The Hawaii auto loan calculator estimate for a $35,000 new car with $3,500 down, financed over 60 months at today's MonitorBankRates Hawaii average new auto loan APR of 5.32% with the Hawaii vehicle sales tax of 4.00% and $300 in fees added to the loan, is a monthly car payment of about $631, or about $710 a month with the average Hawaii car insurance premium included, verified by MonitorBankRates as of September 24, 2026.
Lenders serving Hawaii currently advertise auto loan APRs from 3.00% to 3.75% across the 5 offers listed below. This calculator finances what a Hawaii dealer actually finances: the price minus your down payment and trade in, plus Hawaii sales tax (local rates can add to the state rate) and fees. The APR is today's MonitorBankRates Hawaii average; switch to used with one click or apply a verified lender APR from the panel below. The same loan at the Hawaii used car average of 6.08% costs about $643 a month.
Hawaii Car Payment Estimator
Prefilled with the MonitorBankRates Hawaii average APR, the Hawaii sales tax rate and average insurance. Results update as you type.
Where the amount financed comes from
| Vehicle price | $0 |
| Hawaii sales tax | $0 |
| Title, registration and fees | $0 |
| Down payment | $0 |
| Trade in | $0 |
| Amount financed | $0 |
Loan balance over time
Amortization schedule (yearly totals)
| Year | Principal Paid | Interest Paid | Ending Balance |
|---|
Current Hawaii Average Auto Loan Rates
Today's MonitorBankRates Hawaii averages first, then the lowest verified new and used offers from lenders serving Hawaii. Click any APR to run it through the calculator.
Auto Loan Offers in Hawaii and the Payment on a $35,000 Car
Monthly payment on the example loan ($33,200 financed after $3,500 down, Hawaii tax and fees) at each lender's advertised APR and term, from rate sheets published by the lender and verified by MonitorBankRates.
- Lanai Federal Credit UnionNew Auto Loans - Platinum3.00% APR$597 a month over 60 months
- Kauai Teachers Federal Credit UnionNew Auto3.50% APR$604 a month over 60 months
- HAWAIIAN ELECTRIC EMPLOYEESNew Auto Loans3.70% APR$607 a month over 60 months
- Lokahi Federal Credit UnionNew Autos3.75% APR$608 a month over 60 months
- HawaiiUSA Federal Credit UnionNew Auto Loans3.75% APR$608 a month over 60 months
Compare every new and used auto loan, local banks and credit unions first, on the Hawaii auto loan rates page.
View Your Hawaii Auto Loan Rate
Personalized auto loan offers from lenders serving Hawaii.
What a Car Loan Costs in Hawaii Right Now
| $35,000 new car, $3,500 down, Hawaii tax and fees: $33,200 financed at the MonitorBankRates Hawaii average of 5.32% | Monthly | Total interest |
|---|---|---|
| 36 months | $1,000 | $2,795 |
| 48 months | $769 | $3,733 |
| 60 months | $631 | $4,687 |
| 72 months | $540 | $5,656 |
| 84 months | $474 | $6,641 |
Hawaii sales tax adds $1,400 to a $35,000 car, which at 5.32% over 60 months is about $27 of the monthly payment. Hawaii charges tax on the full price, so a trade in does not reduce the tax bill. The Hawaii average APR of 5.32% is below the U.S. average of 5.88%. Add the average Hawaii car insurance premium of $79 a month and the car costs about $710 a month to keep on the road before fuel and maintenance, which is 8.5% of the Hawaii median household income of $100,389. Rates change daily; every figure on this page is recalculated when it loads from the current MonitorBankRates Hawaii average.
