Hawaii Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Hawaii auto loan rates range from 3.00% to 6.49% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Hawaii include Lanai Federal Credit UnionLanai Federal Credit Union816 Ilima Ave, Lanai City, HI, 96763A+5.0 ★Texas Ratio: 1.09% offering New Auto Loans at 3.00%, Kauai Teachers Federal Credit UnionKauai Teachers Federal Credit Union2969 Umi St, Lihue, HI, 96766 1345A+5.0 ★Texas Ratio: 3.68% offering New Auto at 3.50%, HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit Union1226 College Walk, Honolulu, HI, 96817A+5.0 ★Texas Ratio: 2.02% offering New Auto Loans at 3.75%, Navy Federal Credit UnionNavy Federal Credit Union25 Kaneohe Bay Dr, Kailua, HI, 96734 1711A5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, Hawaiian Financial Federal Credit UnionHawaiian Financial Federal Credit Union1138 N King St, Honolulu, HI, 96817A+5.0 ★Texas Ratio: 2.38% offering New Auto at 4.00%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Hawaii side-by-side. Hawaii auto loan rates currently start as low as 3.00% APR from Lanai Federal Credit Union at 816 Ilima Ave, Lanai City, HI, 96763. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Hawaii. Auto Loan Rates Last Updated and Verified: October 13, 2026
Compare Auto Loan Rates Today in Hawaii
Hawaii Auto Loan Rates
Grade: Platinum; Collateral Value: 100% LTV
Credit Grade: Platinum (credit score 730+); Collateral Value: 100% LTV
As Low As; Loan Amount: 100% Financing
Grade: Platinum; Collateral Value: 100% LTV
As low as
Grade: Platinum; Collateral Value: 100% LTV
Credit Grade: Platinum (credit score 730+); Collateral Value: 100% LTV
As Low As
As Low As; Rates subject to change.
As Low As; Previously 4.75%; Lowest rate available for a 36-month term; includes 0.25% discount for electric and hybrid vehicles
APR is best rate available based on a 36-month term with a down payment of 20% or more; Eco Auto Loans for electric or hybrid vehicles receive a 0.50% discount
- Oct 4, 20264.00%▲ from 3.75%
- Sep 16, 20263.75%first recorded
Term: Up to 4 Years (48 months); APR*
As Low As; Loan Amount: Up to 100% Financing of Kelly Blue Book Retail Value
Grade: Platinum; Collateral Value: 100% LTV
Grade: Preferred; Collateral Value: 100% LTV
As low as
As low as
As low as
Max Loan: No Maximum; Up to 120% of invoice or MSRP (whichever is less). Rate Update: January 1, 2026
- Oct 12, 20264.25%▼ from 4.75%
- Sep 16, 20264.75%first recorded
Financing up to 100% of the invoice price; Credit Life and Disability Insurance are available to protect you and your family in the event of death or disability; Extended Warranty options; GAP Insurance coverage available to protect you against loss; End of Watch Loan Protection coverage; Easy repayment methods (payroll deduction, automated phone banking, and coupon payment book)
Credit Grade: Platinum (credit score 730+); Collateral Value: 100% LTV
Credit Grade: Preferred (credit score 729-680); Collateral Value: 100% LTV
As Low As; Includes 25 basis point reduction for automatic payment
- Oct 4, 20264.25%▼ from 5.25%
- Sep 12, 20265.25%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
Published APR range: 4.49% - 17.49%. Auto loan for new autos and used autos 2 years old; Annual Percentage Rate (APR*); rates subject to borrower credit history, loan term and vehicle year
As Low As; Previously 5.00%; Additional 0.25% discount for hybrid/electric vehicles
APR is best rate available based on a 36-month term with a down payment of 20% or more; Eco Auto Loans for electric or hybrid vehicles receive a 0.50% discount
Term: Up to 5 Years (60 months); Rate is APR
Term: Up to 5 Years (60 months); APR*
As Low As; Max Loan: No Maximum; Rate Update: January 1, 2026; New car must be an electric or hybrid vehicle powered by alternative fuels
Max Loan: No Maximum; Up to 120% of invoice or MSRP (whichever is less). Rate Update: January 1, 2026
- Oct 12, 20264.50%▼ from 5.00%
- Sep 16, 20265.00%first recorded
As Low As; Interest Rate (APR*)
Financing up to 100% of Kelley Blue Book retail value; Credit Life and Disability Insurance are available to protect you and your family in the event of death or disability; Extended Warranty options; GAP Insurance coverage available to protect you against loss; Used autos must not be more than 6 years old; Easy repayment methods (payroll deduction, automated phone banking, and coupon payment book)
Promotion (Subject to change)
Term: 6.5 Years (78 months); Grade: Platinum; Collateral Value: 100% LTV
Grade: Preferred; Collateral Value: 100% LTV
As Low As
As Low As; Rates subject to change.
