Auto Loan Rates in Kahuku, Hawaii (HI) for May 2026
Content reviewed by
Brian McKay
i
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: 1.30% offering Used Auto Loans at 3.70%, HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit UnionA+5.0 ★Texas Ratio: 2.31% offering New Auto Loans at 3.75%, Hawaii County Employees Federal Credit UnionHawaii County Employees Federal Credit UnionA+5.0 ★Texas Ratio: 1.20% offering USED AUTO at 4.00%, Hamakua Federal Credit UnionHamakua Federal Credit UnionA5.0 ★Texas Ratio: 8.60% offering New Autos at 4.24%, HOCU Honolulu Federal Credit UnionHOCU Honolulu Federal Credit UnionA5.0 ★Texas Ratio: 7.51% offering Auto Loans at 4.25%. Auto loan rates as of May 23, 2026 according to verified data from MonitorBankRates.
Kahuku borrowers have access to 20 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: May 23, 2026
Compare Auto Loan Rates Today in Kahuku, Hawaii & Surrounding Area
Kahuku Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto Loans
3.70%
Special: 2 & 3 Years
▼
APR3.70%
TermSpecial: 2 & 3 Years
Last UpdatedMay 20, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto Loans
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto Loans
3.75%
Special: 4 Years
▼
APR3.75%
TermSpecial: 4 Years
Last UpdatedMay 20, 2026
Details
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
USED AUTO
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMay 17, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto Loans
4.00%
Special: 5 Years
▼
APR4.00%
TermSpecial: 5 Years
Last UpdatedMay 20, 2026
Details
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
New Autos
4.24%
Up to 84 Months
▼
APR4.24%
TermUp to 84 Months
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Used Auto Loans
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
Auto Loans
4.25%
3 yr
▼
APR4.25%
Term3 yr
Last UpdatedMay 17, 2026
Details
Up to 120% of invoice or MSRP (whichever is less).
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Autos
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedMay 20, 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.
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto
4.49%
12 Months
▼
APR4.49%
Term12 Months
Last UpdatedMay 22, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto and Used Auto (2 Years Old)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
NEW AUTO - September 25, 2023
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
USED AUTO
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
Maui County Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New Auto up to 4 years old
4.50%
up to 7 years
▼
APR4.50%
Termup to 7 years
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
Auto Loans
4.50%
5 yr
▼
APR4.50%
Term5 yr
Last UpdatedMay 17, 2026
Details
New car must be an electric or hybrid vehicle powered by alternative fuels.
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Autos
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 20, 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: 4.72%
Pre-Owned Autos
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 20, 2026
Details
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.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Auto Loan
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto Loans
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Used Auto Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
Auto Loans
4.75%
6 yr
▼
APR4.75%
Term6 yr
Last UpdatedMay 17, 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
4.75%
5 years
▼
APR4.75%
Term5 years
Last UpdatedMay 17, 2026
Details
As Low As
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Vehicle Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 17, 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: 1.41%
New Auto Loans
4.75%
36 mos
▼
APR4.75%
Term36 mos
Last UpdatedMay 22, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Used Auto Loans
4.75%
36 mos
▼
APR4.75%
Term36 mos
Last UpdatedMay 22, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (5 years & newer)
4.99%
12 Months
▼
APR4.99%
Term12 Months
Last UpdatedMay 22, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto and Used Auto (2 Years Old)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Used Auto (3 to 5 Years Old)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Auto Loan
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
Auto Loans
5.00%
6 yr
▼
APR5.00%
Term6 yr
Last UpdatedMay 17, 2026
Details
Up to 120% of invoice or MSRP (whichever is less).
