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Hawaii Best Auto Loan Rates - September 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Lanai Federal Credit UnionLanai Federal Credit Union816 Ilima Ave, Lanai City, HI, 96763A+5.0 ★Texas Ratio: 0.85% offering New Auto Loans - Platinum at 3.00%, Kauai Teachers Federal Credit UnionKauai Teachers Federal Credit Union2969 Umi St, Lihue, HI, 96766 1345A+5.0 ★Texas Ratio: 2.14% offering New Auto at 3.50%, HAWAIIAN ELECTRIC EMPLOYEESHAWAIIAN ELECTRIC EMPLOYEES770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813A+5.0 ★Texas Ratio: 2.83% offering New Auto Loans at 3.70%, Hickam Federal Credit UnionHickam Federal Credit Union40 Hickam Ct, Honolulu, HI, 96818 4834A+5.0 ★Texas Ratio: 1.73% offering New Autos at 3.75%, HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit Union1226 College Walk, Honolulu, HI, 96817A+5.0 ★Texas Ratio: 1.56% offering New Auto Loans at 3.75%. Auto loan rates as of September 21, 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 3.00% APR from Lanai Federal Credit Union at 816 Ilima Ave, Lanai City, HI, 96763. Rates are continually updated, so 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: September 21, 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
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Platinum
3.00%
Up to 3 Years
▼
APR3.00%
TermUp to 3 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Platinum
3.25%
Up to 3 Years
▼
APR3.25%
TermUp to 3 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2969 Umi St, Lihue, HI, 96766 1345
New Auto
3.50%
Up to 8 years
▼
APR3.50%
TermUp to 8 years
Last UpdatedSep 16, 2026
Details
Loan Amount: 100% Financing
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Platinum
3.50%
4 Years
▼
APR3.50%
Term4 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
New Auto Loans
3.70%
Special: 2 & 3 Years
▼
APR3.70%
Interest Rate3.70%
TermSpecial: 2 & 3 Years
Last UpdatedSep 18, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Used Auto Loans
3.70%
Special: 2 & 3 Years
▼
APR3.70%
Interest Rate3.70%
TermSpecial: 2 & 3 Years
Last UpdatedSep 18, 2026
Details
Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
40 Hickam Ct, Honolulu, HI, 96818 4834
New Autos
3.75%
Up to 3 years
▼
APR3.75%
TermUp to 3 years
Last UpdatedSep 16, 2026
Details
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Platinum
3.75%
5 Years
▼
APR3.75%
Term5 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Platinum
3.75%
4 Years
▼
APR3.75%
Term4 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1226 College Walk, Honolulu, HI, 96817
New Auto Loans
3.75%
Up to 36 Months
▼
APR3.75%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details
As Low As
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
New Auto Loans
3.75%
Special: 4 Years
▼
APR3.75%
Interest Rate3.75%
TermSpecial: 4 Years
Last UpdatedSep 18, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Used Auto Loans
3.75%
Special: 4 Years
▼
APR3.75%
Interest Rate3.75%
TermSpecial: 4 Years
Last UpdatedSep 18, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
New & Used Auto Loan
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedSep 14, 2026
Details
An additional 0.25% discount for hybrid/electric vehicles. APR disclosed is the lowest rate available for a 36-month term. Rate shown includes 0.25% discount for electric and hybrid vehicles. Payment Example: A $10,000 loan at the rate of 4.00% APR will have a monthly payment of $295.24 for 36 months with a total paid interest of $628.63. Other rates and terms available. All loans are subject to qualifications and approval. Certain terms and conditions apply. Rates are subject to change without notice. HIFICU membership required. Effective 8/1/2026 - 9/30/2026. The Annual Percentage Rate that you receive will be within the disclosed range and is based on certain creditworthiness factors. Please contact us for the rate you qualify for. For used autos and refinancing, maximum age of the automobile must be 6 years old to finance.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
New Auto
4.00%
3 Years
▼
APR4.00%
Term3 Years
Last UpdatedSep 14, 2026
Details
As Low As; **
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
131 Puuhonu Way, Hilo, HI, 96720
USED AUTO
4.00%
Up to 4 Years
▼
APR4.00%
TermUp to 4 Years
Last UpdatedSep 16, 2026
Details
Term: Up to 4 Years (48 months); Rate: 4.00% APR*
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2969 Umi St, Lihue, HI, 96766 1345
Used Auto
4.00%
Up to 8 years
▼
APR4.00%
TermUp to 8 years
Last UpdatedSep 16, 2026
Details
Loan Amount: Up to 100% Financing of Kelly Blue Book Retail Value
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Platinum
4.00%
6 Years (72 months)
▼
APR4.00%
Term6 Years (72 months)
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Preferred
4.00%
Up to 3 Years
▼
APR4.00%
TermUp to 3 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
New Auto Loans
4.00%
Special: 5 Years
▼
APR4.00%
Interest Rate4.00%
TermSpecial: 5 Years
Last UpdatedSep 18, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Used Auto Loans
4.00%
Special: 5 Years
▼
APR4.00%
Interest Rate4.00%
TermSpecial: 5 Years
Last UpdatedSep 18, 2026
Details
Hamakua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
28 490 Kaakepa Street, Pepeekeo, HI, 96783
New Autos
4.24%
Up to 84 Months
▼
APR4.24%
TermUp to 84 Months
Last UpdatedSep 16, 2026
Details
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
300 Ala Moana Blvd, Honolulu, HI, 96850
Auto Loans
4.25%
3 yr
▼
APR4.25%
Term3 yr
Last UpdatedSep 16, 2026
Details
Up to 120% of invoice or MSRP (whichever is less).
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Platinum
4.25%
5 Years
▼
APR4.25%
Term5 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Preferred
4.25%
Up to 3 Years
▼
APR4.25%
TermUp to 3 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1226 College Walk, Honolulu, HI, 96817
New Auto Loans
4.25%
Up to 48 Months
▼
APR4.25%
TermUp to 48 Months
Last UpdatedSep 16, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1226 College Walk, Honolulu, HI, 96817
Used Auto Loans
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
4.49%
Up to 12 months
▼
APR4.49%
TermUp to 12 months
Last UpdatedSep 20, 2026
Details
As Low As; New Auto***
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
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 UpdatedSep 21, 2026
Details
Published APR range: 4.49% - 17.49%.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
New Auto
4.50%
4 Years
▼
APR4.50%
Term4 Years
Last UpdatedSep 14, 2026
Details
As Low As; *
Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
40 Hickam Ct, Honolulu, HI, 96818 4834
New Autos
4.50%
Up to 4 years
▼
APR4.50%
TermUp to 4 years
Last UpdatedSep 16, 2026
Details
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
131 Puuhonu Way, Hilo, HI, 96720
NEW AUTO
4.50%
Up to 5 Years
▼
APR4.50%
TermUp to 5 Years
Last UpdatedSep 16, 2026
Details
Term: Up to 5 Years (60 months); Rate includes *. See notes.
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
131 Puuhonu Way, Hilo, HI, 96720
USED AUTO
4.50%
Up to 5 Years
▼
APR4.50%
TermUp to 5 Years
Last UpdatedSep 16, 2026
Details
Term: Up to 5 Years (60 months); Rate: 4.50% APR*
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
300 Ala Moana Blvd, Honolulu, HI, 96850
Auto Loans
4.50%
4 yr
▼
APR4.50%
Term4 yr
Last UpdatedSep 16, 2026
Details
Up to 120% of invoice or MSRP (whichever is less).
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
300 Ala Moana Blvd, Honolulu, HI, 96850
New car must be an electric or hybrid vehicle powered by alternative fuels. Loan
4.50%
5 yr
▼
APR4.50%
Term5 yr
Last UpdatedSep 16, 2026
Details
New car must be an electric or hybrid vehicle powered by alternative fuels.
Maui County Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
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 UpdatedSep 16, 2026
Details
As Low As
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Platinum
4.50%
6 Months
▼
APR4.50%
Term6 Months
Last UpdatedSep 16, 2026
Details
Term: 6.5 Years (78 months); Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Preferred
4.50%
4 Years
▼
APR4.50%
Term4 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
New Auto Loans
4.50%
6 Year
▼
APR4.50%
Interest Rate4.50%
Term6 Year
Last UpdatedSep 18, 2026
Details
1
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
681 S King St, Honolulu, HI, 96813 3016
New Auto
4.50%
3 yr
▼
APR4.50%
Term3 yr
Last UpdatedSep 21, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
New Auto
4.75%
5 Years
▼
APR4.75%
Term5 Years
Last UpdatedSep 14, 2026
Details
As Low As; *
Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
40 Hickam Ct, Honolulu, HI, 96818 4834
New Autos
4.75%
Up to 6 years
▼
APR4.75%
TermUp to 6 years
Last UpdatedSep 16, 2026
Details
($15,000+)
Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
40 Hickam Ct, Honolulu, HI, 96818 4834
New Autos
4.75%
Up to 5 years
▼
APR4.75%
TermUp to 5 years
Last UpdatedSep 16, 2026
Details
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
300 Ala Moana Blvd, Honolulu, HI, 96850
Auto Loans
4.75%
5 yr
▼
APR4.75%
Term5 yr
Last UpdatedSep 16, 2026
Details
Up to 120% of invoice or MSRP (whichever is less).