Special
Special
As Low As; Previously 5.25%; Additional 0.25% discount for hybrid/electric vehicles
APR is best rate available based on a 36-month term with a down payment of 20% or more; Eco Auto Loans for electric or hybrid vehicles receive a 0.50% discount
As low as
As low as
As Low As; Max Loan: No Maximum; Rate Update: January 1, 2026; New car must be an electric or hybrid vehicle powered by alternative fuels
Max Loan: No Maximum; Up to 120% of invoice or MSRP (whichever is less). Rate Update: January 1, 2026
- Oct 12, 20264.75%▼ from 5.25%
- Sep 16, 20265.25%first recorded
Rate Update: July 1, 2026; Max Loan: No Maximum; Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As; Approval based on 125% JD Power Clean Retail Value
Grade: Preferred; Collateral Value: 100% LTV
Credit Grade: Platinum (credit score 730+); Collateral Value: 100% LTV
Credit Grade: Preferred (credit score 729-680); Collateral Value: 100% LTV
Published APR range: 4.75% - 13.75%. 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.)
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
As Low As
As Low As; Rates subject to change.
As low as; *
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
Published APR range: 4.99% - 17.49%. Auto loan for new autos and used autos 2 years old; Annual Percentage Rate (APR*); rates subject to borrower credit history, loan term and vehicle year
Published APR range: 4.99% - 17.49%. APR is Annual Percentage Rate. Rates are subject to change without notice. Actual rate will be based on borrower's credit history, loan term and year of vehicle. Certain terms and restrictions may apply.
- Oct 6, 20265.00%▲ from 4.50%
- Sep 18, 20264.50%first recorded
Special
As Low As; 4.50% with additional 0.25% discount for hybrid/electric vehicles
- Oct 12, 20265.00%▲ from 4.50%
- Sep 14, 20264.50%first recorded
As Low As; Previously 5.50%; Additional 0.25% discount for hybrid/electric vehicles
Loan amount: $15,000+; APR is best rate available based on a 36-month term with a down payment of 20% or more; Eco Auto Loans for electric or hybrid vehicles receive a 0.50% discount
- Oct 4, 20265.00%▲ from 4.75%
- Sep 16, 20264.75%first recorded
APR disclosed is the best rate available based on a 36-month term with a down payment of 20% or more
Max Loan: No Maximum; Up to 120% of invoice or MSRP (whichever is less). Rate Update: January 1, 2026
- Oct 12, 20265.00%▼ from 6.00%
- Sep 16, 20266.00%first recorded
Rate Update: July 1, 2026; Max Loan: No Maximum; Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As; Payment Example: 23 payments of $43.87, 1 of $43.69
As Low As; Payment Example: 35 payments of $29.97, 1 of $29.85
As Low As; Payment Example: 47 payments of $23.03, 1 of $22.93
As Low As; Payment Example: 59 payments of $18.87, 1 of $18.79
As Low As; Payment Example: 71 payments of $16.10, 1 of $16.04
- Oct 8, 20265.00%▼ from 5.50%
- Sep 16, 20265.50%first recorded
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 23 payments of $43.87, 1 of $43.69
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 35 payments of $29.97, 1 of $29.85
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 47 payments of $23.03, 1 of $22.93
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 59 payments of $18.87, 1 of $18.79
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 71 payments of $16.10, 1 of $16.04
- Sep 25, 20265.00%▼ from 5.50%
- Sep 16, 20265.50%first recorded
As Low As; Approval based on 125% JD Power Clean Retail Value
As Low As; 120% of JD Power Clean Retail Value
100% of invoice
Grade: Preferred; Collateral Value: 100% LTV
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
Purchase
As low as
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Previously 5.75%; Additional 0.25% discount for hybrid/electric vehicles
As Low As; Previously 5.75%; Additional 0.25% discount for hybrid/electric vehicles
Term: Up to 6 Years (72 months); Rate is APR
Term: Up to 6 Years (72 months); APR*
As low as
As low as
Rate Update: July 1, 2026; Max Loan: No Maximum; Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As; Interest Rate (APR*)
As Low As; 120% of JD Power Clean Retail Value
100% of invoice
100% of invoice
Credit Grade: Preferred (credit score 729-680); Collateral Value: 100% LTV
As Low As; Includes 25 basis point reduction for automatic payment
- Oct 4, 20265.25%▼ from 6.25%
- Sep 12, 20266.25%first recorded
As Low As; Based on Kelly Blue Book Value; Includes 25 basis point reduction for automatic payment
- Oct 4, 20265.25%▼ from 6.25%
- Sep 20, 20266.25%first recorded
Purchase
As Low As
As Low As; Rates subject to change.
