Auto Loan Rates in Kahuku, Hawaii (HI) for April 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Kahuku, Hawaii. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Kahuku, Hawaii include HAWAIIAN ELECTRIC EMPLOYEESHAWAIIAN ELECTRIC EMPLOYEESA+5.0 ★Texas Ratio: 2.62% offering Used Auto Loans at 3.70%, Hawaii County Employees Federal Credit UnionHawaii County Employees Federal Credit UnionA+5.0 ★Texas Ratio: 1.21% offering USED AUTO at 4.00%, Hamakua Federal Credit UnionHamakua Federal Credit UnionA5.0 ★Texas Ratio: 9.07% offering New Autos at 4.24%, Big Island Federal Credit UnionBig Island Federal Credit UnionA+5.0 ★Texas Ratio: 5.00% offering New Autos at 4.25%, HOCU Honolulu Federal Credit UnionHOCU Honolulu Federal Credit UnionA5.0 ★Texas Ratio: 7.94% offering Green New Car at 4.25%. Auto loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Kahuku borrowers have access to 22 lenders serving the Hawaii area, with auto loan rates as low as 3.70% APR from HAWAIIAN ELECTRIC EMPLOYEES. 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 Kahuku, Hawaii. Auto Loan Rates Last Updated and Verified: April 6, 2026
Compare Auto Loan Rates Today in Kahuku, Hawaii & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Used Auto Loans
3.70%
Special: 2 & 3 Years
▼
APR3.70%
TermSpecial: 2 & 3 Years
Last UpdatedMar 27, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Used Auto Loans
3.75%
Special: 4 Years
▼
APR3.75%
TermSpecial: 4 Years
Last UpdatedMar 27, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Used Auto Loans
4.00%
Special: 5 Years
▼
APR4.00%
TermSpecial: 5 Years
Last UpdatedMar 27, 2026
Details
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
USED AUTO
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedApr 4, 2026
Details
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
New Autos
4.24%
Up to 84 Months
▼
APR4.24%
TermUp to 84 Months
Last UpdatedApr 4, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
New Autos
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedMar 25, 2026
Details
As Low As; 100% financing available; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
Green New Car
4.25%
3 yr
▼
APR4.25%
Term3 yr
Last UpdatedApr 4, 2026
Details
Up to 120% of invoice or MSRP (whichever is less).
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Auto
4.49%
12 Months
▼
APR4.49%
Term12 Months
Last UpdatedApr 4, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto and Used Auto (2 Years Old)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 6, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
New Autos
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As; 100% financing available; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Pre-Owned Autos
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As; Autos up to 5 years old; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
NEW AUTO - September 25, 2023
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 4, 2026
Details
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
USED AUTO
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 4, 2026
Details
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
Auto Loans
4.50%
5 yr
▼
APR4.50%
Term5 yr
Last UpdatedApr 4, 2026
Details
New car must be an electric or hybrid vehicle powered by alternative fuels.
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
Green New Car
4.50%
4 yr
▼
APR4.50%
Term4 yr
Last UpdatedApr 4, 2026
Details
Up to 120% of invoice or MSRP (whichever is less).
Maui County Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
New Auto up to 4 years old
4.50%
up to 7 years
▼
APR4.50%
Termup to 7 years
Last UpdatedApr 4, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto Loan
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedApr 4, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
Auto Loans
4.75%
6 yr
▼
APR4.75%
Term6 yr
Last UpdatedApr 4, 2026
Details
New car must be an electric or hybrid vehicle powered by alternative fuels.
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
Green New Car
4.75%
5 yr
▼
APR4.75%
Term5 yr
Last UpdatedApr 4, 2026
Details
Up to 120% of invoice or MSRP (whichever is less).
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Vehicle Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 4, 2026
Details
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.
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Auto Loan
4.75%
36 mos
▼
APR4.75%
Term36 mos
Last UpdatedApr 4, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
Used Auto Loans
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 4, 2026
Details
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
New Auto/Truck
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 4, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Used Auto (5 years & newer)
4.99%
12 Months
▼
APR4.99%
Term12 Months
Last UpdatedApr 4, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto and Used Auto (2 Years Old)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto (3 to 5 Years Old)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 6, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Used Auto Loans
5.00%
Special: 6 Years
▼
APR5.00%
TermSpecial: 6 Years
Last UpdatedMar 27, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto Loan
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedApr 4, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
Green New Car
5.00%
6 yr
▼
APR5.00%
Term6 yr
Last UpdatedApr 4, 2026
Details
Up to 120% of invoice or MSRP (whichever is less).
