Waialua, Hawaii Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Waialua, Hawaii auto loan rates from lenders serving Hawaii range from 3.00% to 6.25% APR, verified by MonitorBankRates as of October 23, 2026. Current auto loan rates in Waialua, Hawaii include Lanai Federal Credit UnionLanai Federal Credit UnionA+5.0 ★Texas Ratio: 1.09%Rate verified Oct 23, 2026 offering New Auto Loan - Platinum at 3.00%, Kauai Teachers Federal Credit UnionKauai Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 3.68%Rate verified Oct 23, 2026 offering New Auto at 3.50%, HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit UnionA+5.0 ★Texas Ratio: 2.02%Rate verified Oct 23, 2026 offering New Auto Loans at 3.75%, Hawaiian Financial Federal Credit UnionHawaiian Financial Federal Credit UnionA+5.0 ★Texas Ratio: 2.38%Rate verified Oct 23, 2026 offering New Auto Loan at 4.00%, Lokahi Federal Credit UnionLokahi Federal Credit UnionA+5.0 ★Texas Ratio: 2.16%Rate verified Oct 23, 2026 offering New Auto Loan at 4.00%. Auto loan rates as of October 23, 2026 according to verified data from MonitorBankRates.
Waialua borrowers have access to 28 lenders serving the Hawaii area, with auto loan rates as low as 3.00% APR from Lanai Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so 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: October 23, 2026
Compare Auto Loan Rates Today in Waialua, Hawaii & Surrounding Area
Waialua Auto Loan Rates
Credit Score: 730+; Collateral Value: 100% LTV
Grade: Platinum; Collateral Value: 100% LTV
As Low As; Loan Amount: 100% Financing
Credit Score: 730+; Collateral Value: 100% LTV
As Low As
Credit Score: 730+; Collateral Value: 100% LTV
Grade: Platinum; Collateral Value: 100% LTV
As Low As; APR disclosed is the lowest rate available for a 36-month term; includes 0.25% discount for electric and hybrid vehicles
APR is the best rate based on a 36-month term for a New Auto with a 20% or more down payment; higher rates may apply by term, collateral, and credit
Term: Up to 4 Years (48 months); Used auto, Finance - Low Blue Book; Effective September 25, 2023; Model year plus loan term shall not be greater than 10 years
As Low As; Loan Amount: Up to 100% Financing of Kelly Blue Book Retail Value
Credit Score: 730+; Collateral Value: 100% LTV
Credit Score: 729-680; Collateral Value: 100% LTV
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
Special rate
As Low As
As Low As
As Low As; Max Loan: No Maximum; Remarks: Up to 120% of invoice or MSRP (whichever is less)
As Low As; Loan rates as low as 4.25% APR; Rate based on applicant's creditworthiness; Financing up to 100% of the invoice price; Apply online or in branch not specified
Grade: Platinum; Collateral Value: 100% LTV
Grade: Preferred; Collateral Value: 100% LTV
As Low As; includes 25 basis point reduction for automatic payment; Rate may vary based on individual creditworthiness
- Oct 4, 20264.25%▼ from 5.25%
- Sep 12, 20265.25%first recorded
Special rate
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less
Published APR range: 4.49% - 17.49%. APR range; actual rate based on credit history, loan term and year of vehicle
As Low As; additional 0.25% discount for hybrid/electric vehicles
APR is the best rate based on a 36-month term for a New Auto with a 20% or more down payment; higher rates may apply by term, collateral, and credit
Term: Up to 5 Years (60 months); 100% Financing; Model year plus loan term shall not be greater than 10 years; applies to current-year model with less than 5,000 miles; loans must be disbursed not later than 1 month from approval; rate based on creditworthiness and term; NEW AUTO - September 25, 2023
Term: Up to 5 Years (60 months); Used auto, Finance - Low Blue Book; Effective September 25, 2023; Model year plus loan term shall not be greater than 10 years
Max Loan: No Maximum; Remarks: New car must be an electric or hybrid vehicle powered by alternative fuels.; Vehicle must be licensed and registered in the State of Hawaii.
- Oct 23, 20264.50%▼ from 4.75%
- Sep 16, 20264.75%first recorded
As Low As; Max Loan: No Maximum; Remarks: Up to 120% of invoice or MSRP (whichever is less)
As Low As; APR shown is for the lowest available rate for a 5 year term for new autos; Valid from 1/1/26
As Low As; Loan rates as low as 4.50% APR; Rate based on applicant's creditworthiness; Financing up to 100% of Kelley Blue Book retail value; Used autos must not be more than 6 years old
Promotion (Subject to change)
- Sep 25, 20264.50%▼ from 5.50%
- Sep 16, 20265.50%first recorded
Term: 6.5 Years (78 months); Credit Score: 730+; Collateral Value: 100% LTV
Credit Score: 729-680; Collateral Value: 100% LTV
Special rate
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.59%▲ from 4.29%
- Sep 30, 20264.29%first recorded
APR* footnote: APR = Annual Percentage Rate
- Oct 19, 20264.70%▲ from 3.70%
- Sep 14, 20263.70%first recorded
As Low As; additional 0.25% discount for hybrid/electric vehicles
APR is the best rate based on a 36-month term for a New Auto with a 20% or more down payment; higher rates may apply by term, collateral, and credit
As Low As
As Low As
Max Loan: No Maximum; Remarks: New car must be an electric or hybrid vehicle powered by alternative fuels.; Vehicle must be licensed and registered in the State of Hawaii.
