Auto Loan Rates in Honolulu, Hawaii (HI) for July 2026
Brian McKay
Brian McKay
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Current auto loan rates in Honolulu, Hawaii include HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit Union1226 College Walk, Honolulu, HI, 96817A+5.0 ★Texas Ratio: 2.31% offering New Auto Loans at 3.75%, HOCU Honolulu Federal Credit UnionHOCU Honolulu Federal Credit Union300 Ala Moana Blvd, Honolulu, HI, 96850A5.0 ★Texas Ratio: 7.51% offering Auto Loans at 4.25%, Hawaii Central Federal Credit UnionHawaii Central Federal Credit Union681 S King St, Honolulu, HI, 96813 3016A5.0 ★Texas Ratio: 11.94% offering New & Used Auto Loans at 4.50%, Hawaiian Financial Federal Credit UnionHawaiian Financial Federal Credit Union1138 N King St, Honolulu, HI, 96817A+5.0 ★Texas Ratio: 2.48% offering New Auto at 4.75%, Pearl Hawaii Federal Credit UnionPearl Hawaii Federal Credit Union1288 Ala Moana Blvd Ste 106, Honolulu, HI, 96814A+5.0 ★Texas Ratio: 2.22% offering Vehicle Loan at 5.00%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Honolulu has 8 local institutions in our database, with auto loan rates as low as 3.75% APR from HawaiiUSA Federal Credit Union at 1226 College Walk, Honolulu, HI, 96817. 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: July 16, 2026
Compare Auto Loan Rates Today in Honolulu, Hawaii & Surrounding Area
Honolulu Auto Loan Rates
As Low As
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).
New car must be an electric or hybrid vehicle powered by alternative fuels.
Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As; **
As Low As
As Low As
Up to 120% of invoice or MSRP (whichever is less).
New car must be an electric or hybrid vehicle powered by alternative fuels.
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
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).
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 restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As; *
As Low As
As Low As
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As; *
As Low As; *
As Low As
As Low As; Ask about our Auto Loan rate match program!
APR as low as1
As Low As; *
As Low As; *
APR as low as1
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match program!
APR as low as1
APR as low as1
As Low As; *
New car must be an electric or hybrid vehicle powered by alternative fuels.
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As
As Low As; Ask about our Auto Loan rate match program!
Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As; *
As Low As; *
Up to 120% of invoice or MSRP (whichever is less).
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; 1
As Low As; 1
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As; 1
As Low As; 1
APR as low as1
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As; *
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As; *
As Low As; 1
As Low As
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
As Low As
As Low As
As Low As
As Low As
APR*
APR*
**
As Low As
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APR*
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.
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 35 monthly payments of $29.86, 1 estimated final payment of $29.82
Starting at 4.75%
As Low As
100% of invoice
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 59 monthly payments of $18.88, 1 estimated final payment of $18.34
Starting at 5.00%
Starting at 5.00%
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As Low As
APR*
APR*
As Low As
Starting at 5.25%
**
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As Low As
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Starting at 5.50%
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
Vehicles up to blue book
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 71 monthly payments of $16.58, 1 estimated final payment of $16.10
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
Starting at 6.25%
Starting at 6.25%
As Low As
APR*
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.
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 83 monthly payments of $15.10, 1 estimated final payment of $14.47
As Low As
As Low As
Starting at 7.25%
As Low As
Honolulu New Auto Auto Loan Rates
As Low As
As Low As
New car must be an electric or hybrid vehicle powered by alternative fuels.
Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As; **
As Low As
New car must be an electric or hybrid vehicle powered by alternative fuels.
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
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 Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As; *
As Low As
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As; *
As Low As; Ask about our Auto Loan rate match program!
APR as low as1
As Low As; *
APR as low as1
As Low As
As Low As; Ask about our Auto Loan rate match program!
APR as low as1
APR as low as1
New car must be an electric or hybrid vehicle powered by alternative fuels.
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!
Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As; *
As Low As; Ask about our Auto Loan rate match program!
APR as low as1
As Low As; *
As Low As; Ask about our Auto Loan rate match program!
**
As Low As
APR*
As Low As
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 35 monthly payments of $29.86, 1 estimated final payment of $29.82
Starting at 4.75%
As Low As
100% of invoice
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 59 monthly payments of $18.88, 1 estimated final payment of $18.34
Starting at 5.00%
As Low As
APR*
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 71 monthly payments of $16.58, 1 estimated final payment of $16.10
As Low As
As Low As
As Low As
As Low As
Starting at 6.25%
As Low As
APR*
As Low As
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 83 monthly payments of $15.10, 1 estimated final payment of $14.47
As Low As
As Low As
Honolulu Used Auto Auto Loan Rates
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 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.
Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As; *
As Low As; *
As Low As
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; *
As Low As; *
As Low As; Ask about our Auto Loan rate match
As Low As; 1
As Low As; 1
As Low As; Ask about our Auto Loan rate match
As Low As; 1
As Low As; 1
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; 1
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As
As Low As
APR*
APR*
As Low As
Starting at 5.00%
As Low As
APR*
As Low As
Starting at 5.25%
**
As Low As
Starting at 5.50%
As Low As
As Low As
As Low As
Vehicles up to blue book
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As Low As
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Starting at 6.25%
As Low As
As Low As
Starting at 7.25%
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 0.151 points over the past 7 days to 5.442% APR.
Hawaii used auto rates rose 0.065 points over the past 7 days to 6.178% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Honolulu, 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 Honolulu, 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 Honolulu, 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 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?
- HawaiiUSA Federal Credit Union: 3.75% (New Auto Loans)
- HOCU Honolulu Federal Credit Union: 4.25% (Auto Loans)
- Hawaii Central Federal Credit Union: 4.50% (New & Used Auto Loans)
- Hawaiian Financial Federal Credit Union: 4.75% (New Auto)
- Pearl Hawaii Federal Credit Union: 5.00% (Vehicle Loan)