As Low As
As Low As; Rates subject to change.
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
Published APR range: 5.49% - 17.49%. Auto loan for new autos and used autos 2 years old; Annual Percentage Rate (APR*); rates subject to borrower credit history, loan term and vehicle year
Published APR range: 5.49% - 17.49%. APR is Annual Percentage Rate. Rates are subject to change without notice. Actual rate will be based on borrower's credit history, loan term and year of vehicle. Certain terms and restrictions may apply.
Published APR range: 5.49% - 15.99%. Used Auto Equity loan; Rates subject to change without notice; actual rate based on credit history, loan term and year of vehicle
- Oct 6, 20265.50%▲ from 5.00%
- Sep 18, 20265.00%first recorded
As Low As; Previously 6.00%; Additional 0.25% discount for hybrid/electric vehicles
APR disclosed is the best rate available based on a 36-month term with a down payment of 20% or more
As Low As; Rate shown for best credit with term indicated; may be higher without automatic payment and direct deposit
As Low As; Payment Example: 71 payments of $16.34, 1 of $16.26
As Low As
As Low As; 120% of JD Power Clean Retail Value
As low as
As low as
100% of invoice
Grade: Platinum; Collateral Value: 100% LTV
Term: 6.5 Years (78 months); Grade: Preferred; Collateral Value: 100% LTV
As Low As; Ask about our Auto Loan rate match program!
Purchase Refinance
As Low As; Rate includes 0.25% automatic loan payment discount; Example payment per $1,000: $30.20
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Previously 6.25%; Additional 0.25% discount for hybrid/electric vehicles
Loan amount: $20,000+; APR is best rate available based on a 36-month term with a down payment of 20% or more; Eco Auto Loans for electric or hybrid vehicles receive a 0.50% discount
APR disclosed is the best rate available based on a 36-month term with a down payment of 20% or more
Loan amount: ($15,000+); APR disclosed is the best rate available based on a 36-month term with a down payment of 20% or more
As low as
As low as
As low as; *
Credit Grade: Preferred (credit score 729-680); Collateral Value: 100% LTV
Published APR range: 5.75% - 11.75%. 72-Month Financing available on amounts of $18,000 or greater. Up to 100% Financing on New Vehicles, and Used Vehicles 10 years or newer.
As Low As; Includes 25 basis point reduction for automatic payment
- Oct 4, 20265.75%▼ from 6.75%
- Sep 12, 20266.75%first recorded
As Low As; Based on Kelly Blue Book Value; Includes 25 basis point reduction for automatic payment
- Oct 4, 20265.75%▼ from 6.75%
- Sep 20, 20266.75%first recorded
As Low As; Ask about our Auto Loan rate match program!
Purchase Refinance
As Low As; Rate includes 0.25% automatic loan payment discount; Example payment per $1,000: $23.37
As low as
As low as
As Low As
As Low As; Rates subject to change.
APR* (as low as)
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
Published APR range: 5.99% - 17.49%. Vehicles 6 years and older; APR range based on credit history, loan term and year of vehicle
Published APR range: 5.99% - 17.49%. 84 months term available for Used Autos 3 to 4 years old. APR is Annual Percentage Rate. Rates are subject to change without notice. Actual rate will be based on borrower's credit history, loan term and year of vehicle. Certain terms and restrictions may apply.