- Oct 23, 20264.75%▼ from 5.00%
- Sep 16, 20265.00%first recorded
As Low As; Max Loan: No Maximum; Remarks: Up to 120% of invoice or MSRP (whichever is less)
- Oct 23, 20264.75%▲ from 4.50%
- Oct 15, 20264.50%▼ from 4.75%
- Oct 15, 20264.75%first recorded
Max Loan: No Maximum; Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.; Fixed APR; Rates "as low as" based on creditworthiness
- Oct 23, 20264.75%▲ from 4.25%
- Oct 15, 20264.25%▼ from 4.75%
- Oct 15, 20264.75%▲ from 4.25%
- Oct 12, 20264.25%▼ from 4.75%
As Low As; Based on JD Power Value
Credit Score: 729-680; Collateral Value: 100% LTV
Grade: Platinum; Collateral Value: 100% LTV
Grade: Preferred; Collateral Value: 100% LTV
Published APR range: 4.75% - 13.75%. 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; final loan rate determined by overall credit score based upon Equifax Beacon Score
Purchase; Auto Loan Rates
APR* footnote: APR = Annual Percentage Rate
- Oct 19, 20264.75%▲ from 3.75%
- Sep 14, 20263.75%first recorded
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.89%▲ from 4.59%
- Sep 30, 20264.59%first recorded
As Low As; Up to 100% financing; APR includes 0.25% discount for automatic payments from a Hawaii State FCU checking account; Hawaii residents only
- Oct 23, 20264.90%▼ from 5.95%
- Sep 16, 20265.95%first recorded
As Low As; Final rate based on credit score
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less
Published APR range: 4.99% - 17.49%. APR range; actual rate based on credit history, loan term and year of vehicle
APR range: 4.99% - 17.49%; Actual rate based on credit history, loan term and year of vehicle
Financing up to 125% for current and prior model year; As low as; rates effective May 14, 2026
Financing up to 125% for current and prior model year; As low as; rates effective May 14, 2026
110% financing; As low as; rates effective May 14, 2026
110% financing; As low as; rates effective May 14, 2026
As Low As; additional 0.25% discount for hybrid/electric vehicles; maximum vehicle age 6 years
Loan amount: $15,000+; APR is the best rate based on a 36-month term for a New Auto with a 20% or more down payment; higher rates may apply by term, collateral, and credit
As Low As; Max Loan: No Maximum; Remarks: Up to 120% of invoice or MSRP (whichever is less)
- Oct 23, 20265.00%▲ from 4.75%
- Oct 15, 20264.75%▼ from 5.00%
- Oct 15, 20265.00%first recorded
Max Loan: No Maximum; Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.; Fixed APR; Rates "as low as" based on creditworthiness
- Oct 23, 20265.00%▲ from 4.50%
- Oct 15, 20264.50%▼ from 5.00%
- Oct 15, 20265.00%▲ from 4.50%
- Oct 12, 20264.50%▼ from 5.00%
As Low As; Rates effective as of October 22, 2026; Annual Percentage Rate (APR)
As Low As; Rates effective as of October 22, 2026; Annual Percentage Rate (APR)
As Low As; Rates effective as of October 22, 2026; Annual Percentage Rate (APR)
As Low As; Rates effective as of October 22, 2026; Annual Percentage Rate (APR)
As Low As; Rates effective as of October 22, 2026; Annual Percentage Rate (APR)
- Oct 23, 20265.00%▼ from 5.50%
- Oct 15, 20265.50%first recorded
Additional APR listed for this product: 6.75%. As Low As; APR* As Low As
Additional APR listed for this product: 6.75%. As Low As; APR* As Low As
Additional APR listed for this product: 7.00%. As Low As; APR* As Low As
Additional APR listed for this product: 7.25%. As Low As; APR* As Low As
As Low As; APR* As Low As
- Sep 25, 20265.00%▼ from 5.50%
- Sep 16, 20265.50%first recorded
As Low As; Based on JD Power Value
As Low As; Based on JD Power Value
100% of invoice
Credit Score: 729-680; Collateral Value: 100% LTV
Purchase; Auto Loan Rates
- Oct 6, 20265.00%▲ from 4.50%
- Sep 18, 20264.50%first recorded
APR* footnote: APR = Annual Percentage Rate
- Oct 19, 20265.00%▲ from 4.00%
- Sep 14, 20264.00%first recorded
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.09%▲ from 4.79%
- Sep 30, 20264.79%first recorded
As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less
As Low As; Rates higher for terms greater than 36 months
As Low As; Rates higher for terms greater than 36 months
As Low As; Vehicle age 6-10 years old; Lowest rates based on term of 36 months or less and LTV of 120% or less
Financing up to 125% for current and prior model year; As low as; rates effective May 14, 2026; terms of 72 months or longer require a minimum loan of $25,000
110% financing; As low as; rates effective May 14, 2026; terms of 72 months or longer require a minimum loan of $25,000