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
300 Ala Moana Blvd, Honolulu, HI, 96850
New Car Loan
4.75%
3 yr
▼
APR4.75%
Term3 yr
Last UpdatedSep 16, 2026
Details
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
300 Ala Moana Blvd, Honolulu, HI, 96850
New car must be an electric or hybrid vehicle powered by alternative fuels. Loan
4.75%
6 yr
▼
APR4.75%
Term6 yr
Last UpdatedSep 16, 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: 0.09%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
New Auto
4.75%
5 years
▼
APR4.75%
Term5 years
Last UpdatedSep 16, 2026
Details
Starting at; New Auto - Based on JD Power Value
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Preferred
4.75%
5 Years
▼
APR4.75%
Term5 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Platinum
4.75%
6 Years (72 months)
▼
APR4.75%
Term6 Years (72 months)
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Preferred
4.75%
4 Years
▼
APR4.75%
Term4 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
27 251 Old Mamalahoa Hwy, Papaikou, HI, 96781
Vehicle Loans
4.75%
48 Months or Less
▼
APR4.75%
Interest Rate4.75%
Term48 Months or Less
Last UpdatedSep 16, 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.
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1226 College Walk, Honolulu, HI, 96817
New Auto Loans
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedSep 16, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1226 College Walk, Honolulu, HI, 96817
Used Auto Loans
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedSep 16, 2026
Details
As Low As
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
2019 S King St, Honolulu, HI, 96826
New Auto/Truck
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedSep 20, 2026
Details
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
681 S King St, Honolulu, HI, 96813 3016
New Auto
4.75%
4 yr
▼
APR4.75%
Term4 yr
Last UpdatedSep 21, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto
4.99%
Up to 12 months
▼
APR4.99%
TermUp to 12 months
Last UpdatedSep 20, 2026
Details
As Low As; Used Auto*** (5 years & newer)
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
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 UpdatedSep 21, 2026
Details
Published APR range: 4.99% - 17.49%.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Used Auto (3 to 5 Years Old)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.99% - 17.49%.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
Used Auto
5.00%
3 Years
▼
APR5.00%
Term3 Years
Last UpdatedSep 14, 2026
Details
As Low As; *
Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
40 Hickam Ct, Honolulu, HI, 96818 4834
Used Auto
5.00%
Up to 3 years
▼
APR5.00%
TermUp to 3 years
Last UpdatedSep 16, 2026
Details
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
300 Ala Moana Blvd, Honolulu, HI, 96850
Auto Loans
5.00%
6 yr
▼
APR5.00%
Term6 yr
Last UpdatedSep 16, 2026
Details
Up to 120% of invoice or MSRP (whichever is less).
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
300 Ala Moana Blvd, Honolulu, HI, 96850
New Car Loan
5.00%
4 yr
▼
APR5.00%
Term4 yr
Last UpdatedSep 16, 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: 0.09%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
New Auto
5.00%
6 years
▼
APR5.00%
Term6 years
Last UpdatedSep 16, 2026
Details
Starting at; New Auto - Based on JD Power Value
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Used Auto
5.00%
3 years
▼
APR5.00%
Term3 years
Last UpdatedSep 16, 2026
Details
Starting at; Used Auto - Based on JD Power Value
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
94 449 Ukee St, Waipahu, HI, 96797
Auto Refinance Loan
5.00%
2 Year
▼
APR5.00%
Term2 Year
Last UpdatedSep 16, 2026
Details
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 23 payments of $43.87, 1 of $43.69
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
94 449 Ukee St, Waipahu, HI, 96797
Auto Refinance Loan
5.00%
3 Year
▼
APR5.00%
Term3 Year
Last UpdatedSep 16, 2026
Details
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 35 payments of $29.97, 1 of $29.85
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
94 449 Ukee St, Waipahu, HI, 96797
Auto Refinance Loan
5.00%
4 Year
▼
APR5.00%
Term4 Year
Last UpdatedSep 16, 2026
Details
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 47 payments of $23.03, 1 of $22.93
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
94 449 Ukee St, Waipahu, HI, 96797
Auto Refinance Loan
5.00%
5 Year
▼
APR5.00%
Term5 Year
Last UpdatedSep 16, 2026
Details
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 59 payments of $18.87, 1 of $18.79
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
94 449 Ukee St, Waipahu, HI, 96797
Vehicle Loan - 2 Year
5.00%
2 Year
▼
APR5.00%
Term2 Year
Last UpdatedSep 16, 2026
Details
Payment Example (Based on $1000; Monthly with 1 estimated final payment): 23 payments of $43.87, 1 of $43.69
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
94 449 Ukee St, Waipahu, HI, 96797
Vehicle Loan - 3 Year
5.00%
3 Year
▼
APR5.00%
Term3 Year
Last UpdatedSep 16, 2026
Details
Payment Example (Based on $1000; Monthly with 1 estimated final payment): 35 payments of $29.97, 1 of $29.85
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
94 449 Ukee St, Waipahu, HI, 96797
Vehicle Loan - 4 Year
5.00%
4 Year
▼
APR5.00%
Term4 Year
Last UpdatedSep 16, 2026
Details
Payment Example (Based on $1000; Monthly with 1 estimated final payment): 47 payments of $23.03, 1 of $22.93
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
94 449 Ukee St, Waipahu, HI, 96797
Vehicle Loan - 5 Year
5.00%
5 Year
▼
APR5.00%
Term5 Year
Last UpdatedSep 16, 2026
Details
Payment Example (Based on $1000; Monthly with 1 estimated final payment): 59 payments of $18.87, 1 of $18.79
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
94 449 Ukee St, Waipahu, HI, 96797
Vehicle Loan - 6 Year
5.00%
6 Year
▼
APR5.00%
Term6 Year
Last UpdatedSep 16, 2026
Details
Payment Example (Based on $1000; Monthly with 1 estimated final payment): 71 payments of $16.10, 1 of $16.04
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1437 Kilauea Ave Ste 105, Hilo, HI, 96720
New Auto
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedSep 16, 2026
Details
100% of invoice
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Preferred
5.00%
6 Years (72 months)
▼
APR5.00%
Term6 Years (72 months)
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
New Auto Loans
5.00%
7 Year
▼
APR5.00%
Interest Rate5.00%
Term7 Year
Last UpdatedSep 18, 2026
Details
1
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Used Auto Loans
5.00%
Special: 6 Years
▼
APR5.00%
Interest Rate5.00%
TermSpecial: 6 Years
Last UpdatedSep 18, 2026
Details
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
2019 S King St, Honolulu, HI, 96826
New Auto/Truck
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedSep 20, 2026
Details
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
681 S King St, Honolulu, HI, 96813 3016
New Auto
5.00%
5 yr
▼
APR5.00%
Term5 yr
Last UpdatedSep 21, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
5.24%
Up to 24 months
▼
APR5.24%
TermUp to 24 months
Last UpdatedSep 20, 2026
Details
As Low As; New Auto***
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedSep 20, 2026
Details
As Low As; New Auto***
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
5.24%
Up to 72 months
▼
APR5.24%
TermUp to 72 months
Last UpdatedSep 20, 2026
Details
As Low As; New Auto***
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto
5.24%
Up to 12 months
▼
APR5.24%
TermUp to 12 months
Last UpdatedSep 20, 2026
Details
As Low As; Used Auto*** (6-10 years old)
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
New Auto
5.25%
6 Years
▼
APR5.25%
Term6 Years
Last UpdatedSep 14, 2026
Details
As Low As; *
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
Used Auto
5.25%
4 Years
▼
APR5.25%
Term4 Years
Last UpdatedSep 14, 2026
Details
As Low As; *
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
131 Puuhonu Way, Hilo, HI, 96720
NEW AUTO
5.25%
Up to 6 Years
▼
APR5.25%
TermUp to 6 Years
Last UpdatedSep 16, 2026
Details
Term: Up to 6 Years (72 months); Rate includes *. See notes.
