Auto Loan Rates in Waialua, Hawaii (HI) for July 2026
Brian McKay
Brian McKay
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Current auto loan rates in Waialua, Hawaii include Hamakua Federal Credit UnionHamakua Federal Credit UnionA5.0 ★Texas Ratio: 8.60% offering New Autos at 4.24%, Ko`olau Federal Credit UnionKo`olau Federal Credit UnionA+5.0 ★Texas Ratio: 3.02% offering New Auto at 4.49%, Garden Island Federal Credit UnionGarden Island Federal Credit UnionA+5.0 ★Texas Ratio: 2.31% offering New Auto and Used Auto (2 Years Old) at 4.49%, Maui County Federal Credit UnionMaui County Federal Credit UnionA5.0 ★Texas Ratio: 6.48% offering New Auto up to 4 years old at 4.50%, Hawaii Central Federal Credit UnionHawaii Central Federal Credit UnionA5.0 ★Texas Ratio: 11.94% offering New & Used Auto Loans at 4.50%. Auto loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Waialua borrowers have access to 9 lenders serving the Hawaii area, with auto loan rates as low as 4.24% APR from Hamakua Federal Credit Union. 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 Waialua, Hawaii. Auto Loan Rates Last Updated and Verified: July 25, 2026
Compare Auto Loan Rates Today in Waialua, Hawaii & Surrounding Area
Waialua Auto Loan Rates
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As Low As; New Auto loan
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.
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; Used Auto loan
Starting at 5.00%
Starting at 5.00%
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; New Auto loan
As Low As; Used Auto loan
As Low As
Starting at 5.25%
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As Low As; *
As Low As; New Auto loan
Starting at 5.50%
As Low As
As low as; Ask about our Auto Loan rate match program!
As Low As; New Auto loan
As Low As; Used Auto loan
As low as; Ask about our Auto Loan rate match program!
As Low As; Used Auto loan
As Low As; Used Auto loan
As Low As
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; New Auto loan
As Low As; Used Auto loan
As Low As; Used Auto loan
Starting at 6.25%
Starting at 6.25%
As Low As; *
As low as; Ask about our Auto Loan rate match program!
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; Used Auto loan
As Low As
As low as; Ask about our Auto Loan rate match
As Low As
As low as; Ask about our Auto Loan rate match
Starting at 7.25%
As Low As
As Low As
As low as; Ask about our Auto Loan rate match program!
As Low As
As Low As
As low as; Ask about our Auto Loan rate match
As Low As
Waialua New Auto Auto Loan Rates
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As Low As; New Auto loan
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.
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; Used Auto loan
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; New Auto loan
As Low As; *
As Low As; New Auto loan
As low as; Ask about our Auto Loan rate match program!
As Low As; New Auto loan
As Low As; Used Auto loan
As low as; Ask about our Auto Loan rate match program!
As Low As; Used Auto loan
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; New Auto loan
As Low As; Used Auto loan
Starting at 6.25%
As Low As; *
As low as; Ask about our Auto Loan rate match program!
As Low As; Used Auto loan
As low as; Ask about our Auto Loan rate match program!
Waialua Used Auto Auto Loan Rates
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.
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; Used Auto loan
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; Used Auto loan
As Low As
Starting at 5.25%
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Starting at 5.50%
As Low As; Used Auto loan
As Low As; Used Auto loan
As Low As; Used Auto loan
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; Used Auto loan
As Low As; Used Auto loan
Starting at 6.25%
As low as; Ask about our Auto Loan rate match
As low as; Ask about our Auto Loan rate match
As Low As; Used Auto loan
As low as; Ask about our Auto Loan rate match
As low as; Ask about our Auto Loan rate match
Starting at 7.25%
As low as; Ask about our Auto Loan rate match
Waialua, HI Auto Loan Rate Trends
Compare local Waialua, 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 loan rates currently average 4.858% APR.
Hawaii used auto rates rose 0.048 points over the past 7 days to 5.500% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Waialua, 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 Waialua, 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 Waialua, 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 Waialua, 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 Waialua, Hawaii?
- Hamakua Federal Credit Union: 4.24% (New Autos)
- Ko`olau Federal Credit Union: 4.49% (New Auto)
- Garden Island Federal Credit Union: 4.49% (New Auto and Used Auto (2 Years Old))
- Maui County Federal Credit Union: 4.50% (New Auto up to 4 years old)
- Hawaii Central Federal Credit Union: 4.50% (New & Used Auto Loans)
