Credit union · NCUA insured
Lanai Federal Credit Union Auto Loan Rates
Lanai Federal Credit Union auto loans start at 3.75% APR for a new vehicle and 4.25% for a used one. Rates checked October 22, 2026.
How Lanai Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kahului, HI, where Lanai Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Lanai Federal Credit Union
3.75%APR
- Terms
- up to 60 months
- Up to
- 9.00% APR
New Auto Loans
Lowest rate
Molokai Community FCU
3.49%APR
- Terms
- up to 72 months
- Up to
- —
3rd-lowest rate
Wailuku Federal Credit Union
4.25%APR
- Terms
- —
- Up to
- —
Lanai Federal Credit Union auto loan score
95
Auto loan score
Higher than 98% of U.S. banks and credit unions
- New vehicleNew3.75%
- Used vehicleUsed4.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Lanai Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto Loans
Repayment plans up to 84 months (7 years). Can be financed up to 100% of vehicle purchase (MSRP plus tax, license, and documentation fees). Rates based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.00%–8.00% | Credit tiers: Platinum (730+) 3.00%, Preferred (729-680) 4.00%, Standard (679-620) 6.00%, Credit Builder (619 and Below) 8.00%; Up to 100% LTV |
| up to 48 months | 3.50%–8.50% | Credit tiers: Platinum (730+) 3.50%, Preferred (729-680) 4.50%, Standard (679-620) 6.50%, Credit Builder (619 and Below) 8.50%; 4 Years term; Up to 100% LTV |
| up to 60 months | 3.75%–9.00% | Credit tiers: Platinum (730+) 3.75%, Preferred (729-680) 4.75%, Standard (679-620) 7.00%, Credit Builder (619 and Below) 9.00%; 5 Years term; Up to 100% LTV |
| up to 72 months | 4.00%–9.50% | Credit tiers: Platinum (730+) 4.00%, Preferred (729-680) 5.00%, Standard (679-620) 7.50%, Credit Builder (619 and Below) 9.50%; 6 Years (72 months) term; Up to 100% LTV |
| up to 78 months | 4.50%–5.50% | Credit tiers: Platinum (730+) 4.50%, Preferred (729-680) 5.50%; 6.5 Years (78 months) term; Up to 100% LTV |
| up to 84 months | 5.50% | Platinum grade (Credit Score 730+); 7 Years (84 months) term; Up to 100% LTV |
Used Auto Loans
Repayment plans up to 72 months (6 years). Used vehicle can be financed up to 100% of Kelley Blue Book Lending Value. Used vehicles must be no older than 10 years old. Rates based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.25%–8.25% | Credit tiers: Platinum (730+) 3.25%, Preferred (729-680) 4.25%, Standard (679-620) 6.25%, Credit Builder (619 and Below) 8.25%; Up to 100% LTV |
| up to 48 months | 3.75%–8.75% | Credit tiers: Platinum (730+) 3.75%, Preferred (729-680) 4.75%, Standard (679-620) 6.75%, Credit Builder (619 and Below) 8.75%; 4 Years term; Up to 100% LTV |
| up to 60 months | 4.25%–9.25% | Credit tiers: Platinum (730+) 4.25%, Preferred (729-680) 5.25%, Standard (679-620) 7.25%, Credit Builder (619 and Below) 9.25%; 5 Years term; Up to 100% LTV |
| up to 72 months | 4.75%–9.75% | Credit tiers: Platinum (730+) 4.75%, Preferred (729-680) 5.75%, Standard (679-620) 7.75%, Credit Builder (619 and Below) 9.75%; 6 Years (72 months) term; Up to 100% LTV |
Who can join Lanai Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.