Auto Loan Rates in Kahului, Hawaii (HI) for July 2026
Brian McKay
Brian McKay
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Current auto loan rates in Kahului, Hawaii include HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit UnionQueen Kaahumanu Office Building, Kahului, HI, 96732A+5.0 ★Texas Ratio: 2.31% offering New Auto Loans at 3.75%, Maui County Federal Credit UnionMaui County Federal Credit Union270 Dairy Rd Ste 146, Kahului, HI, 96732 2986A5.0 ★Texas Ratio: 6.48% offering New Auto up to 4 years old at 4.50%, Hawaiian Financial Federal Credit UnionHawaiian Financial Federal Credit Union101 Pakaula St, Kahului, HI, 96732 3508A+5.0 ★Texas Ratio: 2.48% offering New Auto at 4.75%, Valley Isle Community Federal Credit UnionValley Isle Community Federal Credit Union160 Paahana St, Kahului, HI, 96732A+5.0 ★Texas Ratio: 1.41% offering New Auto Loans at 4.75%, Maui Federal Credit UnionMaui Federal Credit Union107 E Wakea Ave, Kahului, HI, 96732A+5.0 ★Texas Ratio: 2.13% offering New Auto at 5.50%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Kahului has 6 local institutions in our database, with auto loan rates as low as 3.75% APR from HawaiiUSA Federal Credit Union at Queen Kaahumanu Office Building, Kahului, HI, 96732. 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 Kahului, Hawaii. Auto Loan Rates Last Updated and Verified: July 16, 2026
Compare Auto Loan Rates Today in Kahului, Hawaii & Surrounding Area
Kahului Auto Loan Rates
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Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 35 monthly payments of $29.86, 1 estimated final payment of $29.82
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Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 59 monthly payments of $18.88, 1 estimated final payment of $18.34
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Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 71 monthly payments of $16.58, 1 estimated final payment of $16.10
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Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 83 monthly payments of $15.10, 1 estimated final payment of $14.47
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Up to 120% of invoice or MSRP (whichever is less).
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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.
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.
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.
Starting at 4.75%
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.
100% of invoice
Starting at 5.00%
Starting at 5.00%
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.
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Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Starting at 5.25%
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Starting at 5.50%
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As Low As; Ask about our Auto Loan rate match program!
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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; Ask about our Auto Loan rate match program!
As Low As
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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.
Vehicles up to blue book
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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.
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Up to 120% of invoice or MSRP (whichever is less).
Starting at 6.25%
Starting at 6.25%
As Low As; *
As Low As; Ask about our Auto Loan rate match program!
As Low As; Ask about our Auto Loan rate match
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APR*
As Low As
As Low As; Ask about our Auto Loan rate match
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; Ask about our Auto Loan rate match
As Low As
As Low As; Ask about our Auto Loan rate match
Starting at 7.25%
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As Low As
As Low As; Ask about our Auto Loan rate match program!
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As Low As; Ask about our Auto Loan rate match
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Kahului New Auto Auto Loan Rates
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Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 35 monthly payments of $29.86, 1 estimated final payment of $29.82
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Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 59 monthly payments of $18.88, 1 estimated final payment of $18.34
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APR as low as1
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APR as low as1
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APR as low as1
APR as low as1
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 71 monthly payments of $16.58, 1 estimated final payment of $16.10
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APR as low as1
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
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As Low As
APR*
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.
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.
Starting at 4.75%
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.
100% of invoice
Starting at 5.00%
Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
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APR*
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; 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
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.
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Starting at 6.25%
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As Low As; Ask about our Auto Loan rate match program!
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APR*
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As Low As; Ask about our Auto Loan rate match program!
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Kahului Used Auto Auto Loan Rates
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APR*
APR*
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
Starting at 5.00%
Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
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APR*
Starting at 5.25%
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Starting at 5.50%
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Vehicles up to blue book
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
Starting at 6.25%
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; Ask about our Auto Loan rate match
Starting at 7.25%
As Low As; Ask about our Auto Loan rate match
Kahului, HI Auto Loan Rate Trends
Compare local Kahului, 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 Kahului, 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 Kahului, 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 Kahului, 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 Kahului, 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 Kahului, Hawaii?
- HawaiiUSA Federal Credit Union: 3.75% (New Auto Loans)
- Maui County Federal Credit Union: 4.50% (New Auto up to 4 years old)
- Hawaiian Financial Federal Credit Union: 4.75% (New Auto)
- Valley Isle Community Federal Credit Union: 4.75% (New Auto Loans)
- Maui Federal Credit Union: 5.50% (New Auto)