As Low As; additional 0.25% discount for hybrid/electric vehicles
As Low As; additional 0.25% discount for hybrid/electric vehicles; maximum vehicle age 6 years
Term: Up to 6 Years (72 months); 100% Financing; Model year plus loan term shall not be greater than 10 years; applies to current-year model with less than 5,000 miles; loans must be disbursed not later than 1 month from approval; rate based on creditworthiness and term; NEW AUTO - September 25, 2023
Term: Up to 6 Years (72 months); Used auto, Finance - Low Blue Book; Effective September 25, 2023; Model year plus loan term shall not be greater than 10 years
As Low As
As Low As
Max Loan: No Maximum; Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.; Fixed APR; Rates "as low as" based on creditworthiness
- Oct 23, 20265.25%▲ from 4.75%
- Oct 15, 20264.75%▼ from 5.25%
- Oct 15, 20265.25%▲ from 4.75%
- Oct 12, 20264.75%▼ from 5.25%
As Low As; APR shown is for the lowest available rate for a 3 year term for used autos; Valid from 1/1/26
As Low As; Based on JD Power Value
Grade: Preferred; Collateral Value: 100% LTV
As Low As; includes 25 basis point reduction for automatic payment; Rate may vary based on individual creditworthiness
- Oct 4, 20265.25%▼ from 6.25%
- Sep 12, 20266.25%first recorded
As Low As; based on Kelly Blue Book Value; includes 25 basis point reduction for automatic payment; Rate may vary based on individual creditworthiness
- Oct 4, 20265.25%▼ from 6.25%
- Sep 20, 20266.25%first recorded
Purchase; Auto Loan Rates
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less
Published APR range: 5.49% - 17.49%. APR range; actual rate based on credit history, loan term and year of vehicle
APR range: 5.49% - 17.49%; Actual rate based on credit history, loan term and year of vehicle
APR range: 5.49% - 15.99%; Actual rate based on borrower's credit history, loan term and year of vehicle; Used Auto Equity (vehicle equity loan)
As Low As; additional 0.25% discount for hybrid/electric vehicles; maximum vehicle age 6 years
APR disclosed is the best rate available based on a 36-month term for a Used Auto with a down payment of 20% or more.
As Low As; Rate shown for best credit with term indicated; Rate may be higher without automatic payment and direct deposit
As Low As; Payment example: 71 payments of $16.34, 1 of $16.26; Rates effective as of October 22, 2026
As Low As; APR* As Low As
- Oct 23, 20265.50%▲ from 5.00%
- Sep 16, 20265.00%first recorded
As Low As; Based on JD Power Value
As Low As; New Auto; 100% financing available
As Low As; 100% of Kelly Blue Book Lending Value
Credit Score: 730+; Collateral Value: 100% LTV
Term: 6.5 Years (78 months); Credit Score: 729-680; Collateral Value: 100% LTV
As Low As; Ask about our Auto Loan rate match program!
Purchase Refinance; Auto Loan Rates
As Low As; Rate effective as of August 20, 2026; includes 0.25% interest rate discount for any automatic loan payment (discount offer good at time of closing only); 6 and 7 year financing available only for automobiles priced $20,000 or more
- Oct 6, 20265.50%▲ from 5.00%
- Sep 18, 20265.00%first recorded
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.59%▲ from 5.29%
- Sep 30, 20265.29%first recorded
As Low As; Up to 100% financing; APR includes 0.25% discount for automatic payments from a Hawaii State FCU checking account; Hawaii residents only
As Low As; Up to 100% financing; APR includes 0.25% discount for automatic payments from a Hawaii State FCU checking account; Hawaii residents only
- Oct 23, 20265.65%▼ from 6.70%
- Sep 16, 20266.70%first recorded
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.69%▲ from 5.39%
- Sep 30, 20265.39%first recorded
As Low As; Rates higher for terms greater than 36 months
As Low As; Rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less
As Low As; Rates higher for terms greater than 36 months
As Low As; Rates higher for terms greater than 36 months
As Low As; Vehicle age 6-10 years old; Rates higher for terms greater than 36 months
As Low As; additional 0.25% discount for hybrid/electric vehicles; maximum vehicle age 6 years
As Low As; Up to 100% financing; APR includes 0.25% discount for automatic payments from a Hawaii State FCU checking account; Hawaii residents only
Loan amount: $20,000+; APR is the best rate based on a 36-month term for a New Auto with a 20% or more down payment; higher rates may apply by term, collateral, and credit
APR disclosed is the best rate available based on a 36-month term for a Used Auto with a down payment of 20% or more.