Special
As Low As; Max Loan: No Maximum; Rate Update: January 1, 2026; New car must be an electric or hybrid vehicle powered by alternative fuels
Rate Update: July 1, 2026; Max Loan: No Maximum; Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As; Payment Example: 83 monthly of $14.61, 1 of $14.54
- Oct 8, 20266.00%▼ from 6.50%
- Sep 16, 20266.50%first recorded
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 83 monthly of $14.61, 1 of $14.54
- Sep 25, 20266.00%▼ from 6.50%
- Sep 16, 20266.50%first recorded
Vehicles up to blue book
Grade: Standard; Collateral Value: 100% LTV
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
As Low As; Ask about our Auto Loan rate match program!
Purchase
Purchase Refinance
As Low As; Rate includes 0.25% automatic loan payment discount; Example payment per $1,000: $19.33
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
APR* (as low as)
Max Loan: No Maximum; Up to 120% of invoice or MSRP (whichever is less). Rate Update: January 1, 2026
As Low As; Rate shown for best credit with term indicated; may be higher without automatic payment and direct deposit
As Low As; $25,000 min; Approval based on 125% JD Power Clean Retail Value
As Low As; 120% of JD Power Clean Retail Value
As low as
As low as
Credit Grade: Standard (credit score 679-620); Collateral Value: 100% LTV
As Low As; Includes 25 basis point reduction for automatic payment
- Oct 4, 20266.25%▼ from 7.25%
- Sep 12, 20267.25%first recorded
As Low As; Based on Kelly Blue Book Value; Includes 25 basis point reduction for automatic payment
- Oct 4, 20266.25%▼ from 7.25%
- Sep 20, 20267.25%first recorded
As Low As; Ask about our Auto Loan rate match program!
As Low As; Ask about our Auto Loan rate match
As low as
Published APR range: 6.49% - 9.99%. Auto loan for new autos and used autos 2 years old; Annual Percentage Rate (APR*); 96 months term available for New Autos with loan to value no greater than 115%; additional conditions and restrictions apply
Published APR range: 6.49% - 17.49%. Term available for vehicles 6 years old only; APR range based on credit history, loan term and year of vehicle
Published APR range: 6.49% - 15.99%. Vehicles over five years old; APR is subject to change without notice and is based on borrower's credit history, loan term and year of vehicle
Hawaii New Auto Auto Loan Rates
Grade: Platinum; Collateral Value: 100% LTV
As Low As; Loan Amount: 100% Financing
Grade: Platinum; Collateral Value: 100% LTV
As low as
Grade: Platinum; Collateral Value: 100% LTV
As Low As
As Low As; Rates subject to change.
As Low As; Previously 4.75%; Lowest rate available for a 36-month term; includes 0.25% discount for electric and hybrid vehicles
APR is best rate available based on a 36-month term with a down payment of 20% or more; Eco Auto Loans for electric or hybrid vehicles receive a 0.50% discount
- Oct 4, 20264.00%▲ from 3.75%
- Sep 16, 20263.75%first recorded
Grade: Platinum; Collateral Value: 100% LTV
Grade: Preferred; Collateral Value: 100% LTV
As low as
As low as
Max Loan: No Maximum; Up to 120% of invoice or MSRP (whichever is less). Rate Update: January 1, 2026
- Oct 12, 20264.25%▼ from 4.75%
- Sep 16, 20264.75%first recorded
Financing up to 100% of the invoice price; Credit Life and Disability Insurance are available to protect you and your family in the event of death or disability; Extended Warranty options; GAP Insurance coverage available to protect you against loss; End of Watch Loan Protection coverage; Easy repayment methods (payroll deduction, automated phone banking, and coupon payment book)
As Low As; Includes 25 basis point reduction for automatic payment
- Oct 4, 20264.25%▼ from 5.25%
- Sep 12, 20265.25%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
Published APR range: 4.49% - 17.49%. Auto loan for new autos and used autos 2 years old; Annual Percentage Rate (APR*); rates subject to borrower credit history, loan term and vehicle year
As Low As; Previously 5.00%; Additional 0.25% discount for hybrid/electric vehicles
APR is best rate available based on a 36-month term with a down payment of 20% or more; Eco Auto Loans for electric or hybrid vehicles receive a 0.50% discount
Term: Up to 5 Years (60 months); Rate is APR
As Low As; Max Loan: No Maximum; Rate Update: January 1, 2026; New car must be an electric or hybrid vehicle powered by alternative fuels
Max Loan: No Maximum; Up to 120% of invoice or MSRP (whichever is less). Rate Update: January 1, 2026
- Oct 12, 20264.50%▼ from 5.00%
- Sep 16, 20265.00%first recorded
As Low As; Interest Rate (APR*)
Promotion (Subject to change)
Term: 6.5 Years (78 months); Grade: Platinum; Collateral Value: 100% LTV
Grade: Preferred; Collateral Value: 100% LTV
As Low As
As Low As; Rates subject to change.