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
New Car
5.00%
3 Months
▼
APR5.00%
Term3 Months
Last UpdatedApr 4, 2026
Details
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
New Auto 100% of invoice
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedApr 4, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Auto Loan
5.00%
60 mos
▼
APR5.00%
Term60 mos
Last UpdatedApr 4, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
Used Auto Loans
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 4, 2026
Details
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
New Auto/Truck
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedApr 4, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Auto
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Used Auto (6-10 years old)
5.24%
12 Months
▼
APR5.24%
Term12 Months
Last UpdatedApr 4, 2026
Details
As Low As
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
New Auto
5.24%
0-48 Months
▼
APR5.24%
Term0-48 Months
Last UpdatedApr 6, 2026
Details
As Low As; Financing up to 125% for current and prior model year
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Pre-Owned Auto
5.24%
0-36 Months
▼
APR5.24%
Term0-36 Months
Last UpdatedApr 6, 2026
Details
110% financing
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto Loan
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
NEW AUTO - September 25, 2023
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 4, 2026
Details
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
USED AUTO
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 4, 2026
Details
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
New Car
5.25%
4 Months
▼
APR5.25%
Term4 Months
Last UpdatedApr 4, 2026
Details
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Maui County Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
Used Auto 5 years to 10 years old
5.25%
up to 5 years
▼
APR5.25%
Termup to 5 years
Last UpdatedApr 4, 2026
Details
As Low As
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
New Auto
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedApr 4, 2026
Details
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
New Auto Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
New Auto/Truck
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 4, 2026
Details
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
Pre-owned Autos
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedApr 4, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Auto
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto and Used Auto (2 Years Old)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto (3 to 5 Years Old)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto Equity
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 6, 2026
Details
As Low As
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
New Auto
5.49%
61-84 Months
▼
APR5.49%
Term61-84 Months
Last UpdatedApr 6, 2026
Details
As Low As; Financing up to 125% for current and prior model year
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Pre-Owned Auto
5.49%
61-72 Months
▼
APR5.49%
Term61-72 Months
Last UpdatedApr 6, 2026
Details
110% financing
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
New Autos
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As; 100% financing available; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Pre-Owned Autos
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As; Autos up to 5 years old; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto Loan
5.50%
3 Years
▼
APR5.50%
Term3 Years
Last UpdatedApr 4, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
New Car
5.50%
5 Months
▼
APR5.50%
Term5 Months
Last UpdatedApr 4, 2026
Details
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Auto - Based on JD Power Value
5.50%
3 years
▼
APR5.50%
Term3 years
Last UpdatedApr 4, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New Auto
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedApr 4, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
Used Auto
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedApr 4, 2026
Details
As Low As
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
New Auto
5.50%
8 Years
▼
APR5.50%
Term8 Years
Last UpdatedApr 4, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
5.50%
1-3 Year
▼
APR5.50%
Term1-3 Year
Last UpdatedApr 4, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Used Auto/Truck
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedApr 4, 2026
Details
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.48%
Auto Loan
5.65%
1-3 years
▼
APR5.65%
Term1-3 years
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.48%
Auto Loans
5.65%
1-3
▼
APR5.65%
Term1-3
Last UpdatedApr 4, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Auto
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Used Auto (5 years & newer)
5.74%
24 Months
▼
APR5.74%
Term24 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto Loan
5.75%
6 Years
▼
APR5.75%
Term6 Years
Last UpdatedApr 4, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto Loan
5.75%
4 Years
▼
APR5.75%
Term4 Years
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.48%
Auto Loan
5.75%
4 years
▼
APR5.75%
Term4 years
Last UpdatedApr 4, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Auto Loans
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Auto - Based on JD Power Value
5.75%
5 years
▼
APR5.75%
Term5 years
Last UpdatedApr 4, 2026
Details
As Low As
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Vehicle Loans
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedApr 4, 2026
Details
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.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
5.75%
4-Year
▼
APR5.75%
Term4-Year
Last UpdatedApr 4, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Used Auto/Truck
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedApr 4, 2026
Details
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.48%
Auto Loan
5.85%
5 years
▼
APR5.85%
Term5 years
Last UpdatedApr 4, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Auto Loans
5.90%
48 Months
▼
APR5.90%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.48%
Auto Loan
5.95%
6 years
▼
APR5.95%
Term6 years
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
New Auto Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As; terms up to 72 mos.