Loan amount: $15,000+; APR disclosed is the best rate available based on a 36-month term for a Used Auto with a down payment of 20% or more.
As Low As
As Low As
As Low As; Final rate based on credit score
Grade: Preferred; Collateral Value: 100% LTV
Published APR range: 5.75% - 11.75%. 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; final loan rate determined by overall credit score based upon Equifax Beacon Score
As Low As; includes 25 basis point reduction for automatic payment; Rate may vary based on individual creditworthiness
- Oct 4, 20265.75%▼ from 6.75%
- Sep 12, 20266.75%first recorded
As Low As; based on Kelly Blue Book Value; includes 25 basis point reduction for automatic payment; Rate may vary based on individual creditworthiness
- Oct 4, 20265.75%▼ from 6.75%
- Sep 20, 20266.75%first recorded
As Low As; Ask about our Auto Loan rate match program!
Purchase Refinance; Auto Loan Rates
As Low As; Rate effective as of August 20, 2026; includes 0.25% interest rate discount for any automatic loan payment (discount offer good at time of closing only); 6 and 7 year financing available only for automobiles priced $20,000 or more
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; Up to 100% financing; APR includes 0.25% discount for automatic payments from a Hawaii State FCU checking account; Hawaii residents only
As Low As; Financing up to 125% of the Manufacturer's Suggested Retail Price; Membership requirements apply
As Low As; Vehicle Year: 2025
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less
As Low As; Vehicle age 6-10 years old; Lowest rates based on term of 36 months or less and LTV of 120% or less
APR range: 5.99% - 17.49%; Actual rate based on credit history, loan term and year of vehicle
APR range: 5.99% - 17.49%; 84 months term available for Used Autos 3 to 4 years old; Actual rate based on credit history, loan term and year of vehicle
Max Loan: No Maximum; Remarks: New car must be an electric or hybrid vehicle powered by alternative fuels.; Vehicle must be licensed and registered in the State of Hawaii.
- Oct 23, 20266.00%▼ from 6.25%
- Sep 16, 20266.25%first recorded
Max Loan: No Maximum; Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.; Fixed APR; Rates "as low as" based on creditworthiness
- Oct 23, 20266.00%▲ from 5.00%
- Oct 15, 20265.00%▼ from 6.00%
- Oct 15, 20266.00%▲ from 5.00%
- Oct 12, 20265.00%▼ from 6.00%
As Low As; Rates effective as of October 22, 2026; Annual Percentage Rate (APR)
- Oct 23, 20266.00%▼ from 6.50%
- Oct 15, 20266.50%▲ from 6.00%
- Oct 4, 20266.00%first recorded
As Low As; APR* As Low As
- Sep 25, 20266.00%▼ from 6.50%
- Sep 16, 20266.50%first recorded
Vehicles up to blue book
Credit Score: 679-620; Collateral Value: 100% LTV
As Low As; Ask about our Auto Loan rate match program!