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
New Car
5.00%
3 Months
▼
APR5.00%
Term3 Months
Last UpdatedMay 17, 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%
New Auto - Based on JD Power Value
5.00%
6 years
▼
APR5.00%
Term6 years
Last UpdatedMay 17, 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
5.00%
3 years
▼
APR5.00%
Term3 years
Last UpdatedMay 17, 2026
Details
As Low As
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 UpdatedMay 17, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto Loans
5.00%
Special: 6 Years
▼
APR5.00%
TermSpecial: 6 Years
Last UpdatedMay 20, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
New Auto Loans
5.00%
60 mos
▼
APR5.00%
Term60 mos
Last UpdatedMay 22, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Used Auto Loans
5.00%
60 mos
▼
APR5.00%
Term60 mos
Last UpdatedMay 22, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (6-10 years old)
5.24%
12 Months
▼
APR5.24%
Term12 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Auto Loan
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
NEW AUTO - September 25, 2023
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 17, 2026
Details
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
USED AUTO
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 17, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto Loans
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Used Auto Loans
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Maui County Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
Used Auto 5 years to 10 years old
5.25%
up to 5 years
▼
APR5.25%
Termup to 5 years
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
New Car
5.25%
4 Months
▼
APR5.25%
Term4 Months
Last UpdatedMay 17, 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
5.25%
4 years
▼
APR5.25%
Term4 years
Last UpdatedMay 17, 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 UpdatedMay 17, 2026
Details
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Auto Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
Pre-owned Autos
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As; terms up to 72 mos.
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto and Used Auto (2 Years Old)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Used Auto (3 to 5 Years Old)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Used Auto Equity
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Regular APR: 15.99%
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Auto Loan
5.50%
3 Years
▼
APR5.50%
Term3 Years
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
New Car
5.50%
5 Months
▼
APR5.50%
Term5 Months
Last UpdatedMay 17, 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%
5 years
▼
APR5.50%
Term5 years
Last UpdatedMay 17, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Auto
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Auto
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedMay 17, 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 UpdatedMay 17, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Autos
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 20, 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: 4.72%
Pre-Owned Autos
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 20, 2026
Details
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.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
New Auto Loans
5.50%
1-3 Year
▼
APR5.50%
Term1-3 Year
Last UpdatedMay 22, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Auto Loans
5.65%
1-3 years
▼
APR5.65%
Term1-3 years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Auto Loan
5.65%
1-3 years
▼
APR5.65%
Term1-3 years
Last UpdatedMay 17, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (5 years & newer)
5.74%
24 Months
▼
APR5.74%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Auto Loan
5.75%
6 Years
▼
APR5.75%
Term6 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Auto Loan
5.75%
4 Years
▼
APR5.75%
Term4 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Auto Loan
5.75%
4 years
▼
APR5.75%
Term4 years
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto Loans
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Used Auto Loans
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Vehicle Loans
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 17, 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: 7.21%
New Auto Loans
5.75%
4-Year
▼
APR5.75%
Term4-Year
Last UpdatedMay 22, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Auto Loan
5.85%
5 years
▼
APR5.85%
Term5 years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Auto Loan
5.95%
6 years
▼
APR5.95%
Term6 years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
Auto Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
New Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (5 years & newer)
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (6-10 years old)
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Older Used Auto (6 Years and Older)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Used Auto (3 to 5 Years Old)
5.99%
84 Months2
▼
APR5.99%
Term84 Months2
Last UpdatedMay 23, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Auto Loan
6.00%
5 Years
▼
APR6.00%
Term5 Years
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
Auto Loans
6.00%
7 yr
▼
APR6.00%
Term7 yr
Last UpdatedMay 17, 2026
Details
New car must be an electric or hybrid vehicle powered by alternative fuels.
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 UpdatedMay 17, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Pre-Owned Autos
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMay 20, 2026
Details
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.
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
New Auto Loans
6.00%
72 mos
▼
APR6.00%
Term72 mos
Last UpdatedMay 22, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Used Auto Loans
6.00%
72 mos
▼
APR6.00%
Term72 mos
Last UpdatedMay 22, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
New Auto Loans
6.00%
5-Year
▼
APR6.00%
Term5-Year
Last UpdatedMay 22, 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: 3.02%
New Auto
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (5 years & newer)
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (6-10 years old)
6.24%
36 Months
▼
APR6.24%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Auto Loan
6.25%
6 Years
▼
APR6.25%
Term6 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
New Auto Loans
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
Used Auto Loans
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
Auto Loans
6.25%
7 yr
▼
APR6.25%
Term7 yr
Last UpdatedMay 17, 2026
Details
Up to 120% of invoice or MSRP (whichever is less).
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
New Car
6.25%
6 Months
▼
APR6.25%
Term6 Months
Last UpdatedMay 17, 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%
New Auto - Based on JD Power Value
6.25%
7 Years
▼
APR6.25%
Term7 Years
Last UpdatedMay 17, 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
6.25%
6 years
▼
APR6.25%
Term6 years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Auto Loans
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; terms up to 84 mos.