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Used Auto (5 years & newer)
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Used Auto (6-10 years old)
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedApr 4, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Older Used Auto (6 Years and Older)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedApr 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto (3 to 5 Years Old)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 6, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Pre-Owned Autos
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As; Autos up to 5 years old; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto Loan
6.00%
5 Years
▼
APR6.00%
Term5 Years
Last UpdatedApr 4, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Auto Loans
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
Auto Loans
6.00%
7 yr
▼
APR6.00%
Term7 yr
Last UpdatedApr 4, 2026
Details
New car must be an electric or hybrid vehicle powered by alternative fuels.
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Auto - Based on JD Power Value
6.00%
6 years
▼
APR6.00%
Term6 years
Last UpdatedApr 4, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Auto - Based on JD Power Value
6.00%
4 years
▼
APR6.00%
Term4 years
Last UpdatedApr 4, 2026
Details
As Low As
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
Used Auto Vehicles up to blue book
6.00%
7 Years
▼
APR6.00%
Term7 Years
Last UpdatedApr 4, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Auto Loan
6.00%
72 mos
▼
APR6.00%
Term72 mos
Last UpdatedApr 4, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
Used Auto Loans
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedApr 4, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
6.00%
5-Year
▼
APR6.00%
Term5-Year
Last UpdatedApr 4, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
New Auto/Truck
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedApr 4, 2026
Details
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Used Auto/Truck
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedApr 4, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Auto Loans
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Auto
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Used Auto (5 years & newer)
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Used Auto (6-10 years old)
6.24%
36 Months
▼
APR6.24%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
New Autos
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As; 100% financing available; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto Loan
6.25%
6 Years
▼
APR6.25%
Term6 Years
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto Loans
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto Loans
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Used Auto Loans
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
Green New Car
6.25%
7 yr
▼
APR6.25%
Term7 yr
Last UpdatedApr 4, 2026
Details
Up to 120% of invoice or MSRP (whichever is less).
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
New Car
6.25%
6 Months
▼
APR6.25%
Term6 Months
Last UpdatedApr 4, 2026
Details
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New Auto
6.25%
78 Months
▼
APR6.25%
Term78 Months
Last UpdatedApr 4, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
Used Auto
6.25%
78 Months
▼
APR6.25%
Term78 Months
Last UpdatedApr 4, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
New Auto Loan
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Used Auto Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
6.25%
6-Year
▼
APR6.25%
Term6-Year
Last UpdatedApr 4, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
6.25%
1-3 Year
▼
APR6.25%
Term1-3 Year
Last UpdatedApr 4, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
New Auto Loans
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As; terms up to 84 mos.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
autos over five years old
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedApr 6, 2026
Details
As Low As; Regular APR: 15.99%
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto and Used Auto (2 Years Old)
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedApr 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Older Used Auto (6 Years and Older)
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedApr 6, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Pre-Owned Autos
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As; Autos up to 5 years old; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto Loans
6.50%
78 Months
▼
APR6.50%
Term78 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto Loans
6.50%
78 Months
▼
APR6.50%
Term78 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
NEW AUTO - September 25, 2023
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedApr 4, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Used Auto Loans
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Auto - Based on JD Power Value
6.50%
5 years
▼
APR6.50%
Term5 years
Last UpdatedApr 4, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
6.50%
4-Year
▼
APR6.50%
Term4-Year
Last UpdatedApr 4, 2026
Details
As Low As; Ask about our Auto Loan rate match
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Used Auto (5 years & newer)
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.48%
Auto Loan
6.75%
7 years
▼
APR6.75%
Term7 years
Last UpdatedApr 4, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Used Auto Loans
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Vehicle Loans
6.75%
84 Months
▼
APR6.75%
Term84 Months
Last UpdatedApr 4, 2026
Details
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.