As Low As; Previously 5.25%; Additional 0.25% discount for hybrid/electric vehicles
APR is best rate available based on a 36-month term with a down payment of 20% or more; Eco Auto Loans for electric or hybrid vehicles receive a 0.50% discount
As low as
As Low As; Max Loan: No Maximum; Rate Update: January 1, 2026; New car must be an electric or hybrid vehicle powered by alternative fuels
Max Loan: No Maximum; Up to 120% of invoice or MSRP (whichever is less). Rate Update: January 1, 2026
- Oct 12, 20264.75%▼ from 5.25%
- Sep 16, 20265.25%first recorded
As Low As; Approval based on 125% JD Power Clean Retail Value
Grade: Preferred; Collateral Value: 100% LTV
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
As low as; *
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
Published APR range: 4.99% - 17.49%. Auto loan for new autos and used autos 2 years old; Annual Percentage Rate (APR*); rates subject to borrower credit history, loan term and vehicle year
- Oct 6, 20265.00%▲ from 4.50%
- Sep 18, 20264.50%first recorded
As Low As; 4.50% with additional 0.25% discount for hybrid/electric vehicles
- Oct 12, 20265.00%▲ from 4.50%
- Sep 14, 20264.50%first recorded
Loan amount: $15,000+; APR is best rate available based on a 36-month term with a down payment of 20% or more; Eco Auto Loans for electric or hybrid vehicles receive a 0.50% discount
- Oct 4, 20265.00%▲ from 4.75%
- Sep 16, 20264.75%first recorded
Max Loan: No Maximum; Up to 120% of invoice or MSRP (whichever is less). Rate Update: January 1, 2026
- Oct 12, 20265.00%▼ from 6.00%
- Sep 16, 20266.00%first recorded
As Low As; Approval based on 125% JD Power Clean Retail Value
100% of invoice
Grade: Preferred; Collateral Value: 100% LTV
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
Purchase
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Previously 5.75%; Additional 0.25% discount for hybrid/electric vehicles
Term: Up to 6 Years (72 months); Rate is APR
As low as
100% of invoice
100% of invoice
As Low As; Includes 25 basis point reduction for automatic payment
- Oct 4, 20265.25%▼ from 6.25%
- Sep 12, 20266.25%first recorded
Purchase
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
Published APR range: 5.49% - 17.49%. Auto loan for new autos and used autos 2 years old; Annual Percentage Rate (APR*); rates subject to borrower credit history, loan term and vehicle year
- Oct 6, 20265.50%▲ from 5.00%
- Sep 18, 20265.00%first recorded
As Low As; Rate shown for best credit with term indicated; may be higher without automatic payment and direct deposit
As low as
100% of invoice
Grade: Platinum; Collateral Value: 100% LTV
Term: 6.5 Years (78 months); Grade: Preferred; Collateral Value: 100% LTV
As Low As; Ask about our Auto Loan rate match program!
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
Loan amount: $20,000+; APR is best rate available based on a 36-month term with a down payment of 20% or more; Eco Auto Loans for electric or hybrid vehicles receive a 0.50% discount
As low as
As low as; *
As Low As; Includes 25 basis point reduction for automatic payment
- Oct 4, 20265.75%▼ from 6.75%
- Sep 12, 20266.75%first recorded
As Low As; Ask about our Auto Loan rate match program!
As low as
As low as
As Low As
As Low As; Rates subject to change.
APR* (as low as)
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Max Loan: No Maximum; Rate Update: January 1, 2026; New car must be an electric or hybrid vehicle powered by alternative fuels
Grade: Standard; Collateral Value: 100% LTV
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
As Low As; Ask about our Auto Loan rate match program!