Purchase; Auto Loan Rates
Purchase Refinance; Auto Loan Rates
As Low As; Rate effective as of August 20, 2026; includes 0.25% interest rate discount for any automatic loan payment (discount offer good at time of closing only); 6 and 7 year financing available only for automobiles priced $20,000 or more
APR* footnote: APR = Annual Percentage Rate
- Oct 19, 20266.00%▲ from 5.00%
- Sep 14, 20265.00%first recorded
As Low As; Rates higher for terms greater than 36 months
As Low As; Rates higher for terms greater than 36 months
As Low As; Vehicle age 6-10 years old; Lowest rates based on term of 36 months or less and LTV of 120% or less
As Low As; Vehicle age 6-10 years old; Rates higher for terms greater than 36 months
As Low As; Financing up to 125% of the Manufacturer's Suggested Retail Price; Membership requirements apply
As Low As; Vehicle Year: 2025
As Low As; Max Loan: No Maximum; Remarks: Up to 120% of invoice or MSRP (whichever is less)
- Oct 23, 20266.25%▲ from 6.00%
- Oct 15, 20266.00%▼ from 6.25%
- Oct 15, 20266.25%first recorded
As Low As; Rate shown for best credit with term indicated; Rate may be higher without automatic payment and direct deposit
As Low As; Based on JD Power Value; $25,000 minimum loan
As Low As; Based on JD Power Value
As Low As; New Auto; 100% financing available
As Low As; 100% of Kelly Blue Book Lending Value
Grade: Standard; Collateral Value: 100% LTV
As Low As; includes 25 basis point reduction for automatic payment; Rate may vary based on individual creditworthiness
- Oct 4, 20266.25%▼ from 7.25%
- Sep 12, 20267.25%first recorded
Waialua New Auto Auto Loan Rates
Credit Score: 730+; Collateral Value: 100% LTV
As Low As; Loan Amount: 100% Financing
Credit Score: 730+; Collateral Value: 100% LTV
As Low As
Credit Score: 730+; Collateral Value: 100% LTV
As Low As; APR disclosed is the lowest rate available for a 36-month term; includes 0.25% discount for electric and hybrid vehicles
APR is the best rate based on a 36-month term for a New Auto with a 20% or more down payment; higher rates may apply by term, collateral, and credit
Credit Score: 730+; Collateral Value: 100% LTV
Credit Score: 729-680; Collateral Value: 100% LTV
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
Special rate
As Low As
As Low As; Max Loan: No Maximum; Remarks: Up to 120% of invoice or MSRP (whichever is less)
As Low As; Loan rates as low as 4.25% APR; Rate based on applicant's creditworthiness; Financing up to 100% of the invoice price; Apply online or in branch not specified
As Low As; includes 25 basis point reduction for automatic payment; Rate may vary based on individual creditworthiness
- Oct 4, 20264.25%▼ from 5.25%
- Sep 12, 20265.25%first recorded
Special rate
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less
Published APR range: 4.49% - 17.49%. APR range; actual rate based on credit history, loan term and year of vehicle
As Low As; additional 0.25% discount for hybrid/electric vehicles
APR is the best rate based on a 36-month term for a New Auto with a 20% or more down payment; higher rates may apply by term, collateral, and credit
Term: Up to 5 Years (60 months); 100% Financing; Model year plus loan term shall not be greater than 10 years; applies to current-year model with less than 5,000 miles; loans must be disbursed not later than 1 month from approval; rate based on creditworthiness and term; NEW AUTO - September 25, 2023
As Low As; Max Loan: No Maximum; Remarks: Up to 120% of invoice or MSRP (whichever is less)
As Low As; APR shown is for the lowest available rate for a 5 year term for new autos; Valid from 1/1/26
Promotion (Subject to change)
- Sep 25, 20264.50%▼ from 5.50%
- Sep 16, 20265.50%first recorded
Term: 6.5 Years (78 months); Credit Score: 730+; Collateral Value: 100% LTV
Credit Score: 729-680; Collateral Value: 100% LTV
Special rate
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.59%▲ from 4.29%
- Sep 30, 20264.29%first recorded
As Low As; additional 0.25% discount for hybrid/electric vehicles
APR is the best rate based on a 36-month term for a New Auto with a 20% or more down payment; higher rates may apply by term, collateral, and credit
As Low As
As Low As; Max Loan: No Maximum; Remarks: Up to 120% of invoice or MSRP (whichever is less)
- Oct 23, 20264.75%▲ from 4.50%
- Oct 15, 20264.50%▼ from 4.75%
- Oct 15, 20264.75%first recorded
Max Loan: No Maximum; Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.; Fixed APR; Rates "as low as" based on creditworthiness
- Oct 23, 20264.75%▲ from 4.25%
- Oct 15, 20264.25%▼ from 4.75%
- Oct 15, 20264.75%▲ from 4.25%
- Oct 12, 20264.25%▼ from 4.75%
As Low As; Based on JD Power Value
Credit Score: 729-680; Collateral Value: 100% LTV
Purchase; Auto Loan Rates
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.89%▲ from 4.59%
- Sep 30, 20264.59%first recorded
As Low As; Up to 100% financing; APR includes 0.25% discount for automatic payments from a Hawaii State FCU checking account; Hawaii residents only
- Oct 23, 20264.90%▼ from 5.95%
- Sep 16, 20265.95%first recorded
As Low As; Final rate based on credit score
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less
Published APR range: 4.99% - 17.49%. APR range; actual rate based on credit history, loan term and year of vehicle
