Auto Loan Rates in Honolulu, Hawaii (HI) for April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current auto loan rates in Honolulu, Hawaii include HAWAIIAN ELECTRIC EMPLOYEESHAWAIIAN ELECTRIC EMPLOYEES770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813A+5.0 ★Texas Ratio: 2.62% offering Special Used Auto Loans at 3.70%, HOCU Honolulu Federal Credit UnionHOCU Honolulu Federal Credit Union300 Ala Moana Blvd, Honolulu, HI, 96850A5.0 ★Texas Ratio: 7.94% offering Green New Car at 4.25%, Hawaii Central Federal Credit UnionHawaii Central Federal Credit Union681 S King St, Honolulu, HI, 96813 3016A5.0 ★Texas Ratio: 12.20% offering New & Used Auto at 4.50%, Hawaiian Financial Federal Credit UnionHawaiian Financial Federal Credit Union1138 N King St, Honolulu, HI, 96817A+5.0 ★Texas Ratio: 2.51% offering New Auto Loan at 4.75%, Hotel And Travel Industry Federal Credit UnionHotel And Travel Industry Federal Credit Union1914 S KING ST STE 100, Honolulu, HI, 96826 2162A5.0 ★Texas Ratio: 7.46% offering New Auto Loans at 5.50%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Honolulu has 8 local institutions in our database, with auto loan rates as low as 3.70% APR from HAWAIIAN ELECTRIC EMPLOYEES at 770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Honolulu, Hawaii. Auto Loan Rates Last Updated and Verified: April 19, 2026
Compare Auto Loan Rates Today in Honolulu, Hawaii & Surrounding Area
Up to 120% of invoice or MSRP (whichever is less).
New car must be an electric or hybrid vehicle powered by alternative fuels.
Up to 120% of invoice or MSRP (whichever is less).
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
New car must be an electric or hybrid vehicle powered by alternative fuels.
Up to 120% of invoice or MSRP (whichever is less).
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
Up to 120% of invoice or MSRP (whichever is less).
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As; Ask about our Auto Loan rate match program!
As Low As
As Low As; APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account. Without this, the APR will be 0.25% higher, potentially increasing monthly payments. Final APR depends on creditworthiness and may vary. Rates subject to change. Must be a Hawaii resident.
As Low As
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As
As Low As
As Low As
As Low As; terms up to 72 mos.
As Low As
As Low As
New car must be an electric or hybrid vehicle powered by alternative fuels.
As Low As; Ask about our Auto Loan rate match program!
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
As Low As
Up to 120% of invoice or MSRP (whichever is less).
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As; Ask about our Auto Loan rate match program!
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As; terms up to 84 mos.
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
72-Month Financing available on amounts of $18,000 or greater. 84-Month Financing available on amounts of $25,000 or greater. Up to 100% Financing on New Vehicles, and Used Vehicles 10 years or newer. Maximum loan amounts may be applicable.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
72-Month Financing available on amounts of $18,000 or greater. 84-Month Financing available on amounts of $25,000 or greater. Up to 100% Financing on New Vehicles, and Used Vehicles 10 years or newer. Maximum loan amounts may be applicable.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As; Regular APR: 15.99%
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
72-Month Financing available on amounts of $18,000 or greater. 84-Month Financing available on amounts of $25,000 or greater. Up to 100% Financing on New Vehicles, and Used Vehicles 10 years or newer. Maximum loan amounts may be applicable.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
Up to 120% of invoice or MSRP (whichever is less).
Up to 120% of invoice or MSRP (whichever is less).
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
Up to 120% of invoice or MSRP (whichever is less).
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
Up to 120% of invoice or MSRP (whichever is less).
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As; Ask about our Auto Loan rate match program!
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As
As Low As; terms up to 72 mos.
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
Up to 120% of invoice or MSRP (whichever is less).
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As; Ask about our Auto Loan rate match program!
As Low As; terms up to 84 mos.
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
As Low As
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
Honolulu, HI Auto Loan Rate Trends
Compare local Honolulu, HI auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Hawaii new auto rates fell 0.010 points over the past 7 days to 5.792% APR.
Hawaii used auto rates fell 0.001 points over the past 7 days to 6.331% APR.
Frequently Asked Questions about Auto Loans in Honolulu, Hawaii
How does my credit score affect my car loan rate in Hawaii?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Honolulu, Hawaii?
- HAWAIIAN ELECTRIC EMPLOYEES: 3.70% (Special Used Auto Loans)
- HOCU Honolulu Federal Credit Union: 4.25% (Green New Car)
- Hawaii Central Federal Credit Union: 4.50% (New & Used Auto)
- Hawaiian Financial Federal Credit Union: 4.75% (New Auto Loan)
- Hotel And Travel Industry Federal Credit Union: 5.50% (New Auto Loans)
