedMay 17, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto (5 years & newer)
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
333 Queen St, Honolulu, HI, 96813
New Auto Loan
6.75%
7 years
▼
APR6.75%
Term7 years
Last UpdatedMay 17, 2026
Details
As Low As
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
27 251 Old Mamalahoa Hwy, Papaikou, HI, 96781
Vehicle Loans
6.75%
84 Months
▼
APR6.75%
Term84 Months
Last UpdatedMay 17, 2026
Details
72-Month Financing available on amounts of $18,000 or greater. 84-Month Financing available on amounts of $25,000 or greater. Up to 100% Financing on New Vehicles, and Used Vehicles 10 years or newer. Maximum loan amounts may be applicable.
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
PO Box 860669, Wahiawa, HI, 96786 0669
New Auto Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
PO Box 860669, Wahiawa, HI, 96786 0669
Used Auto Loan
6.75%
48 Months
▼
APR6.75%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Used Auto Loans
6.75%
5-Year
▼
APR6.75%
Term5-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
New Auto Loan
7.00%
7 Years
▼
APR7.00%
Term7 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
Used Auto Loans Vehicle Year: 2022
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
Used Auto Loans Vehicle Year: 2023-2024
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
160 Paahana St, Kahului, HI, 96732
New Auto Loans
7.00%
84 mos
▼
APR7.00%
Term84 mos
Last UpdatedMay 22, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Used Auto Loans
7.00%
6-Year
▼
APR7.00%
Term6-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
Used Auto Loans Vehicle Year: 2021
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Used Auto - Based on JD Power Value
7.25%
7 years
▼
APR7.25%
Term7 years
Last UpdatedMay 17, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
107 E Wakea Ave, Kahului, HI, 96732
New Auto
7.25%
90 Months
▼
APR7.25%
Term90 Months
Last UpdatedMay 17, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
107 E Wakea Ave, Kahului, HI, 96732
Used Auto
7.25%
90 Months
▼
APR7.25%
Term90 Months
Last UpdatedMay 17, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
PO Box 860669, Wahiawa, HI, 96786 0669
New Auto Loan
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
PO Box 860669, Wahiawa, HI, 96786 0669
Used Auto Loan
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
Used Auto Loan
7.50%
7 Years
▼
APR7.50%
Term7 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
333 Queen St, Honolulu, HI, 96813
Used Auto Loan
7.50%
7 years
▼
APR7.50%
Term7 years
Last UpdatedMay 17, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
New Auto Loans
7.50%
7-Year
▼
APR7.50%
Term7-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
New Auto Loans
7.75%
84 Months
▼
APR7.75%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
Used Auto Loans
7.75%
84 Months
▼
APR7.75%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
PO Box 860669, Wahiawa, HI, 96786 0669
Older Used Auto Loan
7.75%
48 Months
▼
APR7.75%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
PO Box 860669, Wahiawa, HI, 96786 0669
Used Auto Loan
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
28 490 Kaakepa Street, Pepeekeo, HI, 96783
New Autos
8.00%
Up to 84 Months
▼
APR8.00%
TermUp to 84 Months
Last UpdatedMay 17, 2026
Details
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
28 490 Kaakepa Street, Pepeekeo, HI, 96783
Pre-owned Autos
8.00%
Up to 72 Months
▼
APR8.00%
TermUp to 72 Months
Last UpdatedMay 17, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Used Auto Loans
8.00%
7-Year
▼
APR8.00%
Term7-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
Non-purchased Used Auto Loan
8.50%
Up to 3 Years
▼
APR8.50%
TermUp to 3 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
Non-purchased Used Auto Loan
8.75%
4 Years
▼
APR8.75%
Term4 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
Used Auto Loans
8.75%
54 Months
▼
APR8.75%
Term54 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
Non-purchased Used Auto Loan
9.75%
5 Years
▼
APR9.75%
Term5 Years
Last UpdatedMay 17, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Used Auto (3 to 5 Years Old)
17.49%
60 Months
▼
APR17.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
Powered by
MonitorBankRates
Hawaii New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1226 College Walk, Honolulu, HI, 96817
New Auto Loans
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
28 490 Kaakepa Street, Pepeekeo, HI, 96783
New Autos
4.24%
Up to 84 Months
▼
APR4.24%
TermUp to 84 Months
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1226 College Walk, Honolulu, HI, 96817
New Auto Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
New Auto and Used Auto (2 Years Old)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
4.49%
12 Months
▼
APR4.49%
Term12 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
131 Puuhonu Way, Hilo, HI, 96720
NEW AUTO - September 25, 2023
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
Maui County Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
224 Kehalani Drive, Wailuku, HI, 96793