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
131 Puuhonu Way, Hilo, HI, 96720
USED AUTO
5.25%
Up to 6 Years
▼
APR5.25%
TermUp to 6 Years
Last UpdatedSep 16, 2026
Details
Term: Up to 6 Years (72 months); Rate: 5.25% APR*
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
300 Ala Moana Blvd, Honolulu, HI, 96850
New Car Loan
5.25%
5 yr
▼
APR5.25%
Term5 yr
Last UpdatedSep 16, 2026
Details
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Maui County Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
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 UpdatedSep 16, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Used Auto
5.25%
4 years
▼
APR5.25%
Term4 years
Last UpdatedSep 16, 2026
Details
Starting at; Used Auto - Based on JD Power Value
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1437 Kilauea Ave Ste 105, Hilo, HI, 96720
New Auto
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedSep 16, 2026
Details
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1437 Kilauea Ave Ste 105, Hilo, HI, 96720
New Auto
5.25%
6 Years
▼
APR5.25%
Term6 Years
Last UpdatedSep 16, 2026
Details
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Preferred
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1226 College Walk, Honolulu, HI, 96817
New Auto Loans
5.25%
Up to 72 Months
▼
APR5.25%
TermUp to 72 Months
Last UpdatedSep 16, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1226 College Walk, Honolulu, HI, 96817
Used Auto Loans
5.25%
Up to 60 Months
▼
APR5.25%
TermUp to 60 Months
Last UpdatedSep 16, 2026
Details
As Low As
Kauai Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.12%
2976 Ewalu St, Lihue, HI, 96766
New and Used Auto Loans
5.25%
up to seven years
▼
APR5.25%
Termup to seven years
Last UpdatedSep 18, 2026
Details
Rates as low as 5.25% APR*
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI, 96786 0669
New Auto Loan
5.25%
Up to 48 months
▼
APR5.25%
TermUp to 48 months
Last UpdatedSep 20, 2026
Details
As Low As
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
2019 S King St, Honolulu, HI, 96826
New Auto/Truck
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedSep 20, 2026
Details
Hamakua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
28 490 Kaakepa Street, Pepeekeo, HI, 96783
Pre-owned Autos
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedSep 16, 2026
Details
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
1244 Kaumualii St, Honolulu, HI, 96817
Auto Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedSep 16, 2026
Details
Rates are based on your credit score and are subject to change. Payment example: A 72-month vehicle loan of $35,000 with an Annual Percentage Rate (APR) of 5.49% would have monthly principal plus interest payments of $572. Other rates and terms available. Membership eligibility requirements apply.
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedSep 20, 2026
Details
As Low As; New Auto***
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
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 UpdatedSep 21, 2026
Details
Published APR range: 5.49% - 17.49%.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Used Auto (3 to 5 Years Old)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.49% - 17.49%.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Used Auto Equity
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.49% - 15.99%.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
Used Auto
5.50%
5 Years
▼
APR5.50%
Term5 Years
Last UpdatedSep 14, 2026
Details
As Low As; *
Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
40 Hickam Ct, Honolulu, HI, 96818 4834
Used Auto
5.50%
Up to 4 years
▼
APR5.50%
TermUp to 4 years
Last UpdatedSep 16, 2026
Details
Honolulu Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
1200 N School St, Honolulu, HI, 96817 2013
Vehicle Loan (New)
5.50%
3-Year Term
▼
APR5.50%
Term3-Year Term
Last UpdatedSep 16, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Used Auto
5.50%
5 years
▼
APR5.50%
Term5 years
Last UpdatedSep 16, 2026
Details
Starting at; Used Auto - Based on JD Power Value
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
94 449 Ukee St, Waipahu, HI, 96797
Auto Refinance Loan
5.50%
6 Year
▼
APR5.50%
Term6 Year
Last UpdatedSep 16, 2026
Details
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 71 payments of $16.34, 1 of $16.26
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
94 449 Ukee St, Waipahu, HI, 96797
Vehicle Loan
5.50%
6 Year
▼
APR5.50%
Term6 Year
Last UpdatedSep 16, 2026
Details
Payment Example (Based on $1000; Monthly with 1 estimated final payment): 71 payments of $16.34, 1 of $16.26
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
107 E Wakea Ave, Kahului, HI, 96732
New Auto
5.50%
Up to 66 months
▼
APR5.50%
TermUp to 66 months
Last UpdatedSep 16, 2026
Details
As low as
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
107 E Wakea Ave, Kahului, HI, 96732
Used Auto
5.50%
Up to 66 months
▼
APR5.50%
TermUp to 66 months
Last UpdatedSep 16, 2026
Details
As Low As
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1437 Kilauea Ave Ste 105, Hilo, HI, 96720
New Auto
5.50%
8 Years
▼
APR5.50%
Term8 Years
Last UpdatedSep 16, 2026
Details
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Platinum
5.50%
7 Years (84 months)
▼
APR5.50%
Term7 Years (84 months)
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Preferred
5.50%
6 Months
▼
APR5.50%
Term6 Months
Last UpdatedSep 16, 2026
Details
Term: 6.5 Years (78 months); Collateral Value: 100% LTV
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
New Auto Loans
5.50%
1-3 Year
▼
APR5.50%
Term1-3 Year
Last UpdatedSep 20, 2026
Details
As low as; Ask about our Auto Loan rate match program!
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
2019 S King St, Honolulu, HI, 96826
Used Auto/Truck
5.50%
36 months
▼
APR5.50%
Term36 months
Last UpdatedSep 20, 2026
Details
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
333 Queen St, Honolulu, HI, 96813
New Auto Loan
5.65%
1-3 years
▼
APR5.65%
Term1-3 years
Last UpdatedSep 16, 2026
Details
APR as low as1
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
5.74%
Up to 48 months
▼
APR5.74%
TermUp to 48 months
Last UpdatedSep 20, 2026
Details
As Low As; New Auto***
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
5.74%
Up to 84 months
▼
APR5.74%
TermUp to 84 months
Last UpdatedSep 20, 2026
Details
As Low As; New Auto***
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto
5.74%
Up to 24 months
▼
APR5.74%
TermUp to 24 months
Last UpdatedSep 20, 2026
Details
As Low As; Used Auto*** (5 years & newer)
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto
5.74%
Up to 60 months
▼
APR5.74%
TermUp to 60 months
Last UpdatedSep 20, 2026
Details
As Low As; Used Auto*** (5 years & newer)
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto
5.74%
Up to 72 months
▼
APR5.74%
TermUp to 72 months
Last UpdatedSep 20, 2026
Details
As Low As; Used Auto*** (5 years & newer)
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
Used Auto
5.75%
6 Years
▼
APR5.75%
Term6 Years
Last UpdatedSep 14, 2026
Details
As Low As; *
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
333 Queen St, Honolulu, HI, 96813
New Auto Loan
5.75%
4 years
▼
APR5.75%
Term4 years
Last UpdatedSep 16, 2026
Details
APR as low as1
Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
40 Hickam Ct, Honolulu, HI, 96818 4834
New Autos
5.75%
Up to 7 years
▼
APR5.75%
TermUp to 7 years
Last UpdatedSep 16, 2026
Details
($20,000+)
Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
40 Hickam Ct, Honolulu, HI, 96818 4834
Used Auto
5.75%
Up to 6 years
▼
APR5.75%
TermUp to 6 years
Last UpdatedSep 16, 2026
Details
Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
40 Hickam Ct, Honolulu, HI, 96818 4834
Used Auto
5.75%
Up to 5 years
▼
APR5.75%
TermUp to 5 years
Last UpdatedSep 16, 2026
Details
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Preferred
5.75%
6 Years (72 months)
▼
APR5.75%
Term6 Years (72 months)
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
27 251 Old Mamalahoa Hwy, Papaikou, HI, 96781
Vehicle Loans
5.75%
60 - 72 Months
▼
APR5.75%
Interest Rate5.75%
Term60 - 72 Months
Last UpdatedSep 16, 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.
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1226 College Walk, Honolulu, HI, 96817
New Auto Loans
5.75%
Up to 84 Months
▼
APR5.75%
TermUp to 84 Months
Last UpdatedSep 16, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1226 College Walk, Honolulu, HI, 96817
Used Auto Loans
5.75%
Up to 72 Months
▼
APR5.75%
TermUp to 72 Months
Last UpdatedSep 16, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
New Auto Loans
5.75%
4-Year
▼
APR5.75%
Term4-Year
Last UpdatedSep 20, 2026
Details
As low as; Ask about our Auto Loan rate match program!
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
2019 S King St, Honolulu, HI, 96826
Used Auto/Truck
5.75%
48 months
▼
APR5.75%
Term48 months
Last UpdatedSep 20, 2026
Details
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
333 Queen St, Honolulu, HI, 96813
New Auto Loan
5.85%
5 years
▼
APR5.85%
Term5 years
Last UpdatedSep 16, 2026
Details
APR as low as1
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
333 Queen St, Honolulu, HI, 96813
New Auto Loan
5.95%
6 years
▼
APR5.95%
Term6 years
Last UpdatedSep 16, 2026
Details
APR as low as1
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
New Auto Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedSep 16, 2026
Details
APR* (as low as)
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto
5.99%
Up to 36 months
▼
APR5.99%
TermUp to 36 months
Last UpdatedSep 20, 2026
Details
As Low As; Used Auto*** (5 years & newer)
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto
5.99%
Up to 24 months
▼
APR5.99%
TermUp to 24 months
Last UpdatedSep 20, 2026
Details
As Low As; Used Auto*** (6-10 years old)
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Older Used Auto (6 Years and Older)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.99% - 17.49%.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Used Auto (3 to 5 Years Old)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.99% - 17.49%. 2
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
300 Ala Moana Blvd, Honolulu, HI, 96850
New Car Loan
6.00%
6 yr
▼
APR6.00%
Term6 yr
Last UpdatedSep 16, 2026
Details
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
300 Ala Moana Blvd, Honolulu, HI, 96850
New car must be an electric or hybrid vehicle powered by alternative fuels. Loan
6.00%
7 yr
▼
APR6.00%
Term7 yr
Last UpdatedSep 16, 2026
Details
New car must be an electric or hybrid vehicle powered by alternative fuels.
