Auto Loan Rates in Waimanalo, Hawaii (HI) for June 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 Waimanalo, Hawaii. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Waimanalo, Hawaii include HAWAIIAN ELECTRIC EMPLOYEESHAWAIIAN ELECTRIC EMPLOYEESA+5.0 ★Texas Ratio: 1.30% offering Used Auto Loans Special at 3.70%, 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%, Ko`olau Federal Credit UnionKo`olau Federal Credit UnionA+5.0 ★Texas Ratio: 3.02% offering New Auto at 4.49%, Valley Isle Community Federal Credit UnionValley Isle Community Federal Credit UnionA+5.0 ★Texas Ratio: 1.41% offering New Auto Loans at 4.75%, Schofield Federal Credit UnionSchofield Federal Credit UnionA+5.0 ★Texas Ratio: 0.10% offering New Auto Loan at 5.25%. Auto loan rates as of June 1, 2026 according to verified data from MonitorBankRates.
Waimanalo borrowers have access to 6 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 Waimanalo, Hawaii. Auto Loan Rates Last Updated and Verified: June 1, 2026
Compare Auto Loan Rates Today in Waimanalo, Hawaii & Surrounding Area
Waimanalo 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 Special
3.70%
2 & 3 Years
▼
APR3.70%
Term2 & 3 Years
Last UpdatedJun 1, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto Loans Special
3.75%
4 Years
▼
APR3.75%
Term4 Years
Last UpdatedJun 1, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto Loans Special
4.00%
5 Years
▼
APR4.00%
Term5 Years
Last UpdatedJun 1, 2026
Details
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
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 29, 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
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
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
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 29, 2026
Details
As Low As
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
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto Loans Special
5.00%
6 Years
▼
APR5.00%
Term6 Years
Last UpdatedJun 1, 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 29, 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 29, 2026
Details
As Low As
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 29, 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%
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 29, 2026
Details
As Low As
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 29, 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
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedMay 29, 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 29, 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 29, 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%
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
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 29, 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 29, 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
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 29, 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 29, 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 29, 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 29, 2026
Details
As Low As
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 29, 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 29, 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 29, 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 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
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
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 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (5 years & newer)
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedMay 29, 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 29, 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 29, 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 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
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 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
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 29, 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 29, 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 29, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
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 29, 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 29, 2026
Details
As Low As
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 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Used Auto (3 to 5 Years Old)
17.49%
60 Months
▼
APR17.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
Powered by
MonitorBankRates
Waimanalo New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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
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 29, 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
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
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 29, 2026
Details
As Low As
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 29, 2026
Details
As Low As
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 29, 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
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 29, 2026
Details
As Low As
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 29, 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
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedMay 29, 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 29, 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 29, 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%
Used Auto (5 years & newer)
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 29, 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 29, 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 29, 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 29, 2026
Details
As Low As
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 29, 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 29, 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
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 29, 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 29, 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
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 29, 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 29, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Powered by
MonitorBankRates
Waimanalo 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 Special
3.70%
2 & 3 Years
▼
APR3.70%
Term2 & 3 Years
Last UpdatedJun 1, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto Loans Special
3.75%
4 Years
▼
APR3.75%
Term4 Years
Last UpdatedJun 1, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto Loans Special
4.00%
5 Years
▼
APR4.00%
Term5 Years
Last UpdatedJun 1, 2026
Details
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
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
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
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 29, 2026
Details
As Low As
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
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto Loans Special
5.00%
6 Years
▼
APR5.00%
Term6 Years
Last UpdatedJun 1, 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 29, 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%
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 29, 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
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 29, 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 29, 2026
Details
As Low As
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 29, 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 29, 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 29, 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 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
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
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 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto (5 years & newer)
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedMay 29, 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 29, 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 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
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 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
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 29, 2026
Details
As Low As
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 29, 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 29, 2026
Details
As Low As
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 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
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
Waimanalo, HI Auto Loan Rate Trends
Compare local Waimanalo, 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
5.590%
Unchanged vs 7 days ago
Hawaii new auto loan rates currently average 5.590% APR.
Used Auto Loan — HI Avg
6.293%
Unchanged vs 7 days ago
Hawaii used auto loan rates currently average 6.293% APR.
As of Jun 9, 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 Waimanalo, 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 Waimanalo, 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 Waimanalo, 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 Waimanalo, 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 Waimanalo, 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 Waimanalo, 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 Waimanalo, Hawaii?
Based on our current data, some of the lowest auto loan rates available in Waimanalo, Hawaii include:
- HAWAIIAN ELECTRIC EMPLOYEES: 3.70% (Used Auto Loans Special)
- Garden Island Federal Credit Union: 4.49% (New Auto and Used Auto (2 Years Old))
- Ko`olau Federal Credit Union: 4.49% (New Auto)
- Valley Isle Community Federal Credit Union: 4.75% (New Auto Loans)
- Schofield Federal Credit Union: 5.25% (New Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Waimanalo, Hawaii. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 1, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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