New Auto up to 4 years old
4.50%
up to 7 years
▼
APR4.50%
Termup to 7 years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
New Auto Loan
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1226 College Walk, Honolulu, HI, 96817
New Auto Loans
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
New Auto - Based on JD Power Value
4.75%
5 years
▼
APR4.75%
Term5 years
Last UpdatedMay 17, 2026
Details
As Low As
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
160 Paahana St, Kahului, HI, 96732
New Auto Loans
4.75%
36 mos
▼
APR4.75%
Term36 mos
Last UpdatedMay 22, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
New Auto and Used Auto (2 Years Old)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto (5 years & newer)
4.99%
12 Months
▼
APR4.99%
Term12 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
New Auto Loan
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
300 Ala Moana Blvd, Honolulu, HI, 96850
New Car
5.00%
3 Months
▼
APR5.00%
Term3 Months
Last UpdatedMay 17, 2026
Details
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
New Auto - Based on JD Power Value
5.00%
6 years
▼
APR5.00%
Term6 years
Last UpdatedMay 17, 2026
Details
As Low As
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
1437 Kilauea Ave Ste 105, Hilo, HI, 96720
New Auto 100% of invoice
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMay 17, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
160 Paahana St, Kahului, HI, 96732
New Auto Loans
5.00%
60 mos
▼
APR5.00%
Term60 mos
Last UpdatedMay 22, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
New Auto Loan
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
131 Puuhonu Way, Hilo, HI, 96720
NEW AUTO - September 25, 2023
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 17, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1226 College Walk, Honolulu, HI, 96817
New Auto Loans
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
300 Ala Moana Blvd, Honolulu, HI, 96850
New Car
5.25%
4 Months
▼
APR5.25%
Term4 Months
Last UpdatedMay 17, 2026
Details
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
1437 Kilauea Ave Ste 105, Hilo, HI, 96720
New Auto
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMay 17, 2026
Details
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
PO Box 860669, Wahiawa, HI, 96786 0669
New Auto Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
1244 Kaumualii St, Honolulu, HI, 96817
New Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As; terms up to 72 mos.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
New Auto and Used Auto (2 Years Old)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
300 Ala Moana Blvd, Honolulu, HI, 96850
New Car
5.50%
5 Months
▼
APR5.50%
Term5 Months
Last UpdatedMay 17, 2026
Details
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
107 E Wakea Ave, Kahului, HI, 96732
New Auto
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
1437 Kilauea Ave Ste 105, Hilo, HI, 96720
New Auto
5.50%
8 Years
▼
APR5.50%
Term8 Years
Last UpdatedMay 17, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
New Auto Loans
5.50%
1-3 Year
▼
APR5.50%
Term1-3 Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
333 Queen St, Honolulu, HI, 96813
New Auto Loan
5.65%
1-3 years
▼
APR5.65%
Term1-3 years
Last UpdatedMay 17, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto (5 years & newer)
5.74%
24 Months
▼
APR5.74%
Term24 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
New Auto Loan
5.75%
6 Years
▼
APR5.75%
Term6 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
333 Queen St, Honolulu, HI, 96813
New Auto Loan
5.75%
4 years
▼
APR5.75%
Term4 years
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1226 College Walk, Honolulu, HI, 96817
New Auto Loans
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
New Auto Loans
5.75%
4-Year
▼
APR5.75%
Term4-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
333 Queen St, Honolulu, HI, 96813
New Auto Loan
5.85%
5 years
▼
APR5.85%
Term5 years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
333 Queen St, Honolulu, HI, 96813
New Auto Loan
5.95%
6 years
▼
APR5.95%
Term6 years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
New Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto (5 years & newer)
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
160 Paahana St, Kahului, HI, 96732
New Auto Loans
6.00%
72 mos
▼
APR6.00%
Term72 mos
Last UpdatedMay 22, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
New Auto Loans
6.00%
5-Year
▼
APR6.00%
Term5-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto (5 years & newer)
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
New Auto Loans
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
300 Ala Moana Blvd, Honolulu, HI, 96850
New Car
6.25%
6 Months
▼
APR6.25%
Term6 Months
Last UpdatedMay 17, 2026
Details
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
New Auto - Based on JD Power Value
6.25%
7 Years
▼
APR6.25%
Term7 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
1244 Kaumualii St, Honolulu, HI, 96817
New Auto Loans
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; terms up to 84 mos.
