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  6. Auto Loan Rate Trends

Hakalau, Hawaii Best Auto Loan Rates - September 2026

Current auto loan rates in Hakalau, Hawaii include Lanai Federal Credit UnionLanai Federal Credit UnionA+5.0 ★Texas Ratio: 0.85% offering New Auto Loans - Platinum at 3.00%, Kauai Teachers Federal Credit UnionKauai Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 2.14% offering New Auto at 3.50%, HAWAIIAN ELECTRIC EMPLOYEESHAWAIIAN ELECTRIC EMPLOYEESA+5.0 ★Texas Ratio: 2.83% offering New Auto Loans at 3.70%, Hickam Federal Credit UnionHickam Federal Credit UnionA+5.0 ★Texas Ratio: 1.73% offering New Autos at 3.75%, HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit UnionA+5.0 ★Texas Ratio: 1.56% offering New Auto Loans at 3.75%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.

Hakalau borrowers have access to 26 lenders serving the Hawaii area, with auto loan rates as low as 3.00% APR from Lanai Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Hakalau, Hawaii. Auto Loan Rates Last Updated and Verified: September 22, 2026

Compare Auto Loan Rates Today in Hakalau, Hawaii & Surrounding Area

Hakalau 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%
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%
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%
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%
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%
New Auto Loans
3.70%
Special: 2 & 3 Years
APR3.70%
Interest Rate3.70%
TermSpecial: 2 & 3 Years
Last UpdatedSep 22, 2026
Details

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
Used Auto Loans
3.70%
Special: 2 & 3 Years
APR3.70%
Interest Rate3.70%
TermSpecial: 2 & 3 Years
Last UpdatedSep 22, 2026
Details

Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
New Autos
3.75%
Up to 3 years
APR3.75%
TermUp to 3 years
Last UpdatedSep 16, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto Loans
3.75%
Up to 36 Months
APR3.75%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details

As Low As

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
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%
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%
New Auto Loans
3.75%
Special: 4 Years
APR3.75%
Interest Rate3.75%
TermSpecial: 4 Years
Last UpdatedSep 22, 2026
Details

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
Used Auto Loans
3.75%
Special: 4 Years
APR3.75%
Interest Rate3.75%
TermSpecial: 4 Years
Last UpdatedSep 22, 2026
Details

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
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%
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%
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%
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%
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%
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%
New Auto Loans
4.00%
Special: 5 Years
APR4.00%
Interest Rate4.00%
TermSpecial: 5 Years
Last UpdatedSep 22, 2026
Details

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
Used Auto Loans
4.00%
Special: 5 Years
APR4.00%
Interest Rate4.00%
TermSpecial: 5 Years
Last UpdatedSep 22, 2026
Details

Hamakua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
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%
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%
Used Auto Loans
4.25%
Up to 36 Months
APR4.25%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details

As Low As

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
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%
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%
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

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
New Auto Loans - Preferred
4.50%
4 Years
APR4.50%
Term4 Years
Last UpdatedSep 16, 2026
Details

Collateral Value: 100% LTV

Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Auto
4.50%
3 yr
APR4.50%
Term3 yr
Last UpdatedSep 21, 2026
Details

As Low As

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
New Auto Loans
4.50%
6 Year1
APR4.50%
Interest Rate4.50%
Term6 Year1
Last UpdatedSep 22, 2026
Details

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
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%
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%
New Autos
4.75%
Up to 5 years
APR4.75%
TermUp to 5 years
Last UpdatedSep 16, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
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%
Used Auto Loans
4.75%
Up to 48 Months
APR4.75%
TermUp to 48 Months
Last UpdatedSep 16, 2026
Details

As Low As

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
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%
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%
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%
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%
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%
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%
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%
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.

University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
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%
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%
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%
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%
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%
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%
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%
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%
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.

Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
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%
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%
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%
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%
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%
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%
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%
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%
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

Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
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%
Used Auto
5.00%
3 years
APR5.00%
Term3 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%
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%
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

University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
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%
New Auto
5.00%
5 yr
APR5.00%
Term5 yr
Last UpdatedSep 21, 2026
Details

As Low As

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
New Auto Loans
5.00%
7 Year1
APR5.00%
Interest Rate5.00%
Term7 Year1
Last UpdatedSep 22, 2026
Details

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
Used Auto Loans
5.00%
Special: 6 Years
APR5.00%
Interest Rate5.00%
TermSpecial: 6 Years
Last UpdatedSep 22, 2026
Details

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
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%
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%
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%
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%
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%
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%
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%
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*

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
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%
Used Auto Loans
5.25%
Up to 60 Months
APR5.25%
TermUp to 60 Months
Last UpdatedSep 16, 2026
Details

As Low As

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
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%
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%
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%
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%
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%
Used Auto Loan - Preferred
5.25%
5 Years
APR5.25%
Term5 Years
Last UpdatedSep 16, 2026
Details

Collateral Value: 100% LTV

Kauai Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.12%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Vehicle Loan (New)
5.50%
3-Year Term
APR5.50%
Term3-Year Term
Last UpdatedSep 16, 2026
Details

As Low As

Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
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%
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

Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Used Auto
5.75%
Up to 5 years
APR5.75%
TermUp to 5 years
Last UpdatedSep 16, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
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%
Used Auto Loans
5.75%
Up to 72 Months
APR5.75%
TermUp to 72 Months
Last UpdatedSep 16, 2026
Details

As Low As

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
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%
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.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
New Auto
6.50%
7 Years
APR6.50%
Term7 Years
Last UpdatedSep 14, 2026
Details

As Low As; *

Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
Used Auto Loan
6.50%
4 years
APR6.50%
Term4 years
Last UpdatedSep 16, 2026
Details

APR as low as1

Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Used Auto Loan
7.25%
60 months
APR7.25%
Term60 months
Last UpdatedSep 20, 2026
Details

As Low As

Hakalau 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%
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%
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%
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%
New Auto Loans
3.70%
Special: 2 & 3 Years
APR3.70%
Interest Rate3.70%
TermSpecial: 2 & 3 Years
Last UpdatedSep 22, 2026
Details

Hickam Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
New Autos
3.75%
Up to 3 years
APR3.75%
TermUp to 3 years
Last UpdatedSep 16, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto Loans
3.75%
Up to 36 Months
APR3.75%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details

As Low As

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto Loans - Platinum
3.75%
5 Years
APR3.75%
Term5 Years
Last UpdatedSep 16, 2026
Details

Collateral Value: 100% LTV

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
New Auto Loans
3.75%
Special: 4 Years
APR3.75%
Interest Rate3.75%
TermSpecial: 4 Years
Last UpdatedSep 22, 2026
Details

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
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%
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%
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%
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%
New Auto Loans
4.00%
Special: 5 Years
APR4.00%
Interest Rate4.00%
TermSpecial: 5 Years
Last UpdatedSep 22, 2026
Details

Hamakua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
New Auto Loans - Preferred
4.50%
4 Years
APR4.50%
Term4 Years
Last UpdatedSep 16, 2026
Details

Collateral Value: 100% LTV

Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Auto
4.50%
3 yr
APR4.50%
Term3 yr
Last UpdatedSep 21, 2026
Details

As Low As

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
New Auto Loans
4.50%
6 Year1
APR4.50%
Interest Rate4.50%
Term6 Year1
Last UpdatedSep 22, 2026
Details

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
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%
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%
New Autos
4.75%
Up to 5 years
APR4.75%
TermUp to 5 years
Last UpdatedSep 16, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto Loans
4.75%
Up to 60 Months
APR4.75%
TermUp to 60 Months
Last UpdatedSep 16, 2026
Details

As Low As

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
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%
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%
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%
New Auto Loans - Preferred
4.75%
5 Years
APR4.75%
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%
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%
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%
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%
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%
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%
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%
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

University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
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%
New Auto
5.00%
5 yr
APR5.00%
Term5 yr
Last UpdatedSep 21, 2026
Details

As Low As

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
New Auto Loans
5.00%
7 Year1
APR5.00%
Interest Rate5.00%
Term7 Year1
Last UpdatedSep 22, 2026
Details

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
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%
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%
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%
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%
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.