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
New Auto Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Used Auto Loan
6.75%
48 Months
▼
APR6.75%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
6.75%
5-Year
▼
APR6.75%
Term5-Year
Last UpdatedApr 4, 2026
Details
As Low As; Ask about our Auto Loan rate match
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Used Auto/Truck
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedApr 4, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto Loan
7.00%
7 Years
▼
APR7.00%
Term7 Years
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto Loans Vehicle Year: 2022
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto Loans Vehicle Year: 2023-2024
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Auto - Based on JD Power Value
7.00%
7 Years
▼
APR7.00%
Term7 Years
Last UpdatedApr 4, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Auto - Based on JD Power Value
7.00%
6 years
▼
APR7.00%
Term6 years
Last UpdatedApr 4, 2026
Details
As Low As
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Auto Loan
7.00%
84 mos
▼
APR7.00%
Term84 mos
Last UpdatedApr 4, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
7.00%
6-Year
▼
APR7.00%
Term6-Year
Last UpdatedApr 4, 2026
Details
As Low As; Ask about our Auto Loan rate match
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
New Auto/Truck
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedApr 4, 2026
Details
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.48%
Auto Loan
7.15%
1-3 years
▼
APR7.15%
Term1-3 years
Last UpdatedApr 4, 2026
Details
As Low As
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
New Autos
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As; 100% financing available; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.48%
Auto Loan
7.25%
4 years
▼
APR7.25%
Term4 years
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto Loans Vehicle Year: 2021
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New Auto
7.25%
90 Months
▼
APR7.25%
Term90 Months
Last UpdatedApr 4, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
Used Auto
7.25%
90 Months
▼
APR7.25%
Term90 Months
Last UpdatedApr 4, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
New Auto Loan
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Used Auto Loan
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.48%
Auto Loan
7.35%
5 years
▼
APR7.35%
Term5 years
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.48%
Auto Loan
7.45%
6 years
▼
APR7.45%
Term6 years
Last UpdatedApr 4, 2026
Details
As Low As
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Pre-Owned Toys
7.49%
0-36 Months
▼
APR7.49%
Term0-36 Months
Last UpdatedApr 6, 2026
Details
100% financing for toys up to 5 years old
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto Loan
7.50%
7 Years
▼
APR7.50%
Term7 Years
Last UpdatedApr 4, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
7.50%
7-Year
▼
APR7.50%
Term7-Year
Last UpdatedApr 4, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Pre-Owned Toys
7.74%
37-48 Months
▼
APR7.74%
Term37-48 Months
Last UpdatedApr 6, 2026
Details
100% financing for toys up to 5 years old
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Pre-Owned Autos
7.75%
78 Months
▼
APR7.75%
Term78 Months
Last UpdatedMar 25, 2026
Details
As Low As; Autos up to 5 years old; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto Loans
7.75%
84 Months
▼
APR7.75%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto Loans
7.75%
84 Months
▼
APR7.75%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Older Used Auto Loan
7.75%
48 Months
▼
APR7.75%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Used Auto Loan
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Used Auto/Truck
7.75%
84 Months
▼
APR7.75%
Term84 Months
Last UpdatedApr 4, 2026
Details
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Pre-Owned Toys
7.99%
49-60 Months
▼
APR7.99%
Term49-60 Months
Last UpdatedApr 6, 2026
Details
100% financing for toys up to 5 years old
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Auto - Based on JD Power Value
8.00%
7 years
▼
APR8.00%
Term7 years
Last UpdatedApr 4, 2026
Details
As Low As
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
New Autos
8.00%
Up to 84 Months
▼
APR8.00%
TermUp to 84 Months
Last UpdatedApr 4, 2026
Details
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
Pre-owned Autos
8.00%
Up to 72 Months
▼
APR8.00%
TermUp to 72 Months
Last UpdatedApr 4, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
8.00%
7-Year
▼
APR8.00%
Term7-Year
Last UpdatedApr 4, 2026
Details
As Low As; Ask about our Auto Loan rate match
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Auto Loans
8.15%
84 Months
▼
APR8.15%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
First Time Auto Buyer - New Auto
8.24%
0-48 Months
▼
APR8.24%
Term0-48 Months
Last UpdatedApr 6, 2026
Details
Financing up to 110% for current and prior model year
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
First Time Auto Buyer - Used Auto
8.24%
0-36 Months
▼
APR8.24%
Term0-36 Months
Last UpdatedApr 6, 2026
Details
110% financing
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Pre-Owned RVs
8.24%
0-72 Months
▼
APR8.24%
Term0-72 Months
Last UpdatedApr 6, 2026
Details
Up to 100% financing for RVs up to 10 years old
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
First Time Auto Buyer - New Auto
8.49%
61-72 Months
▼
APR8.49%
Term61-72 Months
Last UpdatedApr 6, 2026
Details
Financing up to 110% for current and prior model year
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
First Time Auto Buyer - Used Auto
8.49%
61-72 Months
▼
APR8.49%
Term61-72 Months
Last UpdatedApr 6, 2026
Details
110% financing
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Pre-Owned RVs
8.49%
73-120 Months
▼
APR8.49%
Term73-120 Months
Last UpdatedApr 6, 2026
Details
Up to 100% financing for RVs up to 10 years old
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Non-purchased Used Auto Loan
8.50%
Up to 3 Years
▼
APR8.50%
TermUp to 3 Years
Last UpdatedApr 4, 2026
Details
As Low As
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Pre-Owned RVs
8.74%
121-144 Months
▼
APR8.74%
Term121-144 Months
Last UpdatedApr 6, 2026
Details
Up to 100% financing for RVs up to 10 years old
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Non-purchased Used Auto Loan
8.75%
4 Years
▼
APR8.75%
Term4 Years
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto Loans
8.75%
54 Months
▼
APR8.75%
Term54 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Non-purchased Used Auto Loan
9.75%
5 Years
▼
APR9.75%
Term5 Years
Last UpdatedApr 4, 2026
Details
As Low As
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Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
New Autos
4.24%
Up to 84 Months
▼
APR4.24%
TermUp to 84 Months
Last UpdatedApr 4, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
New Autos
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedMar 25, 2026
Details
As Low As; 100% financing available; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
Green New Car
4.25%
3 yr
▼
APR4.25%
Term3 yr
Last UpdatedApr 4, 2026
Details
Up to 120% of invoice or MSRP (whichever is less).