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
107 E Wakea Ave, Kahului, HI, 96732
New Auto
6.25%
78 Months
▼
APR6.25%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
PO Box 860669, Wahiawa, HI, 96786 0669
New Auto Loan
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
New Auto Loans
6.25%
6-Year
▼
APR6.25%
Term6-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
New Auto and Used Auto (2 Years Old)
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedMay 23, 2026
Details
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
New Auto Loans
6.50%
78 Months
▼
APR6.50%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
131 Puuhonu Way, Hilo, HI, 96720
NEW AUTO - September 25, 2023
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedMay 17, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto (5 years & newer)
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
333 Queen St, Honolulu, HI, 96813
New Auto Loan
6.75%
7 years
▼
APR6.75%
Term7 years
Last UpdatedMay 17, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
PO Box 860669, Wahiawa, HI, 96786 0669
New Auto Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
New Auto Loan
7.00%
7 Years
▼
APR7.00%
Term7 Years
Last UpdatedMay 17, 2026
Details
As Low As
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
160 Paahana St, Kahului, HI, 96732
New Auto Loans
7.00%
84 mos
▼
APR7.00%
Term84 mos
Last UpdatedMay 22, 2026
Details
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
107 E Wakea Ave, Kahului, HI, 96732
New Auto
7.25%
90 Months
▼
APR7.25%
Term90 Months
Last UpdatedMay 17, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
PO Box 860669, Wahiawa, HI, 96786 0669
New Auto Loan
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
New Auto Loans
7.50%
7-Year
▼
APR7.50%
Term7-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
New Auto Loans
7.75%
84 Months
▼
APR7.75%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
28 490 Kaakepa Street, Pepeekeo, HI, 96783
New Autos
8.00%
Up to 84 Months
▼
APR8.00%
TermUp to 84 Months
Last UpdatedMay 17, 2026
Details
Powered by
MonitorBankRates
Hawaii Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Used Auto Loans Special
3.70%
2 & 3 Years
▼
APR3.70%
Term2 & 3 Years
Last UpdatedJun 1, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Used Auto Loans Special
3.75%
4 Years
▼
APR3.75%
Term4 Years
Last UpdatedJun 1, 2026
Details
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
131 Puuhonu Way, Hilo, HI, 96720
USED AUTO
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMay 17, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Used Auto Loans Special
4.00%
5 Years
▼
APR4.00%
Term5 Years
Last UpdatedJun 1, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1226 College Walk, Honolulu, HI, 96817
Used Auto Loans
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
New Auto and Used Auto (2 Years Old)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
131 Puuhonu Way, Hilo, HI, 96720
USED AUTO
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1226 College Walk, Honolulu, HI, 96817
Used Auto Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
160 Paahana St, Kahului, HI, 96732
Used Auto Loans
4.75%
36 mos
▼
APR4.75%
Term36 mos
Last UpdatedMay 22, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
New Auto and Used Auto (2 Years Old)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Used Auto (3 to 5 Years Old)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto (5 years & newer)
4.99%
12 Months
▼
APR4.99%
Term12 Months
Last UpdatedMay 29, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Used Auto - Based on JD Power Value
5.00%
3 years
▼
APR5.00%
Term3 years
Last UpdatedMay 17, 2026
Details
As Low As
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
160 Paahana St, Kahului, HI, 96732
Used Auto Loans
5.00%
60 mos
▼
APR5.00%
Term60 mos
Last UpdatedMay 22, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Used Auto Loans Special
5.00%
6 Years
▼
APR5.00%
Term6 Years
Last UpdatedJun 1, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto (6-10 years old)
5.24%
12 Months
▼
APR5.24%
Term12 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
131 Puuhonu Way, Hilo, HI, 96720
USED AUTO
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 17, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1226 College Walk, Honolulu, HI, 96817