Purchase
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
APR* (as low as)
Max Loan: No Maximum; Up to 120% of invoice or MSRP (whichever is less). Rate Update: January 1, 2026
As Low As; $25,000 min; Approval based on 125% JD Power Clean Retail Value
As low as
As Low As; Includes 25 basis point reduction for automatic payment
- Oct 4, 20266.25%▼ from 7.25%
- Sep 12, 20267.25%first recorded
As Low As; Ask about our Auto Loan rate match program!
Published APR range: 6.49% - 9.99%. Auto loan for new autos and used autos 2 years old; Annual Percentage Rate (APR*); 96 months term available for New Autos with loan to value no greater than 115%; additional conditions and restrictions apply
Hawaii Used Auto Auto Loan Rates
Credit Grade: Platinum (credit score 730+); Collateral Value: 100% LTV
Credit Grade: Platinum (credit score 730+); Collateral Value: 100% LTV
Term: Up to 4 Years (48 months); APR*
As Low As; Loan Amount: Up to 100% Financing of Kelly Blue Book Retail Value
As low as
Credit Grade: Platinum (credit score 730+); Collateral Value: 100% LTV
Credit Grade: Preferred (credit score 729-680); Collateral Value: 100% LTV
Published APR range: 4.49% - 17.49%. Auto loan for new autos and used autos 2 years old; Annual Percentage Rate (APR*); rates subject to borrower credit history, loan term and vehicle year
Term: Up to 5 Years (60 months); APR*
Financing up to 100% of Kelley Blue Book retail value; Credit Life and Disability Insurance are available to protect you and your family in the event of death or disability; Extended Warranty options; GAP Insurance coverage available to protect you against loss; Used autos must not be more than 6 years old; Easy repayment methods (payroll deduction, automated phone banking, and coupon payment book)
Special
Special
As low as
Rate Update: July 1, 2026; Max Loan: No Maximum; Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Credit Grade: Platinum (credit score 730+); Collateral Value: 100% LTV
Credit Grade: Preferred (credit score 729-680); Collateral Value: 100% LTV
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
As Low As
As Low As; Rates subject to change.
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
Published APR range: 4.99% - 17.49%. Auto loan for new autos and used autos 2 years old; Annual Percentage Rate (APR*); rates subject to borrower credit history, loan term and vehicle year
Published APR range: 4.99% - 17.49%. APR is Annual Percentage Rate. Rates are subject to change without notice. Actual rate will be based on borrower's credit history, loan term and year of vehicle. Certain terms and restrictions may apply.
Special
As Low As; Previously 5.50%; Additional 0.25% discount for hybrid/electric vehicles
APR disclosed is the best rate available based on a 36-month term with a down payment of 20% or more
Rate Update: July 1, 2026; Max Loan: No Maximum; Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As; 120% of JD Power Clean Retail Value
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
As low as
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Previously 5.75%; Additional 0.25% discount for hybrid/electric vehicles
Term: Up to 6 Years (72 months); APR*
As low as
Rate Update: July 1, 2026; Max Loan: No Maximum; Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As; Interest Rate (APR*)
As Low As; 120% of JD Power Clean Retail Value
Credit Grade: Preferred (credit score 729-680); Collateral Value: 100% LTV
As Low As; Based on Kelly Blue Book Value; Includes 25 basis point reduction for automatic payment
- Oct 4, 20265.25%▼ from 6.25%
- Sep 20, 20266.25%first recorded
As Low As
As Low As; Rates subject to change.
As Low As
As Low As; Rates subject to change.
Published APR range: 5.49% - 17.49%. Auto loan for new autos and used autos 2 years old; Annual Percentage Rate (APR*); rates subject to borrower credit history, loan term and vehicle year
Published APR range: 5.49% - 17.49%. APR is Annual Percentage Rate. Rates are subject to change without notice. Actual rate will be based on borrower's credit history, loan term and year of vehicle. Certain terms and restrictions may apply.