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Auto
4.49%
12 Months
▼
APR4.49%
Term12 Months
Last UpdatedApr 4, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto and Used Auto (2 Years Old)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 6, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
New Autos
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As; 100% financing available; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
NEW AUTO - September 25, 2023
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 4, 2026
Details
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
Green New Car
4.50%
4 yr
▼
APR4.50%
Term4 yr
Last UpdatedApr 4, 2026
Details
Up to 120% of invoice or MSRP (whichever is less).
Maui County Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
New Auto up to 4 years old
4.50%
up to 7 years
▼
APR4.50%
Termup to 7 years
Last UpdatedApr 4, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto Loan
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedApr 4, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
Green New Car
4.75%
5 yr
▼
APR4.75%
Term5 yr
Last UpdatedApr 4, 2026
Details
Up to 120% of invoice or MSRP (whichever is less).
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Auto Loan
4.75%
36 mos
▼
APR4.75%
Term36 mos
Last UpdatedApr 4, 2026
Details
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
New Auto/Truck
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 4, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Used Auto (5 years & newer)
4.99%
12 Months
▼
APR4.99%
Term12 Months
Last UpdatedApr 4, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto and Used Auto (2 Years Old)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 6, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto Loan
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedApr 4, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
Green New Car
5.00%
6 yr
▼
APR5.00%
Term6 yr
Last UpdatedApr 4, 2026
Details
Up to 120% of invoice or MSRP (whichever is less).
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
New Car
5.00%
3 Months
▼
APR5.00%
Term3 Months
Last UpdatedApr 4, 2026
Details
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
New Auto 100% of invoice
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedApr 4, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Auto Loan
5.00%
60 mos
▼
APR5.00%
Term60 mos
Last UpdatedApr 4, 2026
Details
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
New Auto/Truck
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedApr 4, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Auto
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedApr 4, 2026
Details
As Low As
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
New Auto
5.24%
0-48 Months
▼
APR5.24%
Term0-48 Months
Last UpdatedApr 6, 2026
Details
As Low As; Financing up to 125% for current and prior model year
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto Loan
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
NEW AUTO - September 25, 2023
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 4, 2026
Details
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
New Car
5.25%
4 Months
▼
APR5.25%
Term4 Months
Last UpdatedApr 4, 2026
Details
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
New Auto
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedApr 4, 2026
Details
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
New Auto Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
New Auto/Truck
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 4, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Auto
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto and Used Auto (2 Years Old)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 6, 2026
Details
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
New Auto
5.49%
61-84 Months
▼
APR5.49%
Term61-84 Months
Last UpdatedApr 6, 2026
Details
As Low As; Financing up to 125% for current and prior model year
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
New Autos
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As; 100% financing available; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
New Car
5.50%
5 Months
▼
APR5.50%
Term5 Months
Last UpdatedApr 4, 2026
Details
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New Auto
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedApr 4, 2026
Details
As Low As
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
New Auto
5.50%
8 Years
▼
APR5.50%
Term8 Years
Last UpdatedApr 4, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
5.50%
1-3 Year
▼
APR5.50%
Term1-3 Year
Last UpdatedApr 4, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Auto
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Used Auto (5 years & newer)
5.74%
24 Months
▼
APR5.74%
Term24 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto Loan
5.75%
6 Years
▼
APR5.75%
Term6 Years
Last UpdatedApr 4, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Auto Loans
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Auto - Based on JD Power Value
5.75%
5 years
▼
APR5.75%
Term5 years
Last UpdatedApr 4, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
5.75%
4-Year
▼
APR5.75%
Term4-Year
Last UpdatedApr 4, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Auto Loans
5.90%
48 Months
▼
APR5.90%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
New Auto Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As; terms up to 72 mos.