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
94 449 Ukee St, Waipahu, HI, 96797
Vehicle Loan - 7 Year
6.00%
7 Year
▼
APR6.00%
Term7 Year
Last UpdatedSep 16, 2026
Details
83 monthly of $14.61, 1 of $14.54
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
94 449 Ukee St, Waipahu, HI, 96797
Vehicle Loans - 7 Year
6.00%
7 Year
▼
APR6.00%
Term7 Year
Last UpdatedSep 16, 2026
Details
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 83 monthly of $14.61, 1 of $14.54
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1437 Kilauea Ave Ste 105, Hilo, HI, 96720
Used Auto
6.00%
7 Years
▼
APR6.00%
Term7 Years
Last UpdatedSep 16, 2026
Details
Vehicles up to blue book
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Standard
6.00%
Up to 3 Years
▼
APR6.00%
TermUp to 3 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
New Auto Loans
6.00%
5-Year
▼
APR6.00%
Term5-Year
Last UpdatedSep 20, 2026
Details
As low as; Ask about our Auto Loan rate match program!
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
2019 S King St, Honolulu, HI, 96826
New Auto/Truck
6.00%
72 months
▼
APR6.00%
Term72 months
Last UpdatedSep 20, 2026
Details
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
2019 S King St, Honolulu, HI, 96826
Used Auto/Truck
6.00%
60 months
▼
APR6.00%
Term60 months
Last UpdatedSep 20, 2026
Details
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
681 S King St, Honolulu, HI, 96813 3016
New Auto
6.00%
6 yr
▼
APR6.00%
Term6 yr
Last UpdatedSep 21, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto
6.24%
Up to 48 months
▼
APR6.24%
TermUp to 48 months
Last UpdatedSep 20, 2026
Details
As Low As; Used Auto*** (5 years & newer)
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto
6.24%
Up to 84 months
▼
APR6.24%
TermUp to 84 months
Last UpdatedSep 20, 2026
Details
As Low As; Used Auto*** (5 years & newer)
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto
6.24%
Up to 36 months
▼
APR6.24%
TermUp to 36 months
Last UpdatedSep 20, 2026
Details
As Low As; Used Auto*** (6-10 years old)
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
New Auto Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedSep 16, 2026
Details
APR* (as low as)
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
300 Ala Moana Blvd, Honolulu, HI, 96850
Auto Loans
6.25%
7 yr
▼
APR6.25%
Term7 yr
Last UpdatedSep 16, 2026
Details
Up to 120% of invoice or MSRP (whichever is less).
Honolulu Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
1200 N School St, Honolulu, HI, 96817 2013
Vehicle Loan (Used)
6.25%
3-Year Term
▼
APR6.25%
Term3-Year Term
Last UpdatedSep 16, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
New Auto
6.25%
7 Years
▼
APR6.25%
Term7 Years
Last UpdatedSep 16, 2026
Details
Term: 7 Years ($25,000 min); Starting at; New Auto - Based on JD Power Value
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Used Auto
6.25%
6 years
▼
APR6.25%
Term6 years
Last UpdatedSep 16, 2026
Details
Starting at; Used Auto - Based on JD Power Value
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
107 E Wakea Ave, Kahului, HI, 96732
New Auto
6.25%
78 months
▼
APR6.25%
Term78 months
Last UpdatedSep 16, 2026
Details
As low as
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
107 E Wakea Ave, Kahului, HI, 96732
Used Auto
6.25%
78 months
▼
APR6.25%
Term78 months
Last UpdatedSep 16, 2026
Details
As Low As
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Standard
6.25%
Up to 3 Years
▼
APR6.25%
TermUp to 3 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI, 96786 0669
New Auto Loan
6.25%
60 months
▼
APR6.25%
Term60 months
Last UpdatedSep 20, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI, 96786 0669
Used Auto Loan
6.25%
Up to 36 months
▼
APR6.25%
TermUp to 36 months
Last UpdatedSep 20, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
New Auto Loans
6.25%
6-Year
▼
APR6.25%
Term6-Year
Last UpdatedSep 20, 2026
Details
As low as; Ask about our Auto Loan rate match program!
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Used Auto Loans
6.25%
1-3 Year
▼
APR6.25%
Term1-3 Year
Last UpdatedSep 20, 2026
Details
As low as; Ask about our Auto Loan rate match
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
333 Queen St, Honolulu, HI, 96813
Used Auto Loan
6.40%
1-3 years
▼
APR6.40%
Term1-3 years
Last UpdatedSep 16, 2026
Details
APR as low as1
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Autos over five years old
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 6.49% - 15.99%.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
New Auto and Used Auto (2 Years Old)
6.49%
96 Months1
▼
APR6.49%
Term96 Months1
Last UpdatedSep 21, 2026
Details
Published APR range: 6.49% - 9.99%.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Older Used Auto (6 Years and Older)
6.49%
72 Months3
▼
APR6.49%
Term72 Months3
Last UpdatedSep 21, 2026
Details
Published APR range: 6.49% - 17.49%.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
New Auto
6.50%
7 Years
▼
APR6.50%
Term7 Years
Last UpdatedSep 14, 2026
Details
As Low As; *
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
New Auto Loan
6.50%
78 Months
▼
APR6.50%
Term78 Months
Last UpdatedSep 16, 2026
Details
APR* (as low as)
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
333 Queen St, Honolulu, HI, 96813
Used Auto Loan
6.50%
4 years
▼
APR6.50%
Term4 years
Last UpdatedSep 16, 2026
Details
APR as low as1
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
131 Puuhonu Way, Hilo, HI, 96720
NEW AUTO
6.50%
Up to 7 Years
▼
APR6.50%
TermUp to 7 Years
Last UpdatedSep 16, 2026
Details
Term: Up to 7 Years (84 months); Rate includes *. See notes.
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
94 449 Ukee St, Waipahu, HI, 96797
Auto Refinance Loan
6.50%
7 Year
▼
APR6.50%
Term7 Year
Last UpdatedSep 16, 2026
Details
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 83 payments of $14.85, 1 of $14.77
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
94 449 Ukee St, Waipahu, HI, 96797
Vehicle Loan
6.50%
7 Year
▼
APR6.50%
Term7 Year
Last UpdatedSep 16, 2026
Details
Payment Example (Based on $1000; Monthly with 1 estimated final payment): 83 payments of $14.85, 1 of $14.77
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Standard
6.50%
4 Years
▼
APR6.50%
Term4 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Used Auto Loans
6.50%
4-Year
▼
APR6.50%
Term4-Year
Last UpdatedSep 20, 2026
Details
As low as; Ask about our Auto Loan rate match
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
681 S King St, Honolulu, HI, 96813 3016
New Auto
6.50%
7 yr
▼
APR6.50%
Term7 yr
Last UpdatedSep 21, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
333 Queen St, Honolulu, HI, 96813
Used Auto Loan
6.60%
5 years
▼
APR6.60%
Term5 years
Last UpdatedSep 16, 2026
Details
APR as low as1
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
333 Queen St, Honolulu, HI, 96813
Used Auto Loan
6.70%
6 years
▼
APR6.70%
Term6 years
Last UpdatedSep 16, 2026
Details
APR as low as1
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
333 Queen St, Honolulu, HI, 96813
New Auto Loan
6.75%
7 years
▼
APR6.75%
Term7 years
Last UpdatedSep 16, 2026
Details
APR as low as1
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
107 E Wakea Ave, Kahului, HI, 96732
Used Autos over 5 years old
6.75%
66 months
▼
APR6.75%
Term66 months
Last UpdatedSep 16, 2026
Details
As Low As
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Standard
6.75%
4 Years
▼
APR6.75%
Term4 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
27 251 Old Mamalahoa Hwy, Papaikou, HI, 96781
Vehicle Loans
6.75%
84 Months
▼
APR6.75%
Interest Rate6.75%
Term84 Months
Last UpdatedSep 16, 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: 0.23%
PO Box 860669, Wahiawa, HI, 96786 0669
New Auto Loan
6.75%
72 months
▼
APR6.75%
Term72 months
Last UpdatedSep 20, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI, 96786 0669
Used Auto Loan
6.75%
48 months
▼
APR6.75%
Term48 months
Last UpdatedSep 20, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Used Auto Loans
6.75%
5-Year
▼
APR6.75%
Term5-Year
Last UpdatedSep 20, 2026
Details
As low as; Ask about our Auto Loan rate match
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
2019 S King St, Honolulu, HI, 96826
Used Auto/Truck
6.75%
72 months
▼
APR6.75%
Term72 months
Last UpdatedSep 20, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
Used Auto
7.00%
7 Years
▼
APR7.00%
Term7 Years
Last UpdatedSep 14, 2026
Details
As Low As; *
Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
40 Hickam Ct, Honolulu, HI, 96818 4834
Used Auto
7.00%
Up to 7 years
▼
APR7.00%
TermUp to 7 years
Last UpdatedSep 16, 2026
Details
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Standard
7.00%
5 Years
▼
APR7.00%
Term5 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
Auto Loan
7.00%