Financing up to 125% for current and prior model year; As low as; rates effective May 14, 2026
Financing up to 125% for current and prior model year; As low as; rates effective May 14, 2026
Loan amount: $15,000+; APR is the best rate based on a 36-month term for a New Auto with a 20% or more down payment; higher rates may apply by term, collateral, and credit
As Low As; Max Loan: No Maximum; Remarks: Up to 120% of invoice or MSRP (whichever is less)
- Oct 23, 20265.00%▲ from 4.75%
- Oct 15, 20264.75%▼ from 5.00%
- Oct 15, 20265.00%first recorded
Max Loan: No Maximum; Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.; Fixed APR; Rates "as low as" based on creditworthiness
- Oct 23, 20265.00%▲ from 4.50%
- Oct 15, 20264.50%▼ from 5.00%
- Oct 15, 20265.00%▲ from 4.50%
- Oct 12, 20264.50%▼ from 5.00%
As Low As; Rates effective as of October 22, 2026; Annual Percentage Rate (APR)
As Low As; Rates effective as of October 22, 2026; Annual Percentage Rate (APR)
As Low As; Rates effective as of October 22, 2026; Annual Percentage Rate (APR)
As Low As; Rates effective as of October 22, 2026; Annual Percentage Rate (APR)
As Low As; Rates effective as of October 22, 2026; Annual Percentage Rate (APR)
- Oct 23, 20265.00%▼ from 5.50%
- Oct 15, 20265.50%first recorded
As Low As; Based on JD Power Value
100% of invoice
Credit Score: 729-680; Collateral Value: 100% LTV
Purchase; Auto Loan Rates
- Oct 6, 20265.00%▲ from 4.50%
- Sep 18, 20264.50%first recorded
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less
As Low As; Rates higher for terms greater than 36 months
As Low As; Rates higher for terms greater than 36 months
Financing up to 125% for current and prior model year; As low as; rates effective May 14, 2026; terms of 72 months or longer require a minimum loan of $25,000
As Low As; additional 0.25% discount for hybrid/electric vehicles
Term: Up to 6 Years (72 months); 100% Financing; Model year plus loan term shall not be greater than 10 years; applies to current-year model with less than 5,000 miles; loans must be disbursed not later than 1 month from approval; rate based on creditworthiness and term; NEW AUTO - September 25, 2023
As Low As
Max Loan: No Maximum; Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.; Fixed APR; Rates "as low as" based on creditworthiness
- Oct 23, 20265.25%▲ from 4.75%
- Oct 15, 20264.75%▼ from 5.25%
- Oct 15, 20265.25%▲ from 4.75%
- Oct 12, 20264.75%▼ from 5.25%
As Low As; includes 25 basis point reduction for automatic payment; Rate may vary based on individual creditworthiness
- Oct 4, 20265.25%▼ from 6.25%
- Sep 12, 20266.25%first recorded
Purchase; Auto Loan Rates
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less
Published APR range: 5.49% - 17.49%. APR range; actual rate based on credit history, loan term and year of vehicle
As Low As; Rate shown for best credit with term indicated; Rate may be higher without automatic payment and direct deposit
As Low As; Payment example: 71 payments of $16.34, 1 of $16.26; Rates effective as of October 22, 2026
As Low As; New Auto; 100% financing available
Credit Score: 730+; Collateral Value: 100% LTV
Term: 6.5 Years (78 months); Credit Score: 729-680; Collateral Value: 100% LTV
As Low As; Ask about our Auto Loan rate match program!
- Oct 6, 20265.50%▲ from 5.00%
- Sep 18, 20265.00%first recorded
As Low As; Up to 100% financing; APR includes 0.25% discount for automatic payments from a Hawaii State FCU checking account; Hawaii residents only
As Low As; Rates higher for terms greater than 36 months
As Low As; Rates higher for terms greater than 36 months
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less
As Low As; Rates higher for terms greater than 36 months
As Low As; Rates higher for terms greater than 36 months
As Low As; Up to 100% financing; APR includes 0.25% discount for automatic payments from a Hawaii State FCU checking account; Hawaii residents only
Loan amount: $20,000+; APR is the best rate based on a 36-month term for a New Auto with a 20% or more down payment; higher rates may apply by term, collateral, and credit
As Low As
As Low As; Final rate based on credit score
As Low As; includes 25 basis point reduction for automatic payment; Rate may vary based on individual creditworthiness
- Oct 4, 20265.75%▼ from 6.75%
- Sep 12, 20266.75%first recorded
As Low As; Ask about our Auto Loan rate match program!
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; Up to 100% financing; APR includes 0.25% discount for automatic payments from a Hawaii State FCU checking account; Hawaii residents only
As Low As; Financing up to 125% of the Manufacturer's Suggested Retail Price; Membership requirements apply
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less
Max Loan: No Maximum; Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.; Fixed APR; Rates "as low as" based on creditworthiness
- Oct 23, 20266.00%▲ from 5.00%
- Oct 15, 20265.00%▼ from 6.00%
- Oct 15, 20266.00%▲ from 5.00%
- Oct 12, 20265.00%▼ from 6.00%
As Low As; Rates effective as of October 22, 2026; Annual Percentage Rate (APR)
- Oct 23, 20266.00%▼ from 6.50%
- Oct 15, 20266.50%▲ from 6.00%
- Oct 4, 20266.00%first recorded
Credit Score: 679-620; Collateral Value: 100% LTV
As Low As; Ask about our Auto Loan rate match program!