Used Auto Loans
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Maui County Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
224 Kehalani Drive, Wailuku, HI, 96793
Used Auto 5 years to 10 years old
5.25%
up to 5 years
▼
APR5.25%
Termup to 5 years
Last UpdatedMay 17, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Used Auto - Based on JD Power Value
5.25%
4 years
▼
APR5.25%
Term4 years
Last UpdatedMay 17, 2026
Details
As Low As
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
28 490 Kaakepa Street, Pepeekeo, HI, 96783
Pre-owned Autos
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
New Auto and Used Auto (2 Years Old)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Used Auto (3 to 5 Years Old)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Used Auto Equity
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Regular APR: 15.99%
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
Used Auto Loan
5.50%
3 Years
▼
APR5.50%
Term3 Years
Last UpdatedMay 17, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Used Auto - Based on JD Power Value
5.50%
5 years
▼
APR5.50%
Term5 years
Last UpdatedMay 17, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
107 E Wakea Ave, Kahului, HI, 96732
Used Auto
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto (5 years & newer)
5.74%
24 Months
▼
APR5.74%
Term24 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
Used Auto Loan
5.75%
4 Years
▼
APR5.75%
Term4 Years
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1226 College Walk, Honolulu, HI, 96817
Used Auto Loans
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Older Used Auto (6 Years and Older)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Used Auto (3 to 5 Years Old)
5.99%
84 Months2
▼
APR5.99%
Term84 Months2
Last UpdatedMay 23, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto (5 years & newer)
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto (6-10 years old)
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
Used Auto Loan
6.00%
5 Years
▼
APR6.00%
Term5 Years
Last UpdatedMay 17, 2026
Details
As Low As
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
1437 Kilauea Ave Ste 105, Hilo, HI, 96720
Used Auto Vehicles up to blue book
6.00%
7 Years
▼
APR6.00%
Term7 Years
Last UpdatedMay 17, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
160 Paahana St, Kahului, HI, 96732
Used Auto Loans
6.00%
72 mos
▼
APR6.00%
Term72 mos
Last UpdatedMay 22, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto (5 years & newer)
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto (6-10 years old)
6.24%
36 Months
▼
APR6.24%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
Used Auto Loan
6.25%
6 Years
▼
APR6.25%
Term6 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
Used Auto Loans
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Used Auto - Based on JD Power Value
6.25%
6 years
▼
APR6.25%
Term6 years
Last UpdatedMay 17, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
107 E Wakea Ave, Kahului, HI, 96732
Used Auto
6.25%
78 Months
▼
APR6.25%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
PO Box 860669, Wahiawa, HI, 96786 0669
Used Auto Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Used Auto Loans
6.25%
1-3 Year
▼
APR6.25%
Term1-3 Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
333 Queen St, Honolulu, HI, 96813
Used Auto Loan
6.40%
1-3 years
▼
APR6.40%
Term1-3 years
Last UpdatedMay 17, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
New Auto and Used Auto (2 Years Old)
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Older Used Auto (6 Years and Older)
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
Used Auto Loans
6.50%
78 Months
▼
APR6.50%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
333 Queen St, Honolulu, HI, 96813
Used Auto Loan
6.50%
4 years
▼
APR6.50%
Term4 years
Last UpdatedMay 17, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Used Auto Loans
6.50%
4-Year
▼
APR6.50%
Term4-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
333 Queen St, Honolulu, HI, 96813
Used Auto Loan
6.60%
5 years
▼
APR6.60%
Term5 years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
333 Queen St, Honolulu, HI, 96813
Used Auto Loan
6.70%
6 years
▼
APR6.70%
Term6 years
