Auto Loan Rates in Camp H M Smith, Hawaii (HI) for May 2026
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Brian McKay
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Current auto loan rates in Camp H M Smith, Hawaii include HAWAIIAN ELECTRIC EMPLOYEESHAWAIIAN ELECTRIC EMPLOYEESA+5.0 ★Texas Ratio: 2.62% offering Special Used Auto Loans at 3.70%, HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit UnionA+5.0 ★Texas Ratio: 2.50% offering New Auto Loans at 3.75%, Hawaii County Employees Federal Credit UnionHawaii County Employees Federal Credit UnionA+5.0 ★Texas Ratio: 1.21% offering USED AUTO at 4.00%, Hamakua Federal Credit UnionHamakua Federal Credit UnionA5.0 ★Texas Ratio: 9.07% offering New Autos at 4.24%, HOCU Honolulu Federal Credit UnionHOCU Honolulu Federal Credit UnionA5.0 ★Texas Ratio: 7.94% offering Auto Loans at 4.25%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Camp H M Smith borrowers have access to 19 lenders serving the Hawaii area, with auto loan rates as low as 3.70% APR from HAWAIIAN ELECTRIC EMPLOYEES. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Camp H M Smith, Hawaii. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Camp H M Smith, Hawaii & Surrounding Area
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Up to 120% of invoice or MSRP (whichever is less).
As Low As; 100% financing available; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
New car must be an electric or hybrid vehicle powered by alternative fuels.
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As; 100% financing available; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
New car must be an electric or hybrid vehicle powered by alternative fuels.
As Low As
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.
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
Up to 120% of invoice or MSRP (whichever is less).
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As
As Low As
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
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Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
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Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
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As Low As; Ask about our Auto Loan rate match program!
As Low As; 100% financing available; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
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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.
As Low As; Ask about our Auto Loan rate match program!
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
New car must be an electric or hybrid vehicle powered by alternative fuels.
As Low As; Ask about our Auto Loan rate match program!
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
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As Low As
As Low As
Up to 120% of invoice or MSRP (whichever is less).
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As; Ask about our Auto Loan rate match
As Low As; 100% financing available; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
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As Low As; Regular APR: 15.99%
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As
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.
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match
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As Low As
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As Low As
As Low As
As Low As
As Low As; 100% financing available; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As
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As Low As
As Low As; 100% financing available; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As; 100% financing available; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
As Low As
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As
As Low As
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As; 100% financing available; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
As Low As
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As; 100% financing available; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; 100% financing available; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As; Ask about our Auto Loan rate match program!
As Low As
As Low As
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
As Low As
As Low As
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As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As
As Low As
As Low As
Camp H M Smith, HI Auto Loan Rate Trends
Compare local Camp H M Smith, HI 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.
Hawaii new auto loan rates currently average 5.587% APR.
Hawaii used auto rates fell 0.036 points over the past 7 days to 6.230% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Camp H M Smith, 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 Camp H M Smith, 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 Camp H M Smith, 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 Camp H M Smith, Hawaii
How does my credit score affect my car loan rate in Hawaii?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Camp H M Smith, Hawaii?
- HAWAIIAN ELECTRIC EMPLOYEES: 3.70% (Special Used Auto Loans)
- HawaiiUSA Federal Credit Union: 3.75% (New Auto Loans)
- Hawaii County Employees Federal Credit Union: 4.00% (USED AUTO)
- Hamakua Federal Credit Union: 4.24% (New Autos)
- HOCU Honolulu Federal Credit Union: 4.25% (Auto Loans)