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Used Auto (5 years & newer)
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Auto Loans
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Auto - Based on JD Power Value
6.00%
6 years
▼
APR6.00%
Term6 years
Last UpdatedApr 4, 2026
Details
As Low As
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Auto Loan
6.00%
72 mos
▼
APR6.00%
Term72 mos
Last UpdatedApr 4, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
6.00%
5-Year
▼
APR6.00%
Term5-Year
Last UpdatedApr 4, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
New Auto/Truck
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedApr 4, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Auto Loans
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Auto
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Used Auto (5 years & newer)
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
New Autos
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As; 100% financing available; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto Loans
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
Green New Car
6.25%
7 yr
▼
APR6.25%
Term7 yr
Last UpdatedApr 4, 2026
Details
Up to 120% of invoice or MSRP (whichever is less).
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
New Car
6.25%
6 Months
▼
APR6.25%
Term6 Months
Last UpdatedApr 4, 2026
Details
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New Auto
6.25%
78 Months
▼
APR6.25%
Term78 Months
Last UpdatedApr 4, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
New Auto Loan
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
6.25%
6-Year
▼
APR6.25%
Term6-Year
Last UpdatedApr 4, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
New Auto Loans
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As; terms up to 84 mos.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto and Used Auto (2 Years Old)
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedApr 6, 2026
Details
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto Loans
6.50%
78 Months
▼
APR6.50%
Term78 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
NEW AUTO - September 25, 2023
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedApr 4, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Used Auto (5 years & newer)
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
New Auto Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto Loan
7.00%
7 Years
▼
APR7.00%
Term7 Years
Last UpdatedApr 4, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Auto - Based on JD Power Value
7.00%
7 Years
▼
APR7.00%
Term7 Years
Last UpdatedApr 4, 2026
Details
As Low As
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Auto Loan
7.00%
84 mos
▼
APR7.00%
Term84 mos
Last UpdatedApr 4, 2026
Details
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
New Auto/Truck
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedApr 4, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
New Autos
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As; 100% financing available; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New Auto
7.25%
90 Months
▼
APR7.25%
Term90 Months
Last UpdatedApr 4, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
New Auto Loan
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
7.50%
7-Year
▼
APR7.50%
Term7-Year
Last UpdatedApr 4, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto Loans
7.75%
84 Months
▼
APR7.75%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
New Autos
8.00%
Up to 84 Months
▼
APR8.00%
TermUp to 84 Months
Last UpdatedApr 4, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Auto Loans
8.15%
84 Months
▼
APR8.15%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
First Time Auto Buyer - New Auto
8.24%
0-48 Months
▼
APR8.24%
Term0-48 Months
Last UpdatedApr 6, 2026
Details
Financing up to 110% for current and prior model year
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
First Time Auto Buyer - New Auto
8.49%
61-72 Months
▼
APR8.49%
Term61-72 Months
Last UpdatedApr 6, 2026
Details
Financing up to 110% for current and prior model year
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Used Auto Loans
3.70%
Special: 2 & 3 Years
▼
APR3.70%
TermSpecial: 2 & 3 Years
Last UpdatedMar 27, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Used Auto Loans
3.75%
Special: 4 Years
▼
APR3.75%
TermSpecial: 4 Years
Last UpdatedMar 27, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Used Auto Loans
4.00%
Special: 5 Years
▼
APR4.00%
TermSpecial: 5 Years
Last UpdatedMar 27, 2026
Details
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
USED AUTO
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedApr 4, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto and Used Auto (2 Years Old)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 6, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Pre-Owned Autos
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As; Autos up to 5 years old; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
USED AUTO
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 4, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
Used Auto Loans
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 4, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Used Auto (5 years & newer)
4.99%
12 Months
▼
APR4.99%
Term12 Months
Last UpdatedApr 4, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto and Used Auto (2 Years Old)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto (3 to 5 Years Old)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 6, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Used Auto Loans
5.00%
Special: 6 Years
▼
APR5.00%
TermSpecial: 6 Years
Last UpdatedMar 27, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