36 months or less
▼
APR7.00%
Interest Rate7.00%
Term36 months or less
Last UpdatedSep 20, 2026
Details
Lowest rates advertised are based on a term of 36 months or less and LTV of 120% or less. Rates are higher for terms greater than 36 months. LTV is based on Kelley Blue Book (KBB) valuation, terms up to 84 months. Monthly payments on a $25,000 loan for 36 months could be as low as $757.34.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Used Auto Loans
7.00%
6-Year
▼
APR7.00%
Term6-Year
Last UpdatedSep 20, 2026
Details
As low as; Ask about our Auto Loan rate match
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
2019 S King St, Honolulu, HI, 96826
New Auto/Truck
7.00%
84 months
▼
APR7.00%
Term84 months
Last UpdatedSep 20, 2026
Details
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Used Auto
7.25%
7 years
▼
APR7.25%
Term7 years
Last UpdatedSep 16, 2026
Details
Term: 7 years ($20,000 min); Starting at; Used Auto - Based on JD Power Value
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
107 E Wakea Ave, Kahului, HI, 96732
New Auto
7.25%
90 months
▼
APR7.25%
Term90 months
Last UpdatedSep 16, 2026
Details
As low as
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
107 E Wakea Ave, Kahului, HI, 96732
Used Auto
7.25%
90 months
▼
APR7.25%
Term90 months
Last UpdatedSep 16, 2026
Details
As Low As
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Standard
7.25%
5 Years
▼
APR7.25%
Term5 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI, 96786 0669
New Auto Loan
7.25%
84 months
▼
APR7.25%
Term84 months
Last UpdatedSep 20, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI, 96786 0669
Used Auto Loan
7.25%
60 months
▼
APR7.25%
Term60 months
Last UpdatedSep 20, 2026
Details
As Low As
Powered by
MonitorBankRates
Hawaii New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Platinum
3.00%
Up to 3 Years
▼
APR3.00%
TermUp to 3 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2969 Umi St, Lihue, HI, 96766 1345
New Auto
3.50%
Up to 8 years
▼
APR3.50%
TermUp to 8 years
Last UpdatedSep 16, 2026
Details
Loan Amount: 100% Financing
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Platinum
3.50%
4 Years
▼
APR3.50%
Term4 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
New Auto Loans
3.70%
Special: 2 & 3 Years
▼
APR3.70%
Interest Rate3.70%
TermSpecial: 2 & 3 Years
Last UpdatedSep 18, 2026
Details
Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
40 Hickam Ct, Honolulu, HI, 96818 4834
New Autos
3.75%
Up to 3 years
▼
APR3.75%
TermUp to 3 years
Last UpdatedSep 16, 2026
Details
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Platinum
3.75%
5 Years
▼
APR3.75%
Term5 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1226 College Walk, Honolulu, HI, 96817
New Auto Loans
3.75%
Up to 36 Months
▼
APR3.75%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details
As Low As
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
New Auto Loans
3.75%
Special: 4 Years
▼
APR3.75%
Interest Rate3.75%
TermSpecial: 4 Years
Last UpdatedSep 18, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
New & Used Auto Loan
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedSep 14, 2026
Details
An additional 0.25% discount for hybrid/electric vehicles. APR disclosed is the lowest rate available for a 36-month term. Rate shown includes 0.25% discount for electric and hybrid vehicles. Payment Example: A $10,000 loan at the rate of 4.00% APR will have a monthly payment of $295.24 for 36 months with a total paid interest of $628.63. Other rates and terms available. All loans are subject to qualifications and approval. Certain terms and conditions apply. Rates are subject to change without notice. HIFICU membership required. Effective 8/1/2026 - 9/30/2026. The Annual Percentage Rate that you receive will be within the disclosed range and is based on certain creditworthiness factors. Please contact us for the rate you qualify for. For used autos and refinancing, maximum age of the automobile must be 6 years old to finance.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
New Auto
4.00%
3 Years
▼
APR4.00%
Term3 Years
Last UpdatedSep 14, 2026
Details
As Low As; **
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Platinum
4.00%
6 Years (72 months)
▼
APR4.00%
Term6 Years (72 months)
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Preferred
4.00%
Up to 3 Years
▼
APR4.00%
TermUp to 3 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
New Auto Loans
4.00%
Special: 5 Years
▼
APR4.00%
Interest Rate4.00%
TermSpecial: 5 Years
Last UpdatedSep 18, 2026
Details
Hamakua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
28 490 Kaakepa Street, Pepeekeo, HI, 96783
New Autos
4.24%
Up to 84 Months
▼
APR4.24%
TermUp to 84 Months
Last UpdatedSep 16, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1226 College Walk, Honolulu, HI, 96817
New Auto Loans
4.25%
Up to 48 Months
▼
APR4.25%
TermUp to 48 Months
Last UpdatedSep 16, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
4.49%
Up to 12 months
▼
APR4.49%
TermUp to 12 months
Last UpdatedSep 20, 2026
Details
As Low As; New Auto***
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
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 UpdatedSep 21, 2026
Details
Published APR range: 4.49% - 17.49%.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
New Auto
4.50%
4 Years
▼
APR4.50%
Term4 Years
Last UpdatedSep 14, 2026
Details
As Low As; *
Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
40 Hickam Ct, Honolulu, HI, 96818 4834
New Autos
4.50%
Up to 4 years
▼
APR4.50%
TermUp to 4 years
Last UpdatedSep 16, 2026
Details
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
131 Puuhonu Way, Hilo, HI, 96720
NEW AUTO
4.50%
Up to 5 Years
▼
APR4.50%
TermUp to 5 Years
Last UpdatedSep 16, 2026
Details
Term: Up to 5 Years (60 months); Rate includes *. See notes.
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
300 Ala Moana Blvd, Honolulu, HI, 96850
New car must be an electric or hybrid vehicle powered by alternative fuels. Loan
4.50%
5 yr
▼
APR4.50%
Term5 yr
Last UpdatedSep 16, 2026
Details
New car must be an electric or hybrid vehicle powered by alternative fuels.
Maui County Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
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 UpdatedSep 16, 2026
Details
As Low As
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Platinum
4.50%
6 Months
▼
APR4.50%
Term6 Months
Last UpdatedSep 16, 2026
Details
Term: 6.5 Years (78 months); Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Preferred
4.50%
4 Years
▼
APR4.50%
Term4 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
New Auto Loans
4.50%
6 Year
▼
APR4.50%
Interest Rate4.50%
Term6 Year
Last UpdatedSep 18, 2026
Details
1
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
681 S King St, Honolulu, HI, 96813 3016
New Auto
4.50%
3 yr
▼
APR4.50%
Term3 yr
Last UpdatedSep 21, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
New Auto
4.75%
5 Years
▼
APR4.75%
Term5 Years
Last UpdatedSep 14, 2026
Details
As Low As; *
Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
40 Hickam Ct, Honolulu, HI, 96818 4834
New Autos
4.75%
Up to 6 years
▼
APR4.75%
TermUp to 6 years
Last UpdatedSep 16, 2026
Details
($15,000+)
Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
40 Hickam Ct, Honolulu, HI, 96818 4834
New Autos
4.75%
Up to 5 years
▼
APR4.75%
TermUp to 5 years
Last UpdatedSep 16, 2026
Details
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
300 Ala Moana Blvd, Honolulu, HI, 96850
New Car Loan
4.75%
3 yr
▼
APR4.75%
Term3 yr
Last UpdatedSep 16, 2026
Details
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
300 Ala Moana Blvd, Honolulu, HI, 96850
New car must be an electric or hybrid vehicle powered by alternative fuels. Loan
4.75%
6 yr
▼
APR4.75%
Term6 yr
Last UpdatedSep 16, 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: 0.09%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
New Auto
4.75%
5 years
▼
APR4.75%
Term5 years
Last UpdatedSep 16, 2026
Details
Starting at; New Auto - Based on JD Power Value
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Preferred
4.75%
5 Years
▼
APR4.75%
Term5 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1226 College Walk, Honolulu, HI, 96817
New Auto Loans
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedSep 16, 2026
Details
As Low As
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
2019 S King St, Honolulu, HI, 96826
New Auto/Truck
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedSep 20, 2026
Details
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
681 S King St, Honolulu, HI, 96813 3016
New Auto
4.75%
4 yr
▼
APR4.75%
Term4 yr
Last UpdatedSep 21, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
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 UpdatedSep 21, 2026
Details
Published APR range: 4.99% - 17.49%.
