Auto Loan Rates in Pepeekeo, Hawaii (HI) for June 2026
Brian McKay
Brian McKay
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Current auto loan rates in Pepeekeo, Hawaii include Hamakua Federal Credit UnionHamakua Federal Credit Union28 490 Kaakepa Street, Pepeekeo, HI, 96783A5.0 ★Texas Ratio: 8.60% offering New Autos at 4.24%, 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 Auto Loan at 3.80%, Aloha Pacific Federal Credit UnionAloha Pacific Federal Credit UnionA+5.0 ★Texas Ratio: 3.22% offering New Auto Loan at 3.99%, 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 June 16, 2026 according to verified data from MonitorBankRates.
Pepeekeo has 1 local institution in our database, with auto loan rates as low as 4.24% APR from Hamakua Federal Credit Union at 28 490 Kaakepa Street, Pepeekeo, HI, 96783. 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 Pepeekeo, Hawaii. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Pepeekeo, Hawaii & Surrounding Area
Pepeekeo Auto Loan Rates
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As Low As
APR*
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
APR*
As Low As
As Low As
Up to 120% of invoice or MSRP (whichever is less).
As Low As
Rates are subject to change without notice. Rates are effective as of September 25, 2023. *Annual Percentage Rate.
APR*
Up to 120% of invoice or MSRP (whichever is less).
New car must be an electric or hybrid vehicle powered by alternative fuels.
As Low As
Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
As Low As
Up to 120% of invoice or MSRP (whichever is less).
New car must be an electric or hybrid vehicle powered by alternative fuels.
Starting at 4.75%
Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
Up to 120% of invoice or MSRP (whichever is less).
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Starting at 5.00%
Starting at 5.00%
100% of invoice
Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
As Low As
Rates are subject to change without notice. Rates are effective as of September 25, 2023. *Annual Percentage Rate.
APR*
As Low As
As Low As
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As
Starting at 5.25%
100% of invoice
As Low As; Contact us about rates
As Low As
As Low As; *
As Low As
As Low As
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Starting at 5.50%
As Low As
As Low As
100% of invoice
As Low As; Ask about our Auto Loan rate match program!
As low as 5.65% APR. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account. Without this, the APR will be 0.25% higher, potentially increasing monthly payments. Final APR depends on creditworthiness and may vary. Rates subject to change. Must be a Hawaii resident. Rates effective 06/01/2026.
APR as low as1
As Low As
As Low As
As Low As
As Low As
APR as low as1
As Low As
As Low As
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
As Low As; Ask about our Auto Loan rate match program!
APR as low as1
APR as low as1
As Low As
As Low As
As Low As
As Low As
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
New car must be an electric or hybrid vehicle powered by alternative fuels.
Vehicles up to blue book
As Low As; Ask about our Auto Loan rate match program!
Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As; *
As Low As
As Low As
As Low As
As Low As
As Low As
Up to 120% of invoice or MSRP (whichever is less).
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Starting at 6.25%
Starting at 6.25%
As Low As; *
As Low As
As Low As
As Low As
As Low As; Based on Kelley Blue Book Value
As Low As; Ask about our Auto Loan rate match program!
As Low As; Ask about our Auto Loan rate match
1APR as low as
1
As Low As
1APR as low as
Rates are subject to change without notice. Rates are effective as of September 25, 2023. *Annual Percentage Rate.
As Low As; Ask about our Auto Loan rate match
1APR as low as
1APR as low as
As Low As
APR as low as1
As Low As
As Low As; Based on Kelley Blue Book Value
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
Starting at 7.25%
As Low As
As Low As
As Low As
As Low As; Based on Kelley Blue Book Value
As Low As
1APR as low as
As Low As; Ask about our Auto Loan rate match program!
As Low As
As Low As; 7 years & older
As Low As; Based on Kelley Blue Book Value
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
As Low As
Pepeekeo New Auto Auto Loan Rates
**
As Low As
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
As Low As
As Low As
Rates are subject to change without notice. Rates are effective as of September 25, 2023. *Annual Percentage Rate.
New car must be an electric or hybrid vehicle powered by alternative fuels.
As Low As
Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
New car must be an electric or hybrid vehicle powered by alternative fuels.
Starting at 4.75%
Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Starting at 5.00%
100% of invoice
Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
Rates are subject to change without notice. Rates are effective as of September 25, 2023. *Annual Percentage Rate.
As Low As
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
100% of invoice
As Low As; Contact us about rates
As Low As
As Low As; *
As Low As
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As
100% of invoice
As Low As; Ask about our Auto Loan rate match program!
APR as low as1
As Low As
As Low As
As Low As
APR as low as1
As Low As
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
As Low As; Ask about our Auto Loan rate match program!
APR as low as1
APR as low as1
As Low As
As Low As
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
New car must be an electric or hybrid vehicle powered by alternative fuels.
As Low As; Ask about our Auto Loan rate match program!
Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
As Low As
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
Starting at 6.25%
As Low As; *
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match program!
1
As Low As
Rates are subject to change without notice. Rates are effective as of September 25, 2023. *Annual Percentage Rate.
As Low As
APR as low as1
As Low As
As Low As
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
Pepeekeo Used Auto Auto Loan Rates
**
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
APR*
As Low As
APR*
Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
Starting at 5.00%
Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
APR*
As Low As
As Low As
Starting at 5.25%
As Low As; Contact us about rates
As Low As
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
Starting at 5.50%
As Low As
As Low As
As Low As
As Low As
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
As Low As
As Low As
As Low As
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
Vehicles up to blue book
Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As; *
As Low As
As Low As
As Low As
Starting at 6.25%
As Low As
As Low As; Based on Kelley Blue Book Value
As Low As; Ask about our Auto Loan rate match
1APR as low as
1
1APR as low as
As Low As; Ask about our Auto Loan rate match
1APR as low as
1APR as low as
As Low As
As Low As; Based on Kelley Blue Book Value
As Low As; Ask about our Auto Loan rate match
As Low As; Ask about our Auto Loan rate match
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
Starting at 7.25%
As Low As
As Low As; Based on Kelley Blue Book Value
As Low As
1APR as low as
As Low As; 7 years & older
As Low As; Based on Kelley Blue Book Value
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As
As Low As
Pepeekeo, HI Auto Loan Rate Trends
Compare local Pepeekeo, HI auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Hawaii new auto rates rose 0.307 points over the past 7 days to 5.578% APR.
Hawaii used auto rates rose 0.015 points over the past 7 days to 6.110% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Pepeekeo, 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 Pepeekeo, 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 Pepeekeo, 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 Pepeekeo, Hawaii
How does my credit score affect my car loan rate in Hawaii?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Pepeekeo, Hawaii?
- Hamakua Federal Credit Union: 4.24% (New Autos)
- HawaiiUSA Federal Credit Union: 3.75% (New Auto Loans)
- Hawaii County Employees Federal Credit Union: 3.80% (Auto Loan)
- Aloha Pacific Federal Credit Union: 3.99% (New Auto Loan)
- HOCU Honolulu Federal Credit Union: 4.25% (Auto Loans)