Car Payments by Price in Hawaii
10% down, Hawaii sales tax of 4.00% and $300 in fees financed, 60 months at the MonitorBankRates Hawaii averages for new (5.32%) and used (6.08%) cars.
| Price | Down | Hawaii tax | Amount financed | New car payment | Used car payment |
|---|---|---|---|---|---|
| $15,000 | $1,500 | $600 | $14,400 | $274 | $279 |
| $25,000 | $2,500 | $1,000 | $23,800 | $453 | $461 |
| $35,000 | $3,500 | $1,400 | $33,200 | $631 | $643 |
| $45,000 | $4,500 | $1,800 | $42,600 | $810 | $825 |
| $60,000 | $6,000 | $2,400 | $56,700 | $1,078 | $1,098 |
Buying a Car in Hawaii: Tax, Fees and Insurance
Sales tax. General excise tax of 4%, plus a 0.5% county surcharge in most counties. The calculator uses the state rate of 4.00%; enter your combined local rate for an exact figure. Dealers add the tax to the amount financed unless you pay it at signing, so it costs interest for the life of the loan.
Trade in. Hawaii charges tax on the full purchase price, so a trade in lowers the loan but not the tax bill; a private sale may net more.
Fees. Title, registration and plate fees are set by the Hawaii motor vehicle agency and vary by vehicle; dealer documentation fees are set by the dealer and run from about $100 to more than $800 depending on the state. The calculator uses $300 as a placeholder; replace it with the figures on your buyer's order.
Insurance. The average Hawaii car insurance premium is about $952 a year, or $79 a month, according to the NAIC, compared with about $1,258 nationally. Lenders require full coverage on a financed car, so budget for it alongside the payment. Compare carriers on the Hawaii car insurance page.
How to Use the Hawaii Auto Loan Calculator
- Start from the Hawaii defaults
The APR is today's MonitorBankRates Hawaii average, the sales tax is the Hawaii vehicle rate and the insurance line is the state average. Switch to used with one click.
- Enter the deal
Type the negotiated price, your down payment and trade in, and the fees from the buyer's order. Add your local tax rate if your county or city charges more than the state rate.
- Click a verified lender APR
The panel lists the lowest current new and used offers from lenders serving Hawaii. One click applies that APR and term.
- Read the full monthly cost
The large figure is the loan payment. Payment plus insurance shows what the car costs each month to keep on the road.
Frequently Asked Questions About Car Loans in Hawaii
What is the average auto loan rate in Hawaii today?
The MonitorBankRates Hawaii average new auto loan APR is 5.32% as of September 24, 2026, and the average used auto loan APR is 6.08%, computed every day from rates published by banks and credit unions lending in Hawaii. Individual lenders currently advertise APRs from 3.00% to 3.75% for borrowers with strong credit; compare offers on the Hawaii auto loan rates page.
How much is the car payment on a $35,000 car in Hawaii?
With $3,500 down, Hawaii sales tax of 4.00% and $300 in fees, the amount financed is $33,200. At the MonitorBankRates Hawaii average new auto loan APR of 5.32% that is about $631 a month over 60 months, $769 over 48 months, or $540 over 72 months.
What is the sales tax on a car in Hawaii?
General excise tax of 4%, plus a 0.5% county surcharge in most counties. On a $35,000 car the state rate of 4.00% comes to $1,400. Hawaii taxes the full price with no trade in credit.
Does a trade in reduce sales tax in Hawaii?
No. Hawaii charges tax on the full purchase price regardless of a trade in, so the trade in lowers the loan but not the tax. Compare the dealer offer with a private sale.
How much is car insurance in Hawaii?
The NAIC average car insurance premium in Hawaii is about $952 a year, or $79 a month, compared with about $1,258 nationally. Full coverage is required on a financed car, so the calculator adds the premium to the payment: about $710 a month for the example car.
What loan term should I choose?
The shortest term whose payment fits. On the $33,200 example at 5.32%, 48 months costs $769 a month, 60 months $631, and 84 months $474. The 84 month loan pays about $1,954 more interest than the 60 month loan and leaves you owing more than the car is worth for years.
How much should I put down on a car in Hawaii?
At least 10% on a used car and 20% on a new one is the usual guidance. Twenty percent down on the $35,000 example, $7,000, cuts the payment by about $67 a month and reduces the time you owe more than the car is worth.
Auto Loan Calculators for Other States
Each state page starts from that state's MonitorBankRates average APR, vehicle sales tax rate and average car insurance cost. The national auto loan calculator compares the payment on the same car in every state.