Purchase; Auto Loan Rates
As Low As; Rates higher for terms greater than 36 months
As Low As; Rates higher for terms greater than 36 months
As Low As; Financing up to 125% of the Manufacturer's Suggested Retail Price; Membership requirements apply
As Low As; Max Loan: No Maximum; Remarks: Up to 120% of invoice or MSRP (whichever is less)
- Oct 23, 20266.25%▲ from 6.00%
- Oct 15, 20266.00%▼ from 6.25%
- Oct 15, 20266.25%first recorded
As Low As; Based on JD Power Value; $25,000 minimum loan
As Low As; New Auto; 100% financing available
As Low As; includes 25 basis point reduction for automatic payment; Rate may vary based on individual creditworthiness
- Oct 4, 20266.25%▼ from 7.25%
- Sep 12, 20267.25%first recorded
Waialua Used Auto Auto Loan Rates
Grade: Platinum; Collateral Value: 100% LTV
Grade: Platinum; Collateral Value: 100% LTV
Term: Up to 4 Years (48 months); Used auto, Finance - Low Blue Book; Effective September 25, 2023; Model year plus loan term shall not be greater than 10 years
As Low As; Loan Amount: Up to 100% Financing of Kelly Blue Book Retail Value
As Low As
Grade: Platinum; Collateral Value: 100% LTV
Grade: Preferred; Collateral Value: 100% LTV
Published APR range: 4.49% - 17.49%. APR range; actual rate based on credit history, loan term and year of vehicle
Term: Up to 5 Years (60 months); Used auto, Finance - Low Blue Book; Effective September 25, 2023; Model year plus loan term shall not be greater than 10 years
As Low As; Loan rates as low as 4.50% APR; Rate based on applicant's creditworthiness; Financing up to 100% of Kelley Blue Book retail value; Used autos must not be more than 6 years old
APR* footnote: APR = Annual Percentage Rate
- Oct 19, 20264.70%▲ from 3.70%
- Sep 14, 20263.70%first recorded
As Low As
Grade: Platinum; Collateral Value: 100% LTV
Grade: Preferred; Collateral Value: 100% LTV
APR* footnote: APR = Annual Percentage Rate
- Oct 19, 20264.75%▲ from 3.75%
- Sep 14, 20263.75%first recorded
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less
Published APR range: 4.99% - 17.49%. APR range; actual rate based on credit history, loan term and year of vehicle
APR range: 4.99% - 17.49%; Actual rate based on credit history, loan term and year of vehicle
110% financing; As low as; rates effective May 14, 2026
110% financing; As low as; rates effective May 14, 2026
As Low As; additional 0.25% discount for hybrid/electric vehicles; maximum vehicle age 6 years
As Low As; Based on JD Power Value
APR* footnote: APR = Annual Percentage Rate
- Oct 19, 20265.00%▲ from 4.00%
- Sep 14, 20264.00%first recorded
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.09%▲ from 4.79%
- Sep 30, 20264.79%first recorded
As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Vehicle age 6-10 years old; Lowest rates based on term of 36 months or less and LTV of 120% or less
110% financing; As low as; rates effective May 14, 2026; terms of 72 months or longer require a minimum loan of $25,000
As Low As; additional 0.25% discount for hybrid/electric vehicles; maximum vehicle age 6 years
Term: Up to 6 Years (72 months); Used auto, Finance - Low Blue Book; Effective September 25, 2023; Model year plus loan term shall not be greater than 10 years
As Low As
As Low As; APR shown is for the lowest available rate for a 3 year term for used autos; Valid from 1/1/26
As Low As; Based on JD Power Value
Grade: Preferred; Collateral Value: 100% LTV
As Low As; based on Kelly Blue Book Value; includes 25 basis point reduction for automatic payment; Rate may vary based on individual creditworthiness
- Oct 4, 20265.25%▼ from 6.25%
- Sep 20, 20266.25%first recorded
Published APR range: 5.49% - 17.49%. APR range; actual rate based on credit history, loan term and year of vehicle
APR range: 5.49% - 17.49%; Actual rate based on credit history, loan term and year of vehicle
APR range: 5.49% - 15.99%; Actual rate based on borrower's credit history, loan term and year of vehicle; Used Auto Equity (vehicle equity loan)
As Low As; additional 0.25% discount for hybrid/electric vehicles; maximum vehicle age 6 years
APR disclosed is the best rate available based on a 36-month term for a Used Auto with a down payment of 20% or more.