Used Auto Loans
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 4, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Used Auto (6-10 years old)
5.24%
12 Months
▼
APR5.24%
Term12 Months
Last UpdatedApr 4, 2026
Details
As Low As
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Pre-Owned Auto
5.24%
0-36 Months
▼
APR5.24%
Term0-36 Months
Last UpdatedApr 6, 2026
Details
110% financing
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
USED AUTO
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 4, 2026
Details
Maui County Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
Used Auto 5 years to 10 years old
5.25%
up to 5 years
▼
APR5.25%
Termup to 5 years
Last UpdatedApr 4, 2026
Details
As Low As
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
Pre-owned Autos
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedApr 4, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto and Used Auto (2 Years Old)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto (3 to 5 Years Old)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto Equity
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 6, 2026
Details
As Low As
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Pre-Owned Auto
5.49%
61-72 Months
▼
APR5.49%
Term61-72 Months
Last UpdatedApr 6, 2026
Details
110% financing
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Pre-Owned Autos
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As; Autos up to 5 years old; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto Loan
5.50%
3 Years
▼
APR5.50%
Term3 Years
Last UpdatedApr 4, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Auto - Based on JD Power Value
5.50%
3 years
▼
APR5.50%
Term3 years
Last UpdatedApr 4, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
Used Auto
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedApr 4, 2026
Details
As Low As
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Used Auto/Truck
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedApr 4, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Used Auto (5 years & newer)
5.74%
24 Months
▼
APR5.74%
Term24 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto Loan
5.75%
4 Years
▼
APR5.75%
Term4 Years
Last UpdatedApr 4, 2026
Details
As Low As
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Used Auto/Truck
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedApr 4, 2026
Details
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Used Auto (5 years & newer)
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Used Auto (6-10 years old)
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedApr 4, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Older Used Auto (6 Years and Older)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedApr 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto (3 to 5 Years Old)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 6, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Pre-Owned Autos
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As; Autos up to 5 years old; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto Loan
6.00%
5 Years
▼
APR6.00%
Term5 Years
Last UpdatedApr 4, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Auto - Based on JD Power Value
6.00%
4 years
▼
APR6.00%
Term4 years
Last UpdatedApr 4, 2026
Details
As Low As
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
Used Auto Vehicles up to blue book
6.00%
7 Years
▼
APR6.00%
Term7 Years
Last UpdatedApr 4, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
Used Auto Loans
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedApr 4, 2026
Details
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Used Auto/Truck
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedApr 4, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Used Auto (5 years & newer)
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Used Auto (6-10 years old)
6.24%
36 Months
▼
APR6.24%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto Loan
6.25%
6 Years
▼
APR6.25%
Term6 Years
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto Loans
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Used Auto Loans
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
Used Auto
6.25%
78 Months
▼
APR6.25%
Term78 Months
Last UpdatedApr 4, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Used Auto Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
6.25%
1-3 Year
▼
APR6.25%
Term1-3 Year
Last UpdatedApr 4, 2026
Details
As Low As; Ask about our Auto Loan rate match
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto and Used Auto (2 Years Old)
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedApr 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Older Used Auto (6 Years and Older)
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedApr 6, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Pre-Owned Autos
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As; Autos up to 5 years old; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto Loans
6.50%
78 Months
▼
APR6.50%
Term78 Months
Last UpdatedApr 4, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Used Auto Loans
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Auto - Based on JD Power Value
6.50%
5 years
▼
APR6.50%
Term5 years
Last UpdatedApr 4, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
6.50%
4-Year
▼
APR6.50%
Term4-Year
Last UpdatedApr 4, 2026
Details
As Low As; Ask about our Auto Loan rate match
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Used Auto (5 years & newer)
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Used Auto Loans
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Used Auto Loan
6.75%
48 Months
▼