Last UpdatedMay 17, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto (5 years & newer)
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
PO Box 860669, Wahiawa, HI, 96786 0669
Used Auto Loan
6.75%
48 Months
▼
APR6.75%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Used Auto Loans
6.75%
5-Year
▼
APR6.75%
Term5-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
Used Auto Loans Vehicle Year: 2022
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
Used Auto Loans Vehicle Year: 2023-2024
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Used Auto Loans
7.00%
6-Year
▼
APR7.00%
Term6-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
Used Auto Loans Vehicle Year: 2021
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Used Auto - Based on JD Power Value
7.25%
7 years
▼
APR7.25%
Term7 years
Last UpdatedMay 17, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
107 E Wakea Ave, Kahului, HI, 96732
Used Auto
7.25%
90 Months
▼
APR7.25%
Term90 Months
Last UpdatedMay 17, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
PO Box 860669, Wahiawa, HI, 96786 0669
Used Auto Loan
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
Used Auto Loan
7.50%
7 Years
▼
APR7.50%
Term7 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
333 Queen St, Honolulu, HI, 96813
Used Auto Loan
7.50%
7 years
▼
APR7.50%
Term7 years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
Used Auto Loans
7.75%
84 Months
▼
APR7.75%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
PO Box 860669, Wahiawa, HI, 96786 0669
Older Used Auto Loan
7.75%
48 Months
▼
APR7.75%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
PO Box 860669, Wahiawa, HI, 96786 0669
Used Auto Loan
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
28 490 Kaakepa Street, Pepeekeo, HI, 96783
Pre-owned Autos
8.00%
Up to 72 Months
▼
APR8.00%
TermUp to 72 Months
Last UpdatedMay 17, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Used Auto Loans
8.00%
7-Year
▼
APR8.00%
Term7-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
Non-purchased Used Auto Loan
8.50%
Up to 3 Years
▼
APR8.50%
TermUp to 3 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
Non-purchased Used Auto Loan
8.75%
4 Years
▼
APR8.75%
Term4 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
Used Auto Loans
8.75%
54 Months
▼
APR8.75%
Term54 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1138 N King St, Honolulu, HI, 96817
Non-purchased Used Auto Loan
9.75%
5 Years
▼
APR9.75%
Term5 Years
Last UpdatedMay 17, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Used Auto (3 to 5 Years Old)
17.49%
60 Months
▼
APR17.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
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MonitorBankRates
Hawaii Auto Loan Rate Trends
Compare local Hawaii auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — HI Avg
5.590%
▲ 0.001 vs 7 days ago
Hawaii new auto rates rose 0.001 points over the past 7 days to 5.590% APR.
Used Auto Loan — HI Avg
6.293%
▲ 0.013 vs 7 days ago
Hawaii used auto rates rose 0.013 points over the past 7 days to 6.293% APR.
As of Jun 4, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Hawaii auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Hawaii directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Hawaii. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in HI.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Hawaii
How does my credit score affect my car loan rate in Hawaii?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Hawaii with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Hawaii *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Hawaii typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Hawaii?
Based on our current data, some of the lowest auto loan rates available in Hawaii include:
- HAWAIIAN ELECTRIC EMPLOYEES: 3.70% (Used Auto Loans Special)
- HawaiiUSA Federal Credit Union: 3.75% (New Auto Loans)
- Hawaii County Employees Federal Credit Union: 4.00% (USED AUTO)
- Hamakua Federal Credit Union: 4.24% (New Autos)
- HOCU Honolulu Federal Credit Union: 4.25% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Hawaii. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 1, 2026
Auto Loan Rates by City in Hawaii
Rate Assistant
MonitorBankRates.com · Live Data
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