Auto Loan Rates in Honolulu, Hawaii (HI) for May 2026
Brian McKay
Brian McKay
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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 Used Auto Loans at 3.70%, HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit Union1226 College Walk, Honolulu, HI, 96817A+5.0 ★Texas Ratio: 2.50% 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: 7.94% 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: 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%. Auto loan rates as of May 10, 2026 according to verified data from MonitorBankRates.
Honolulu has 7 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: May 10, 2026
Compare Auto Loan Rates Today in Honolulu, Hawaii & Surrounding Area
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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.
As Low As; APR: Annual Percentage Rate. 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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New car must be an electric or hybrid vehicle powered by alternative fuels.
As Low As; APR: Annual Percentage Rate. 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).
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As; APR: Annual Percentage Rate. 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.
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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!
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As Low As; Ask about our Auto Loan rate match program!
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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; APR: Annual Percentage Rate. 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; Ask about our Auto Loan rate match program!
As Low As; Ask about our Auto Loan rate match
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As Low As; Ask about our Auto Loan rate match
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As Low As; Ask about our Auto Loan rate match
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As Low As; Ask about our Auto Loan rate match
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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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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.
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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.
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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.
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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.
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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.
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As Low As; Regular APR: 15.99%
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.
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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.
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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.
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As Low As; APR: Annual Percentage Rate. 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; APR: Annual Percentage Rate. 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.
As Low As; APR: Annual Percentage Rate. 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.
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
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; APR: Annual Percentage Rate. 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 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!
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As Low As; APR: Annual Percentage Rate. 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; APR: Annual Percentage Rate. 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; APR: Annual Percentage Rate. 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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As Low As; APR: Annual Percentage Rate. 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
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match
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As Low As; Ask about our Auto Loan rate match
As Low As; Ask about our Auto Loan rate match
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As Low As; Ask about our Auto Loan rate match
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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.
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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.
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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.
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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.
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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.
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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 0.205 points over the past 7 days to 5.587% APR.
Hawaii used auto rates fell 0.161 points over the past 7 days to 6.230% 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% (Used Auto Loans)
- 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)
- Hawaiian Financial Federal Credit Union: 4.75% (New Auto Loan)