APR6.75%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
6.75%
5-Year
▼
APR6.75%
Term5-Year
Last UpdatedApr 4, 2026
Details
As Low As; Ask about our Auto Loan rate match
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Used Auto/Truck
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedApr 4, 2026
Details
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto Loans Vehicle Year: 2022
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto Loans Vehicle Year: 2023-2024
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Auto - Based on JD Power Value
7.00%
6 years
▼
APR7.00%
Term6 years
Last UpdatedApr 4, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
7.00%
6-Year
▼
APR7.00%
Term6-Year
Last UpdatedApr 4, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto Loans Vehicle Year: 2021
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
Used Auto
7.25%
90 Months
▼
APR7.25%
Term90 Months
Last UpdatedApr 4, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Used Auto Loan
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Pre-Owned Toys
7.49%
0-36 Months
▼
APR7.49%
Term0-36 Months
Last UpdatedApr 6, 2026
Details
100% financing for toys up to 5 years old
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto Loan
7.50%
7 Years
▼
APR7.50%
Term7 Years
Last UpdatedApr 4, 2026
Details
As Low As
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Pre-Owned Toys
7.74%
37-48 Months
▼
APR7.74%
Term37-48 Months
Last UpdatedApr 6, 2026
Details
100% financing for toys up to 5 years old
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Pre-Owned Autos
7.75%
78 Months
▼
APR7.75%
Term78 Months
Last UpdatedMar 25, 2026
Details
As Low As; Autos up to 5 years old; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto Loans
7.75%
84 Months
▼
APR7.75%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Older Used Auto Loan
7.75%
48 Months
▼
APR7.75%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Used Auto Loan
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Used Auto/Truck
7.75%
84 Months
▼
APR7.75%
Term84 Months
Last UpdatedApr 4, 2026
Details
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Pre-Owned Toys
7.99%
49-60 Months
▼
APR7.99%
Term49-60 Months
Last UpdatedApr 6, 2026
Details
100% financing for toys up to 5 years old
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Auto - Based on JD Power Value
8.00%
7 years
▼
APR8.00%
Term7 years
Last UpdatedApr 4, 2026
Details
As Low As
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.07%
Pre-owned Autos
8.00%
Up to 72 Months
▼
APR8.00%
TermUp to 72 Months
Last UpdatedApr 4, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
8.00%
7-Year
▼
APR8.00%
Term7-Year
Last UpdatedApr 4, 2026
Details
As Low As; Ask about our Auto Loan rate match
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
First Time Auto Buyer - Used Auto
8.24%
0-36 Months
▼
APR8.24%
Term0-36 Months
Last UpdatedApr 6, 2026
Details
110% financing
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Pre-Owned RVs
8.24%
0-72 Months
▼
APR8.24%
Term0-72 Months
Last UpdatedApr 6, 2026
Details
Up to 100% financing for RVs up to 10 years old
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
First Time Auto Buyer - Used Auto
8.49%
61-72 Months
▼
APR8.49%
Term61-72 Months
Last UpdatedApr 6, 2026
Details
110% financing
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Pre-Owned RVs
8.49%
73-120 Months
▼
APR8.49%
Term73-120 Months
Last UpdatedApr 6, 2026
Details
Up to 100% financing for RVs up to 10 years old
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Non-purchased Used Auto Loan
8.50%
Up to 3 Years
▼
APR8.50%
TermUp to 3 Years
Last UpdatedApr 4, 2026
Details
As Low As
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Pre-Owned RVs
8.74%
121-144 Months
▼
APR8.74%
Term121-144 Months
Last UpdatedApr 6, 2026
Details
Up to 100% financing for RVs up to 10 years old
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Non-purchased Used Auto Loan
8.75%
4 Years
▼
APR8.75%
Term4 Years
Last UpdatedApr 4, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto Loans
8.75%
54 Months
▼
APR8.75%
Term54 Months
Last UpdatedApr 4, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Non-purchased Used Auto Loan
9.75%
5 Years
▼
APR9.75%
Term5 Years
Last UpdatedApr 4, 2026
Details
As Low As
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MonitorBankRates
Kahuku, HI Auto Loan Rate Trends
Compare local Kahuku, 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.
New Auto Loan — HI Avg
5.805%
▼ 0.027 vs 7 days ago
Hawaii new auto rates fell 0.027 points over the past 7 days to 5.805% APR.
Used Auto Loan — HI Avg
6.329%
▼ 0.233 vs 7 days ago
Hawaii used auto rates fell 0.233 points over the past 7 days to 6.329% APR.
As of Apr 6, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Kahuku, Hawaii
How does my credit score affect my car loan rate in Hawaii?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Kahuku, Hawaii with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Hawaii *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Kahuku, Hawaii typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Kahuku, Hawaii?
Based on our current data, some of the lowest auto loan rates available in Kahuku, Hawaii include:
- HAWAIIAN ELECTRIC EMPLOYEES: 3.70% (Used Auto Loans)
- Hawaii County Employees Federal Credit Union: 4.00% (USED AUTO)
- Hamakua Federal Credit Union: 4.24% (New Autos)
- Big Island Federal Credit Union: 4.25% (New Autos)
- HOCU Honolulu Federal Credit Union: 4.25% (Green New Car)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Kahuku, Hawaii. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 6, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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