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto Loans
5.25%
Up to 72 Months
APR5.25%
TermUp to 72 Months
Last UpdatedSep 16, 2026
Details

As Low As

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
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%
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%
New Auto
5.25%
6 Years
APR5.25%
Term6 Years
Last UpdatedSep 16, 2026
Details

Kauai Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.12%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
New Auto Loan
7.25%
84 months
APR7.25%
Term84 months
Last UpdatedSep 20, 2026
Details

As Low As

Hakalau 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%
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%
Used Auto Loans
3.70%
Special: 2 & 3 Years
APR3.70%
Interest Rate3.70%
TermSpecial: 2 & 3 Years
Last UpdatedSep 22, 2026
Details

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
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%
Used Auto Loans
3.75%
Special: 4 Years
APR3.75%
Interest Rate3.75%
TermSpecial: 4 Years
Last UpdatedSep 22, 2026
Details

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
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%
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%
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%
Used Auto Loans
4.00%
Special: 5 Years
APR4.00%
Interest Rate4.00%
TermSpecial: 5 Years
Last UpdatedSep 22, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto Loans
4.25%
Up to 36 Months
APR4.25%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details

As Low As

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
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%
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

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
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%
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*

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto Loans
4.75%
Up to 48 Months
APR4.75%
TermUp to 48 Months
Last UpdatedSep 16, 2026
Details

As Low As

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
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%
Used Auto Loan - Preferred
4.75%
4 Years
APR4.75%
Term4 Years
Last UpdatedSep 16, 2026
Details

Collateral Value: 100% LTV

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
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%
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%
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%
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%
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%
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%
Used Auto Loans
5.00%
Special: 6 Years
APR5.00%
Interest Rate5.00%
TermSpecial: 6 Years
Last UpdatedSep 22, 2026
Details

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
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%
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%
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*

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto Loans
5.25%
Up to 60 Months
APR5.25%
TermUp to 60 Months
Last UpdatedSep 16, 2026
Details

As Low As

Maui County Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
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%
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%
Used Auto Loan - Preferred
5.25%
5 Years
APR5.25%
Term5 Years
Last UpdatedSep 16, 2026
Details

Collateral Value: 100% LTV

Kauai Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.12%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Used Auto
5.75%
Up to 5 years
APR5.75%
TermUp to 5 years
Last UpdatedSep 16, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto Loans
5.75%
Up to 72 Months
APR5.75%
TermUp to 72 Months
Last UpdatedSep 16, 2026
Details

As Low As

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
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

University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Used Auto Loan
7.25%
60 months
APR7.25%
Term60 months
Last UpdatedSep 20, 2026
Details

As Low As

Hakalau, HI Auto Loan Rate Trends

Compare local Hakalau, 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.

View Full Hawaii Auto Trends
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

Hakalau, HI 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 Hakalau, Hawaii

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Hakalau, 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?

Hawaii Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)

$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 Hakalau, 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 Hakalau, 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 Hakalau, 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 Hakalau, 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 Hakalau, 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 Hakalau, 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 Hakalau, 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 Hakalau, 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 Hakalau, Hawaii?

Yes. A preapproval from a bank or credit union serving Hakalau, 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 Hakalau, 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 Hakalau, Hawaii?

Based on our current data, some of the lowest auto loan rates available in Hakalau, 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 Hakalau, Hawaii. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 22, 2026

Hakalau, Hawaii Rates & Resources