As Low As; Based on JD Power Value
As Low As; 100% of Kelly Blue Book Lending Value
Purchase Refinance; Auto Loan Rates
As Low As; Rate effective as of August 20, 2026; includes 0.25% interest rate discount for any automatic loan payment (discount offer good at time of closing only); 6 and 7 year financing available only for automobiles priced $20,000 or more
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.59%▲ from 5.29%
- Sep 30, 20265.29%first recorded
As Low As; Up to 100% financing; APR includes 0.25% discount for automatic payments from a Hawaii State FCU checking account; Hawaii residents only
- Oct 23, 20265.65%▼ from 6.70%
- Sep 16, 20266.70%first recorded
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.69%▲ from 5.39%
- Sep 30, 20265.39%first recorded
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less
As Low As; Rates higher for terms greater than 36 months
As Low As; Rates higher for terms greater than 36 months
As Low As; Vehicle age 6-10 years old; Rates higher for terms greater than 36 months
As Low As; additional 0.25% discount for hybrid/electric vehicles; maximum vehicle age 6 years
APR disclosed is the best rate available based on a 36-month term for a Used Auto with a down payment of 20% or more.
Loan amount: $15,000+; APR disclosed is the best rate available based on a 36-month term for a Used Auto with a down payment of 20% or more.
As Low As
Grade: Preferred; Collateral Value: 100% LTV
As Low As; based on Kelly Blue Book Value; includes 25 basis point reduction for automatic payment; Rate may vary based on individual creditworthiness
- Oct 4, 20265.75%▼ from 6.75%
- Sep 20, 20266.75%first recorded
Purchase Refinance; Auto Loan Rates
As Low As; Rate effective as of August 20, 2026; includes 0.25% interest rate discount for any automatic loan payment (discount offer good at time of closing only); 6 and 7 year financing available only for automobiles priced $20,000 or more
As Low As; Vehicle Year: 2025
As Low As; Lowest rates based on term of 36 months or less and LTV of 120% or less
As Low As; Vehicle age 6-10 years old; Lowest rates based on term of 36 months or less and LTV of 120% or less
APR range: 5.99% - 17.49%; Actual rate based on credit history, loan term and year of vehicle
APR range: 5.99% - 17.49%; 84 months term available for Used Autos 3 to 4 years old; Actual rate based on credit history, loan term and year of vehicle
Vehicles up to blue book
Purchase Refinance; Auto Loan Rates
As Low As; Rate effective as of August 20, 2026; includes 0.25% interest rate discount for any automatic loan payment (discount offer good at time of closing only); 6 and 7 year financing available only for automobiles priced $20,000 or more
APR* footnote: APR = Annual Percentage Rate
- Oct 19, 20266.00%▲ from 5.00%
- Sep 14, 20265.00%first recorded
As Low As; Rates higher for terms greater than 36 months
As Low As; Rates higher for terms greater than 36 months
As Low As; Vehicle age 6-10 years old; Lowest rates based on term of 36 months or less and LTV of 120% or less
As Low As; Vehicle age 6-10 years old; Rates higher for terms greater than 36 months
As Low As; Vehicle Year: 2025
As Low As; Rate shown for best credit with term indicated; Rate may be higher without automatic payment and direct deposit
As Low As; Based on JD Power Value
As Low As; 100% of Kelly Blue Book Lending Value
Grade: Standard; Collateral Value: 100% LTV
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 rates rose 0.086 points over the past 7 days to 5.140% APR.
Hawaii used auto rates rose 0.047 points over the past 7 days to 5.760% APR.
Waialua, HI Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Hawaii figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Hawaii APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.14% APR HI average | Used Auto @ 5.76% APR HI average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.03/mo | $288.32/mo | $4.29/mo |
| $25,000 | $473.38/mo | $480.54/mo | $7.16/mo |
| $35,000 | $662.73/mo | $672.76/mo | $10.02/mo |
| $45,000 | $852.09/mo | $864.97/mo | $12.88/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Waialua, Hawaii
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Waialua, Hawaii locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Hawaii. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Waialua, Hawaii high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Waialua, Hawaii CD rates lock in a guaranteed return until you’re ready to buy
Waialua, Hawaii Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $568 monthly car payment works out to roughly 16.2% of the median individual income in Waialua, Hawaii. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Waialua, Hawaii, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Waialua, Hawaii. We’ve prefilled the APR with today’s HI new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
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.
Bad Credit Auto Loans in Waialua, Hawaii
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
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?
Should I get preapproved for an auto loan before visiting a dealer in Waialua, Hawaii?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Waialua, Hawaii?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Waialua, Hawaii?
- Lanai Federal Credit Union: 3.00% (New Auto Loan - Platinum)
- Kauai Teachers Federal Credit Union: 3.50% (New Auto)
- HawaiiUSA Federal Credit Union: 3.75% (New Auto Loans)
- Hawaiian Financial Federal Credit Union: 4.00% (New Auto Loan)
- Lokahi Federal Credit Union: 4.00% (New Auto Loan)
Waialua, Hawaii Rates & Resources