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Auto
6.25%
78 Months
▼
APR6.25%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Auto
6.25%
78 Months
▼
APR6.25%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Autos
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 20, 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.
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Auto Loan
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Auto Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
New Auto Loans
6.25%
6-Year
▼
APR6.25%
Term6-Year
Last UpdatedMay 22, 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: 7.21%
Used Auto Loans
6.25%
1-3 Year
▼
APR6.25%
Term1-3 Year
Last UpdatedMay 22, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Auto Loan
6.40%
1-3 years
▼
APR6.40%
Term1-3 years
Last UpdatedMay 17, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
autos over five years old
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto and Used Auto (2 Years Old)
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Older Used Auto (6 Years and Older)
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
New Auto Loans
6.50%
78 Months
▼
APR6.50%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
Used Auto Loans
6.50%
78 Months
▼
APR6.50%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Auto Loan
6.50%
4 years
▼
APR6.50%
Term4 years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
NEW AUTO - September 25, 2023
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedMay 17, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Pre-Owned Autos
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMay 20, 2026
Details
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.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Used Auto Loans
6.50%
4-Year
▼
APR6.50%
Term4-Year
Last UpdatedMay 22, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Auto Loan
6.60%
5 years
▼
APR6.60%
Term5 years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Auto Loan
6.70%
6 years
▼
APR6.70%
Term6 years
Last UpdatedMay 17, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (5 years & newer)
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Auto Loan
6.75%
7 years
▼
APR6.75%
Term7 years
Last UpdatedMay 17, 2026
Details
As Low As
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Vehicle Loans
6.75%
84 Months
▼
APR6.75%
Term84 Months
Last UpdatedMay 17, 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: 0.10%
New Auto Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Auto Loan
6.75%
48 Months
▼
APR6.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Used Auto Loans
6.75%
5-Year
▼
APR6.75%
Term5-Year
Last UpdatedMay 22, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Auto Loan
7.00%
7 Years
▼
APR7.00%
Term7 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
Used Auto Loans Vehicle Year: 2022
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
Used Auto Loans Vehicle Year: 2023-2024
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
New Auto Loans
7.00%
84 mos
▼
APR7.00%
Term84 mos
Last UpdatedMay 22, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Used Auto Loans
7.00%
6-Year
▼
APR7.00%
Term6-Year
Last UpdatedMay 22, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
Used Auto Loans Vehicle Year: 2021
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedMay 17, 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
7.25%
7 years
▼
APR7.25%
Term7 years
Last UpdatedMay 17, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Auto
7.25%
90 Months
▼
APR7.25%
Term90 Months
Last UpdatedMay 17, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Auto
7.25%
90 Months
▼
APR7.25%
Term90 Months
Last UpdatedMay 17, 2026
Details
As Low As
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Autos
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMay 20, 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.
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Auto Loan
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Auto Loan
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Auto Loan
7.50%
7 Years
▼
APR7.50%
Term7 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Auto Loan
7.50%
7 years
▼
APR7.50%
Term7 years
Last UpdatedMay 17, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
New Auto Loans
7.50%
7-Year
▼
APR7.50%
Term7-Year
Last UpdatedMay 22, 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: 3.03%
New Auto Loans
7.75%
84 Months
▼
APR7.75%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
Used Auto Loans
7.75%
84 Months
▼
APR7.75%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Pre-Owned Autos
7.75%
78 Months
▼
APR7.75%
Term78 Months
Last UpdatedMay 20, 2026
Details
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.
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Older Used Auto Loan
7.75%
48 Months
▼
APR7.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Auto Loan
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
New Autos
8.00%
Up to 84 Months
▼
APR8.00%
TermUp to 84 Months
Last UpdatedMay 17, 2026
Details
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
Pre-owned Autos
8.00%
Up to 72 Months
▼
APR8.00%
TermUp to 72 Months
Last UpdatedMay 17, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Used Auto Loans
8.00%
7-Year
▼
APR8.00%
Term7-Year
Last UpdatedMay 22, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Non-purchased Used Auto Loan
8.50%
Up to 3 Years
▼
APR8.50%
TermUp to 3 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Non-purchased Used Auto Loan
8.75%
4 Years
▼
APR8.75%
Term4 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
Used Auto Loans
8.75%
54 Months
▼
APR8.75%
Term54 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Non-purchased Used Auto Loan
9.75%
5 Years
▼
APR9.75%
Term5 Years
Last UpdatedMay 17, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Used Auto (3 to 5 Years Old)
17.49%
60 Months
▼
APR17.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
Powered by
MonitorBankRates
Kahuku New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto Loans
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
New Autos
4.24%
Up to 84 Months
▼
APR4.24%
TermUp to 84 Months
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Autos
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedMay 20, 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.