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
300 Ala Moana Blvd, Honolulu, HI, 96850
New Car Loan
5.00%
4 yr
▼
APR5.00%
Term4 yr
Last UpdatedSep 16, 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: 0.09%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
New Auto
5.00%
6 years
▼
APR5.00%
Term6 years
Last UpdatedSep 16, 2026
Details
Starting at; New Auto - Based on JD Power Value
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1437 Kilauea Ave Ste 105, Hilo, HI, 96720
New Auto
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedSep 16, 2026
Details
100% of invoice
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Preferred
5.00%
6 Years (72 months)
▼
APR5.00%
Term6 Years (72 months)
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
New Auto Loans
5.00%
7 Year
▼
APR5.00%
Interest Rate5.00%
Term7 Year
Last UpdatedSep 18, 2026
Details
1
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
2019 S King St, Honolulu, HI, 96826
New Auto/Truck
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedSep 20, 2026
Details
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
681 S King St, Honolulu, HI, 96813 3016
New Auto
5.00%
5 yr
▼
APR5.00%
Term5 yr
Last UpdatedSep 21, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
5.24%
Up to 24 months
▼
APR5.24%
TermUp to 24 months
Last UpdatedSep 20, 2026
Details
As Low As; New Auto***
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedSep 20, 2026
Details
As Low As; New Auto***
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
5.24%
Up to 72 months
▼
APR5.24%
TermUp to 72 months
Last UpdatedSep 20, 2026
Details
As Low As; New Auto***
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
New Auto
5.25%
6 Years
▼
APR5.25%
Term6 Years
Last UpdatedSep 14, 2026
Details
As Low As; *
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
131 Puuhonu Way, Hilo, HI, 96720
NEW AUTO
5.25%
Up to 6 Years
▼
APR5.25%
TermUp to 6 Years
Last UpdatedSep 16, 2026
Details
Term: Up to 6 Years (72 months); Rate includes *. See notes.
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
300 Ala Moana Blvd, Honolulu, HI, 96850
New Car Loan
5.25%
5 yr
▼
APR5.25%
Term5 yr
Last UpdatedSep 16, 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: 0.00%
1437 Kilauea Ave Ste 105, Hilo, HI, 96720
New Auto
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedSep 16, 2026
Details
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1437 Kilauea Ave Ste 105, Hilo, HI, 96720
New Auto
5.25%
6 Years
▼
APR5.25%
Term6 Years
Last UpdatedSep 16, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1226 College Walk, Honolulu, HI, 96817
New Auto Loans
5.25%
Up to 72 Months
▼
APR5.25%
TermUp to 72 Months
Last UpdatedSep 16, 2026
Details
As Low As
Kauai Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.12%
2976 Ewalu St, Lihue, HI, 96766
New and Used Auto Loans
5.25%
up to seven years
▼
APR5.25%
Termup to seven years
Last UpdatedSep 18, 2026
Details
Rates as low as 5.25% APR*
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI, 96786 0669
New Auto Loan
5.25%
Up to 48 months
▼
APR5.25%
TermUp to 48 months
Last UpdatedSep 20, 2026
Details
As Low As
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
2019 S King St, Honolulu, HI, 96826
New Auto/Truck
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedSep 20, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedSep 20, 2026
Details
As Low As; New Auto***
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
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 UpdatedSep 21, 2026
Details
Published APR range: 5.49% - 17.49%.
Honolulu Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
1200 N School St, Honolulu, HI, 96817 2013
Vehicle Loan (New)
5.50%
3-Year Term
▼
APR5.50%
Term3-Year Term
Last UpdatedSep 16, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
107 E Wakea Ave, Kahului, HI, 96732
New Auto
5.50%
Up to 66 months
▼
APR5.50%
TermUp to 66 months
Last UpdatedSep 16, 2026
Details
As low as
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1437 Kilauea Ave Ste 105, Hilo, HI, 96720
New Auto
5.50%
8 Years
▼
APR5.50%
Term8 Years
Last UpdatedSep 16, 2026
Details
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Platinum
5.50%
7 Years (84 months)
▼
APR5.50%
Term7 Years (84 months)
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Preferred
5.50%
6 Months
▼
APR5.50%
Term6 Months
Last UpdatedSep 16, 2026
Details
Term: 6.5 Years (78 months); Collateral Value: 100% LTV
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
New Auto Loans
5.50%
1-3 Year
▼
APR5.50%
Term1-3 Year
Last UpdatedSep 20, 2026
Details
As low as; Ask about our Auto Loan rate match program!
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
333 Queen St, Honolulu, HI, 96813
New Auto Loan
5.65%
1-3 years
▼
APR5.65%
Term1-3 years
Last UpdatedSep 16, 2026
Details
APR as low as1
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
5.74%
Up to 48 months
▼
APR5.74%
TermUp to 48 months
Last UpdatedSep 20, 2026
Details
As Low As; New Auto***
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
New Auto
5.74%
Up to 84 months
▼
APR5.74%
TermUp to 84 months
Last UpdatedSep 20, 2026
Details
As Low As; New Auto***
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
333 Queen St, Honolulu, HI, 96813
New Auto Loan
5.75%
4 years
▼
APR5.75%
Term4 years
Last UpdatedSep 16, 2026
Details
APR as low as1
Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
40 Hickam Ct, Honolulu, HI, 96818 4834
New Autos
5.75%
Up to 7 years
▼
APR5.75%
TermUp to 7 years
Last UpdatedSep 16, 2026
Details
($20,000+)
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1226 College Walk, Honolulu, HI, 96817
New Auto Loans
5.75%
Up to 84 Months
▼
APR5.75%
TermUp to 84 Months
Last UpdatedSep 16, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
New Auto Loans
5.75%
4-Year
▼
APR5.75%
Term4-Year
Last UpdatedSep 20, 2026
Details
As low as; Ask about our Auto Loan rate match program!
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
333 Queen St, Honolulu, HI, 96813
New Auto Loan
5.85%
5 years
▼
APR5.85%
Term5 years
Last UpdatedSep 16, 2026
Details
APR as low as1
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
333 Queen St, Honolulu, HI, 96813
New Auto Loan
5.95%
6 years
▼
APR5.95%
Term6 years
Last UpdatedSep 16, 2026
Details
APR as low as1
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
New Auto Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedSep 16, 2026
Details
APR* (as low as)
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
300 Ala Moana Blvd, Honolulu, HI, 96850
New Car Loan
6.00%
6 yr
▼
APR6.00%
Term6 yr
Last UpdatedSep 16, 2026
Details
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
300 Ala Moana Blvd, Honolulu, HI, 96850
New car must be an electric or hybrid vehicle powered by alternative fuels. Loan
6.00%
7 yr
▼
APR6.00%
Term7 yr
Last UpdatedSep 16, 2026
Details
New car must be an electric or hybrid vehicle powered by alternative fuels.
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Standard
6.00%
Up to 3 Years
▼
APR6.00%
TermUp to 3 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
New Auto Loans
6.00%
5-Year
▼
APR6.00%
Term5-Year
Last UpdatedSep 20, 2026
Details
As low as; Ask about our Auto Loan rate match program!
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
2019 S King St, Honolulu, HI, 96826
New Auto/Truck
6.00%
72 months
▼
APR6.00%
Term72 months
Last UpdatedSep 20, 2026
Details
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
681 S King St, Honolulu, HI, 96813 3016
New Auto
6.00%
6 yr
▼
APR6.00%
Term6 yr
Last UpdatedSep 21, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
New Auto Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedSep 16, 2026
Details
APR* (as low as)
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
New Auto
6.25%
7 Years
▼
APR6.25%
Term7 Years
Last UpdatedSep 16, 2026
Details
Term: 7 Years ($25,000 min); Starting at; New Auto - Based on JD Power Value
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
107 E Wakea Ave, Kahului, HI, 96732
New Auto
6.25%
78 months
▼
APR6.25%
Term78 months
Last UpdatedSep 16, 2026
Details
As low as
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI, 96786 0669
New Auto Loan
6.25%
60 months
▼
APR6.25%
Term60 months
Last UpdatedSep 20, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
New Auto Loans
6.25%
6-Year
▼
APR6.25%
Term6-Year
Last UpdatedSep 20, 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: 4.15%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
New Auto and Used Auto (2 Years Old)
6.49%
96 Months1
▼
APR6.49%
Term96 Months1
Last UpdatedSep 21, 2026
Details
Published APR range: 6.49% - 9.99%.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
New Auto
6.50%
7 Years
▼
APR6.50%
Term7 Years
Last UpdatedSep 14, 2026
Details
As Low As; *
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
New Auto Loan
6.50%
78 Months
▼
APR6.50%
Term78 Months
Last UpdatedSep 16, 2026
Details
APR* (as low as)
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
131 Puuhonu Way, Hilo, HI, 96720
NEW AUTO
6.50%
Up to 7 Years
▼
APR6.50%
TermUp to 7 Years
Last UpdatedSep 16, 2026
Details
Term: Up to 7 Years (84 months); Rate includes *. See notes.