Published APR range: 5.49% - 15.99%. Used Auto Equity loan; Rates subject to change without notice; actual rate based on credit history, loan term and year of vehicle
As Low As; Previously 6.00%; Additional 0.25% discount for hybrid/electric vehicles
APR disclosed is the best rate available based on a 36-month term with a down payment of 20% or more
As Low As; 120% of JD Power Clean Retail Value
As low as
Purchase Refinance
As Low As; Rate includes 0.25% automatic loan payment discount; Example payment per $1,000: $30.20
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Previously 6.25%; Additional 0.25% discount for hybrid/electric vehicles
APR disclosed is the best rate available based on a 36-month term with a down payment of 20% or more
Loan amount: ($15,000+); APR disclosed is the best rate available based on a 36-month term with a down payment of 20% or more
As low as
Credit Grade: Preferred (credit score 729-680); Collateral Value: 100% LTV
As Low As; Based on Kelly Blue Book Value; Includes 25 basis point reduction for automatic payment
- Oct 4, 20265.75%▼ from 6.75%
- Sep 20, 20266.75%first recorded
Purchase Refinance
As Low As; Rate includes 0.25% automatic loan payment discount; Example payment per $1,000: $23.37
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
Published APR range: 5.99% - 17.49%. Vehicles 6 years and older; APR range based on credit history, loan term and year of vehicle
Published APR range: 5.99% - 17.49%. 84 months term available for Used Autos 3 to 4 years old. APR is Annual Percentage Rate. Rates are subject to change without notice. Actual rate will be based on borrower's credit history, loan term and year of vehicle. Certain terms and restrictions may apply.
Special
Rate Update: July 1, 2026; Max Loan: No Maximum; Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Vehicles up to blue book
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
Purchase Refinance
As Low As; Rate includes 0.25% automatic loan payment discount; Example payment per $1,000: $19.33
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less; rates higher for terms greater than 36 months
As Low As; Rate shown for best credit with term indicated; may be higher without automatic payment and direct deposit
As Low As; 120% of JD Power Clean Retail Value
As low as
Credit Grade: Standard (credit score 679-620); Collateral Value: 100% LTV
As Low As; Based on Kelly Blue Book Value; Includes 25 basis point reduction for automatic payment
- Oct 4, 20266.25%▼ from 7.25%
- Sep 20, 20267.25%first recorded
As Low As; Ask about our Auto Loan rate match
As low as
Published APR range: 6.49% - 9.99%. Auto loan for new autos and used autos 2 years old; Annual Percentage Rate (APR*); 96 months term available for New Autos with loan to value no greater than 115%; additional conditions and restrictions apply
Published APR range: 6.49% - 17.49%. Term available for vehicles 6 years old only; APR range based on credit history, loan term and year of vehicle
Published APR range: 6.49% - 15.99%. Vehicles over five years old; APR is subject to change without notice and is based on borrower's credit history, loan term and year of vehicle
Hawaii Auto Loan Rate Trends
Compare local Hawaii 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 0.018 points over the past 7 days to 5.038% APR.
Hawaii used auto rates fell 0.032 points over the past 7 days to 5.549% APR.
Hawaii 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.
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 @ 5.04% APR HI average | Used Auto @ 5.55% APR HI average | Monthly Difference |
|---|---|---|---|
| $15,000 | $283.33/mo | $286.86/mo | $3.53/mo |
| $25,000 | $472.21/mo | $478.09/mo | $5.88/mo |
| $35,000 | $661.10/mo | $669.33/mo | $8.23/mo |
| $45,000 | $849.98/mo | $860.57/mo | $10.59/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 Hawaii
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving 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.
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.
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.
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.
- Saving up for a bigger down payment: park it in a Hawaii high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Hawaii CD rates lock in a guaranteed return until you’re ready to buy
Hawaii Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $567 monthly car payment works out to roughly 14.1% of the median individual income in Hawaii. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in 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 to 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 to 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 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.
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 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 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 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.
Bad Credit Auto Loans in Hawaii
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in 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?
Should I get preapproved for an auto loan before visiting a dealer in Hawaii?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Hawaii?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Hawaii?
- Lanai Federal Credit Union: 3.00% (New Auto Loans)
- Kauai Teachers Federal Credit Union: 3.50% (New Auto)
- HawaiiUSA Federal Credit Union: 3.75% (New Auto Loans)
- Navy Federal Credit Union: 3.89% (New Auto Loan)
- Hawaiian Financial Federal Credit Union: 4.00% (New Auto)
Auto Loan Rates by City in Hawaii