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto
4.49%
12 Months
▼
APR4.49%
Term12 Months
Last UpdatedMay 22, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto and Used Auto (2 Years Old)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
NEW AUTO - September 25, 2023
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
Maui County Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New Auto up to 4 years old
4.50%
up to 7 years
▼
APR4.50%
Termup to 7 years
Last UpdatedMay 17, 2026
Details
As Low As
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Autos
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 20, 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: 2.48%
New Auto Loan
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto Loans
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 17, 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
4.75%
5 years
▼
APR4.75%
Term5 years
Last UpdatedMay 17, 2026
Details
As Low As
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
New Auto Loans
4.75%
36 mos
▼
APR4.75%
Term36 mos
Last UpdatedMay 22, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (5 years & newer)
4.99%
12 Months
▼
APR4.99%
Term12 Months
Last UpdatedMay 22, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto and Used Auto (2 Years Old)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Auto Loan
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
New Car
5.00%
3 Months
▼
APR5.00%
Term3 Months
Last UpdatedMay 17, 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%
New Auto - Based on JD Power Value
5.00%
6 years
▼
APR5.00%
Term6 years
Last UpdatedMay 17, 2026
Details
As Low As
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 UpdatedMay 17, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
New Auto Loans
5.00%
60 mos
▼
APR5.00%
Term60 mos
Last UpdatedMay 22, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Auto Loan
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
NEW AUTO - September 25, 2023
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 17, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto Loans
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
New Car
5.25%
4 Months
▼
APR5.25%
Term4 Months
Last UpdatedMay 17, 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 UpdatedMay 17, 2026
Details
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Auto Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As; terms up to 72 mos.
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto and Used Auto (2 Years Old)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
New Car
5.50%
5 Months
▼
APR5.50%
Term5 Months
Last UpdatedMay 17, 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: 2.13%
New Auto
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedMay 17, 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 UpdatedMay 17, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Autos
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 20, 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.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
New Auto Loans
5.50%
1-3 Year
▼
APR5.50%
Term1-3 Year
Last UpdatedMay 22, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Auto Loan
5.65%
1-3 years
▼
APR5.65%
Term1-3 years
Last UpdatedMay 17, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (5 years & newer)
5.74%
24 Months
▼
APR5.74%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Auto Loan
5.75%
6 Years
▼
APR5.75%
Term6 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Auto Loan
5.75%
4 years
▼
APR5.75%
Term4 years
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto Loans
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
New Auto Loans
5.75%
4-Year
▼
APR5.75%
Term4-Year
Last UpdatedMay 22, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Auto Loan
5.85%
5 years
▼
APR5.85%
Term5 years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Auto Loan
5.95%
6 years
▼
APR5.95%
Term6 years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
New Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (5 years & newer)
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
New Auto Loans
6.00%
72 mos
▼
APR6.00%
Term72 mos
Last UpdatedMay 22, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
New Auto Loans
6.00%
5-Year
▼
APR6.00%
Term5-Year
Last UpdatedMay 22, 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: 3.02%
New Auto
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (5 years & newer)
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
New Auto Loans
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
New Car
6.25%
6 Months
▼
APR6.25%
Term6 Months
Last UpdatedMay 17, 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%
New Auto - Based on JD Power Value
6.25%
7 Years
▼
APR6.25%
Term7 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Auto Loans
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; terms up to 84 mos.
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Auto
6.25%
78 Months
▼
APR6.25%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Autos
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 20, 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.