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Standard
6.50%
4 Years
▼
APR6.50%
Term4 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
681 S King St, Honolulu, HI, 96813 3016
New Auto
6.50%
7 yr
▼
APR6.50%
Term7 yr
Last UpdatedSep 21, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
333 Queen St, Honolulu, HI, 96813
New Auto Loan
6.75%
7 years
▼
APR6.75%
Term7 years
Last UpdatedSep 16, 2026
Details
APR as low as1
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI, 96786 0669
New Auto Loan
6.75%
72 months
▼
APR6.75%
Term72 months
Last UpdatedSep 20, 2026
Details
As Low As
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
New Auto Loans - Standard
7.00%
5 Years
▼
APR7.00%
Term5 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
2019 S King St, Honolulu, HI, 96826
New Auto/Truck
7.00%
84 months
▼
APR7.00%
Term84 months
Last UpdatedSep 20, 2026
Details
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
107 E Wakea Ave, Kahului, HI, 96732
New Auto
7.25%
90 months
▼
APR7.25%
Term90 months
Last UpdatedSep 16, 2026
Details
As low as
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI, 96786 0669
New Auto Loan
7.25%
84 months
▼
APR7.25%
Term84 months
Last UpdatedSep 20, 2026
Details
As Low As
Powered by
MonitorBankRates
Hawaii Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Platinum
3.25%
Up to 3 Years
▼
APR3.25%
TermUp to 3 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Used Auto Loans
3.70%
Special: 2 & 3 Years
▼
APR3.70%
Interest Rate3.70%
TermSpecial: 2 & 3 Years
Last UpdatedSep 18, 2026
Details
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Platinum
3.75%
4 Years
▼
APR3.75%
Term4 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Used Auto Loans
3.75%
Special: 4 Years
▼
APR3.75%
Interest Rate3.75%
TermSpecial: 4 Years
Last UpdatedSep 18, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
New & Used Auto Loan
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedSep 14, 2026
Details
An additional 0.25% discount for hybrid/electric vehicles. APR disclosed is the lowest rate available for a 36-month term. Rate shown includes 0.25% discount for electric and hybrid vehicles. Payment Example: A $10,000 loan at the rate of 4.00% APR will have a monthly payment of $295.24 for 36 months with a total paid interest of $628.63. Other rates and terms available. All loans are subject to qualifications and approval. Certain terms and conditions apply. Rates are subject to change without notice. HIFICU membership required. Effective 8/1/2026 - 9/30/2026. The Annual Percentage Rate that you receive will be within the disclosed range and is based on certain creditworthiness factors. Please contact us for the rate you qualify for. For used autos and refinancing, maximum age of the automobile must be 6 years old to finance.
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
131 Puuhonu Way, Hilo, HI, 96720
USED AUTO
4.00%
Up to 4 Years
▼
APR4.00%
TermUp to 4 Years
Last UpdatedSep 16, 2026
Details
Term: Up to 4 Years (48 months); Rate: 4.00% APR*
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2969 Umi St, Lihue, HI, 96766 1345
Used Auto
4.00%
Up to 8 years
▼
APR4.00%
TermUp to 8 years
Last UpdatedSep 16, 2026
Details
Loan Amount: Up to 100% Financing of Kelly Blue Book Retail Value
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Used Auto Loans
4.00%
Special: 5 Years
▼
APR4.00%
Interest Rate4.00%
TermSpecial: 5 Years
Last UpdatedSep 18, 2026
Details
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Platinum
4.25%
5 Years
▼
APR4.25%
Term5 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Preferred
4.25%
Up to 3 Years
▼
APR4.25%
TermUp to 3 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1226 College Walk, Honolulu, HI, 96817
Used Auto Loans
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
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 UpdatedSep 21, 2026
Details
Published APR range: 4.49% - 17.49%.
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
131 Puuhonu Way, Hilo, HI, 96720
USED AUTO
4.50%
Up to 5 Years
▼
APR4.50%
TermUp to 5 Years
Last UpdatedSep 16, 2026
Details
Term: Up to 5 Years (60 months); Rate: 4.50% APR*
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Platinum
4.75%
6 Years (72 months)
▼
APR4.75%
Term6 Years (72 months)
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Preferred
4.75%
4 Years
▼
APR4.75%
Term4 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1226 College Walk, Honolulu, HI, 96817
Used Auto Loans
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedSep 16, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto
4.99%
Up to 12 months
▼
APR4.99%
TermUp to 12 months
Last UpdatedSep 20, 2026
Details
As Low As; Used Auto*** (5 years & newer)
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
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 UpdatedSep 21, 2026
Details
Published APR range: 4.99% - 17.49%.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Used Auto (3 to 5 Years Old)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.99% - 17.49%.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
Used Auto
5.00%
3 Years
▼
APR5.00%
Term3 Years
Last UpdatedSep 14, 2026
Details
As Low As; *
Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
40 Hickam Ct, Honolulu, HI, 96818 4834
Used Auto
5.00%
Up to 3 years
▼
APR5.00%
TermUp to 3 years
Last UpdatedSep 16, 2026
Details
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Used Auto
5.00%
3 years
▼
APR5.00%
Term3 years
Last UpdatedSep 16, 2026
Details
Starting at; Used Auto - Based on JD Power Value
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Used Auto Loans
5.00%
Special: 6 Years
▼
APR5.00%
Interest Rate5.00%
TermSpecial: 6 Years
Last UpdatedSep 18, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto
5.24%
Up to 12 months
▼
APR5.24%
TermUp to 12 months
Last UpdatedSep 20, 2026
Details
As Low As; Used Auto*** (6-10 years old)
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
Used Auto
5.25%
4 Years
▼
APR5.25%
Term4 Years
Last UpdatedSep 14, 2026
Details
As Low As; *
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
131 Puuhonu Way, Hilo, HI, 96720
USED AUTO
5.25%
Up to 6 Years
▼
APR5.25%
TermUp to 6 Years
Last UpdatedSep 16, 2026
Details
Term: Up to 6 Years (72 months); Rate: 5.25% APR*
Maui County Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
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 UpdatedSep 16, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Used Auto
5.25%
4 years
▼
APR5.25%
Term4 years
Last UpdatedSep 16, 2026
Details
Starting at; Used Auto - Based on JD Power Value
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Preferred
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1226 College Walk, Honolulu, HI, 96817
Used Auto Loans
5.25%
Up to 60 Months
▼
APR5.25%
TermUp to 60 Months
Last UpdatedSep 16, 2026
Details
As Low As
Kauai Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.12%
2976 Ewalu St, Lihue, HI, 96766
New and Used Auto Loans
5.25%
up to seven years
▼
APR5.25%
Termup to seven years
Last UpdatedSep 18, 2026
Details
Rates as low as 5.25% APR*
Hamakua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
28 490 Kaakepa Street, Pepeekeo, HI, 96783
Pre-owned Autos
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedSep 16, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
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 UpdatedSep 21, 2026
Details
Published APR range: 5.49% - 17.49%.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Used Auto (3 to 5 Years Old)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.49% - 17.49%.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Used Auto Equity
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.49% - 15.99%.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
Used Auto
5.50%
5 Years
▼
APR5.50%
Term5 Years
Last UpdatedSep 14, 2026
Details
As Low As; *
Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
40 Hickam Ct, Honolulu, HI, 96818 4834
Used Auto
5.50%
Up to 4 years
▼
APR5.50%
TermUp to 4 years
Last UpdatedSep 16, 2026
Details
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Used Auto
5.50%
5 years
▼
APR5.50%
Term5 years
Last UpdatedSep 16, 2026
Details
Starting at; Used Auto - Based on JD Power Value
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
107 E Wakea Ave, Kahului, HI, 96732
Used Auto
5.50%
Up to 66 months
▼
APR5.50%
TermUp to 66 months
Last UpdatedSep 16, 2026
Details
As Low As
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
2019 S King St, Honolulu, HI, 96826
Used Auto/Truck
5.50%
36 months
▼
APR5.50%
Term36 months
Last UpdatedSep 20, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto
5.74%
Up to 24 months
▼
APR5.74%
TermUp to 24 months
Last UpdatedSep 20, 2026
Details
As Low As; Used Auto*** (5 years & newer)
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto
5.74%
Up to 60 months
▼
APR5.74%
TermUp to 60 months
Last UpdatedSep 20, 2026
Details
As Low As; Used Auto*** (5 years & newer)
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto
5.74%
Up to 72 months
▼
APR5.74%
TermUp to 72 months
Last UpdatedSep 20, 2026
Details
As Low As; Used Auto*** (5 years & newer)
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
Used Auto
5.75%
6 Years
▼
APR5.75%
Term6 Years
Last UpdatedSep 14, 2026
Details
As Low As; *
Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
40 Hickam Ct, Honolulu, HI, 96818 4834
Used Auto
5.75%
Up to 6 years
▼
APR5.75%
TermUp to 6 years
Last UpdatedSep 16, 2026
Details
Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
40 Hickam Ct, Honolulu, HI, 96818 4834
Used Auto
5.75%
Up to 5 years
▼
APR5.75%
TermUp to 5 years
Last UpdatedSep 16, 2026
Details
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Preferred
5.75%
6 Years (72 months)
▼
APR5.75%
Term6 Years (72 months)
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1226 College Walk, Honolulu, HI, 96817
Used Auto Loans
5.75%
Up to 72 Months
▼
APR5.75%
TermUp to 72 Months
Last UpdatedSep 16, 2026
Details
As Low As
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
2019 S King St, Honolulu, HI, 96826
Used Auto/Truck
5.75%
48 months
▼
APR5.75%
Term48 months
Last UpdatedSep 20, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto
5.99%
Up to 36 months
▼
APR5.99%
TermUp to 36 months
Last UpdatedSep 20, 2026
Details
As Low As; Used Auto*** (5 years & newer)
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto
5.99%
Up to 24 months
▼
APR5.99%
TermUp to 24 months
Last UpdatedSep 20, 2026
Details
As Low As; Used Auto*** (6-10 years old)
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Older Used Auto (6 Years and Older)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.99% - 17.49%.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Used Auto (3 to 5 Years Old)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.99% - 17.49%. 2
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1437 Kilauea Ave Ste 105, Hilo, HI, 96720
Used Auto
6.00%
7 Years
▼
APR6.00%
Term7 Years
Last UpdatedSep 16, 2026
Details
Vehicles up to blue book
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
2019 S King St, Honolulu, HI, 96826
Used Auto/Truck
6.00%
60 months
▼
APR6.00%
Term60 months
Last UpdatedSep 20, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto
6.24%
Up to 48 months
▼
APR6.24%
TermUp to 48 months
Last UpdatedSep 20, 2026
Details
As Low As; Used Auto*** (5 years & newer)
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto
6.24%
Up to 84 months
▼
APR6.24%
TermUp to 84 months
Last UpdatedSep 20, 2026
Details
As Low As; Used Auto*** (5 years & newer)
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI, 96734
Used Auto
6.24%
Up to 36 months
▼
APR6.24%
TermUp to 36 months
Last UpdatedSep 20, 2026
Details
As Low As; Used Auto*** (6-10 years old)
Honolulu Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
1200 N School St, Honolulu, HI, 96817 2013
Vehicle Loan (Used)
6.25%
3-Year Term
▼
APR6.25%
Term3-Year Term
Last UpdatedSep 16, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Used Auto
6.25%
6 years
▼
APR6.25%
Term6 years
Last UpdatedSep 16, 2026
Details
Starting at; Used Auto - Based on JD Power Value
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
107 E Wakea Ave, Kahului, HI, 96732
Used Auto
6.25%
78 months
▼
APR6.25%
Term78 months
Last UpdatedSep 16, 2026
Details
As Low As
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Standard
6.25%
Up to 3 Years
▼
APR6.25%
TermUp to 3 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI, 96786 0669
Used Auto Loan
6.25%
Up to 36 months
▼
APR6.25%
TermUp to 36 months
Last UpdatedSep 20, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Used Auto Loans
6.25%
1-3 Year
▼
APR6.25%
Term1-3 Year
Last UpdatedSep 20, 2026
Details
As low as; Ask about our Auto Loan rate match
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
333 Queen St, Honolulu, HI, 96813
Used Auto Loan
6.40%
1-3 years
▼
APR6.40%
Term1-3 years
Last UpdatedSep 16, 2026
Details
APR as low as1
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
New Auto and Used Auto (2 Years Old)
6.49%
96 Months1
▼
APR6.49%
Term96 Months1
Last UpdatedSep 21, 2026
Details
Published APR range: 6.49% - 9.99%.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Older Used Auto (6 Years and Older)
6.49%
72 Months3
▼
APR6.49%
Term72 Months3
Last UpdatedSep 21, 2026
Details
Published APR range: 6.49% - 17.49%.
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
333 Queen St, Honolulu, HI, 96813
Used Auto Loan
6.50%
4 years
▼
APR6.50%
Term4 years
Last UpdatedSep 16, 2026
Details
APR as low as1
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Used Auto Loans
6.50%
4-Year
▼
APR6.50%
Term4-Year
Last UpdatedSep 20, 2026
Details
As low as; Ask about our Auto Loan rate match
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
333 Queen St, Honolulu, HI, 96813
Used Auto Loan
6.60%
5 years
▼
APR6.60%
Term5 years
Last UpdatedSep 16, 2026
Details
APR as low as1
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
333 Queen St, Honolulu, HI, 96813
Used Auto Loan
6.70%
6 years
▼
APR6.70%
Term6 years
Last UpdatedSep 16, 2026
Details
APR as low as1
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
107 E Wakea Ave, Kahului, HI, 96732
Used Autos over 5 years old
6.75%
66 months
▼
APR6.75%
Term66 months
Last UpdatedSep 16, 2026
Details
As Low As
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Standard
6.75%
4 Years
▼
APR6.75%
Term4 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI, 96786 0669
Used Auto Loan
6.75%
48 months
▼
APR6.75%
Term48 months
Last UpdatedSep 20, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Used Auto Loans
6.75%
5-Year
▼
APR6.75%
Term5-Year
Last UpdatedSep 20, 2026
Details
As low as; Ask about our Auto Loan rate match
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
2019 S King St, Honolulu, HI, 96826
Used Auto/Truck
6.75%
72 months
▼
APR6.75%
Term72 months
Last UpdatedSep 20, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
1138 N King St, Honolulu, HI, 96817
Used Auto
7.00%
7 Years
▼
APR7.00%
Term7 Years
Last UpdatedSep 14, 2026
Details
As Low As; *
Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
40 Hickam Ct, Honolulu, HI, 96818 4834
Used Auto
7.00%
Up to 7 years
▼
APR7.00%
TermUp to 7 years
Last UpdatedSep 16, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Used Auto Loans
7.00%
6-Year
▼
APR7.00%
Term6-Year
Last UpdatedSep 20, 2026
Details
As low as; Ask about our Auto Loan rate match
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Used Auto
7.25%
7 years
▼
APR7.25%
Term7 years
Last UpdatedSep 16, 2026
Details
Term: 7 years ($20,000 min); Starting at; Used Auto - Based on JD Power Value
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
107 E Wakea Ave, Kahului, HI, 96732
Used Auto
7.25%
90 months
▼
APR7.25%
Term90 months
Last UpdatedSep 16, 2026
Details
As Low As
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
816 Ilima Ave, Lanai City, HI, 96763
Used Auto Loan - Standard
7.25%
5 Years
▼
APR7.25%
Term5 Years
Last UpdatedSep 16, 2026
Details
Collateral Value: 100% LTV
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI, 96786 0669
Used Auto Loan
7.25%
60 months
▼
APR7.25%
Term60 months
Last UpdatedSep 20, 2026
Details
As Low As
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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
5.319%
▼ 0.036 vs 7 days ago
Hawaii new auto rates fell 0.036 points over the past 7 days to 5.319% APR.
Used Auto Loan HI Avg
6.085%
▼ 0.011 vs 7 days ago
Hawaii used auto rates fell 0.011 points over the past 7 days to 6.085% APR.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Hawaii Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Hawaii figures.
Current New Auto Avg
5.32%
APR, as of Sep 22, 2026
6-Month Forecast
5.40%
Fed hold assumed
12-Month Forecast
5.47%
Range: 5.12% to 5.67%
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Hawaii APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.32% APR HI average | Used Auto @ 6.09% APR HI average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.27/mo | $290.59/mo | $5.32/mo |
| $25,000 | $475.45/mo | $484.31/mo | $8.86/mo |
| $35,000 | $665.63/mo | $678.04/mo | $12.41/mo |
| $45,000 | $855.80/mo | $871.76/mo | $15.96/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Hawaii
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Hawaii locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Hawaii. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
3
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
4
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment: park it in a Hawaii high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Hawaii CD rates lock in a guaranteed return until you’re ready to buy
Hawaii Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$48,182
Median Individual Earnings
National avg: $47,340
4.6%
Unemployment Rate
National avg: 4.8%
10.0%
Poverty Rate
National avg: 11.1%
$571/mo
Payment on a $30K / 60-mo Loan
At HI new-auto avg 5.32% APR
A $571 monthly car payment works out to roughly 14.2% of the median individual income in Hawaii. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Hawaii, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Hawaii. We’ve prefilled the APR with today’s HI new-auto average, or click any current rate on the right to apply it instantly.
$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
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.
Should I get preapproved for an auto loan before visiting a dealer in Hawaii?
Yes. A preapproval from a bank or credit union serving Hawaii gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Hawaii can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
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:
- Lanai Federal Credit Union: 3.00% (New Auto Loans - Platinum)
- Kauai Teachers Federal Credit Union: 3.50% (New Auto)
- HAWAIIAN ELECTRIC EMPLOYEES: 3.70% (New Auto Loans)
- Hickam Federal Credit Union: 3.75% (New Autos)
- HawaiiUSA Federal Credit Union: 3.75% (New 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: September 21, 2026
Auto Loan Rates by City in Hawaii
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