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Auto Loan
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
New Auto Loans
6.25%
6-Year
▼
APR6.25%
Term6-Year
Last UpdatedMay 22, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto and Used Auto (2 Years Old)
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedMay 23, 2026
Details
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
New Auto Loans
6.50%
78 Months
▼
APR6.50%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
NEW AUTO - September 25, 2023
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedMay 17, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (5 years & newer)
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Auto Loan
6.75%
7 years
▼
APR6.75%
Term7 years
Last UpdatedMay 17, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Auto Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Auto Loan
7.00%
7 Years
▼
APR7.00%
Term7 Years
Last UpdatedMay 17, 2026
Details
As Low As
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
New Auto Loans
7.00%
84 mos
▼
APR7.00%
Term84 mos
Last UpdatedMay 22, 2026
Details
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Auto
7.25%
90 Months
▼
APR7.25%
Term90 Months
Last UpdatedMay 17, 2026
Details
As Low As
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Autos
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMay 20, 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.
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Auto Loan
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
New Auto Loans
7.50%
7-Year
▼
APR7.50%
Term7-Year
Last UpdatedMay 22, 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: 3.03%
New Auto Loans
7.75%
84 Months
▼
APR7.75%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
New Autos
8.00%
Up to 84 Months
▼
APR8.00%
TermUp to 84 Months
Last UpdatedMay 17, 2026
Details
Powered by
MonitorBankRates
Kahuku Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto Loans
3.70%
Special: 2 & 3 Years
▼
APR3.70%
TermSpecial: 2 & 3 Years
Last UpdatedMay 20, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto Loans
3.75%
Special: 4 Years
▼
APR3.75%
TermSpecial: 4 Years
Last UpdatedMay 20, 2026
Details
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
USED AUTO
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMay 17, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto Loans
4.00%
Special: 5 Years
▼
APR4.00%
TermSpecial: 5 Years
Last UpdatedMay 20, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Used Auto Loans
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto and Used Auto (2 Years Old)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
USED AUTO
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Pre-Owned Autos
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 20, 2026
Details
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.
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Used Auto Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Used Auto Loans
4.75%
36 mos
▼
APR4.75%
Term36 mos
Last UpdatedMay 22, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (5 years & newer)
4.99%
12 Months
▼
APR4.99%
Term12 Months
Last UpdatedMay 22, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto and Used Auto (2 Years Old)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Used Auto (3 to 5 Years Old)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Auto - Based on JD Power Value
5.00%
3 years
▼
APR5.00%
Term3 years
Last UpdatedMay 17, 2026
Details
As Low As
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto Loans
5.00%
Special: 6 Years
▼
APR5.00%
TermSpecial: 6 Years
Last UpdatedMay 20, 2026
Details
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Used Auto Loans
5.00%
60 mos
▼
APR5.00%
Term60 mos
Last UpdatedMay 22, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (6-10 years old)
5.24%
12 Months
▼
APR5.24%
Term12 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
USED AUTO
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 17, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Used Auto Loans
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Maui County Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
Used Auto 5 years to 10 years old
5.25%
up to 5 years
▼
APR5.25%
Termup to 5 years
Last UpdatedMay 17, 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
5.25%
4 years
▼
APR5.25%
Term4 years
Last UpdatedMay 17, 2026
Details
As Low As
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
Pre-owned Autos
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto and Used Auto (2 Years Old)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Used Auto (3 to 5 Years Old)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Used Auto Equity
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Regular APR: 15.99%
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Auto Loan
5.50%
3 Years
▼
APR5.50%
Term3 Years
Last UpdatedMay 17, 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%
5 years
▼
APR5.50%
Term5 years
Last UpdatedMay 17, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Auto
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Pre-Owned Autos
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 20, 2026
Details
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.
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (5 years & newer)
5.74%
24 Months
▼
APR5.74%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Auto Loan
5.75%
4 Years
▼
APR5.75%
Term4 Years
Last UpdatedMay 17, 2026
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Used Auto Loans
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (5 years & newer)
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (6-10 years old)
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Older Used Auto (6 Years and Older)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Used Auto (3 to 5 Years Old)
5.99%
84 Months2
▼
APR5.99%
Term84 Months2
Last UpdatedMay 23, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Auto Loan
6.00%
5 Years
▼
APR6.00%
Term5 Years
Last UpdatedMay 17, 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 UpdatedMay 17, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Pre-Owned Autos
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMay 20, 2026
Details
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.
Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Used Auto Loans
6.00%
72 mos
▼
APR6.00%
Term72 mos
Last UpdatedMay 22, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (5 years & newer)
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (6-10 years old)
6.24%
36 Months
▼
APR6.24%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Auto Loan
6.25%
6 Years
▼
APR6.25%
Term6 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
Used Auto Loans
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 17, 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
6.25%
6 years
▼
APR6.25%
Term6 years
Last UpdatedMay 17, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Auto
6.25%
78 Months
▼
APR6.25%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Auto Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Used Auto Loans
6.25%
1-3 Year
▼
APR6.25%
Term1-3 Year
Last UpdatedMay 22, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Auto Loan
6.40%
1-3 years
▼
APR6.40%
Term1-3 years
Last UpdatedMay 17, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New Auto and Used Auto (2 Years Old)
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Older Used Auto (6 Years and Older)
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
Used Auto Loans
6.50%
78 Months
▼
APR6.50%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Auto Loan
6.50%
4 years
▼
APR6.50%
Term4 years
Last UpdatedMay 17, 2026
Details
As Low As
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Pre-Owned Autos
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMay 20, 2026
Details
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.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Used Auto Loans
6.50%
4-Year
▼
APR6.50%
Term4-Year
Last UpdatedMay 22, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Auto Loan
6.60%
5 years
▼
APR6.60%
Term5 years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Auto Loan
6.70%
6 years
▼
APR6.70%
Term6 years
Last UpdatedMay 17, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (5 years & newer)
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Auto Loan
6.75%
48 Months
▼
APR6.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Used Auto Loans
6.75%
5-Year
▼
APR6.75%
Term5-Year
Last UpdatedMay 22, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
Used Auto Loans Vehicle Year: 2022
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
Used Auto Loans Vehicle Year: 2023-2024
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Used Auto Loans
7.00%
6-Year
▼
APR7.00%
Term6-Year
Last UpdatedMay 22, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
Used Auto Loans Vehicle Year: 2021
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedMay 17, 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
7.25%
7 years
▼
APR7.25%
Term7 years
Last UpdatedMay 17, 2026
Details
As Low As
Maui Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Auto
7.25%
90 Months
▼
APR7.25%
Term90 Months
Last UpdatedMay 17, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Auto Loan
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Auto Loan
7.50%
7 Years
▼
APR7.50%
Term7 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Auto Loan
7.50%
7 years
▼
APR7.50%
Term7 years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
Used Auto Loans
7.75%
84 Months
▼
APR7.75%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Pre-Owned Autos
7.75%
78 Months
▼
APR7.75%
Term78 Months
Last UpdatedMay 20, 2026
Details
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.
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Older Used Auto Loan
7.75%
48 Months
▼
APR7.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Auto Loan
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Hamakua Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
Pre-owned Autos
8.00%
Up to 72 Months
▼
APR8.00%
TermUp to 72 Months
Last UpdatedMay 17, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Used Auto Loans
8.00%
7-Year
▼
APR8.00%
Term7-Year
Last UpdatedMay 22, 2026
Details
As Low As; Ask about our Auto Loan rate match
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Non-purchased Used Auto Loan
8.50%
Up to 3 Years
▼
APR8.50%
TermUp to 3 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Non-purchased Used Auto Loan
8.75%
4 Years
▼
APR8.75%
Term4 Years
Last UpdatedMay 17, 2026
Details
As Low As
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
Used Auto Loans
8.75%
54 Months
▼
APR8.75%
Term54 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Non-purchased Used Auto Loan
9.75%
5 Years
▼
APR9.75%
Term5 Years
Last UpdatedMay 17, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Used Auto (3 to 5 Years Old)
17.49%
60 Months
▼
APR17.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
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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
5.588%
▼ 0.010 vs 7 days ago
Hawaii new auto rates fell 0.010 points over the past 7 days to 5.588% APR.
Used Auto Loan — HI Avg
6.280%
▲ 0.051 vs 7 days ago
Hawaii used auto rates rose 0.051 points over the past 7 days to 6.280% APR.
As of May 26, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Kahuku, 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 Kahuku, 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 Kahuku, Hawaii. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in HI.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in 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)
- HawaiiUSA Federal Credit Union: 3.75% (New Auto Loans)
- Hawaii County Employees Federal Credit Union: 4.00% (USED AUTO)
- Hamakua Federal Credit Union: 4.24% (New Autos)
- HOCU Honolulu Federal Credit Union: 4.25% (Auto Loans)
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: May 23, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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