Compare Bank & Credit Union Rates
Best auto loan rates in Hawaii
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–15 of 37 in Hawaii · median 4.99% APR
- 3.49%APRas low as
Terms
APR rate based on creditworthiness and term of loan. Up to 100% financing.
Auto loan score 98 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low as · up to 9.00%
3.75% APR, up to 9.00%
Terms
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
Auto loan score 95 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 3.84%APRas low as
Terms
Rates as low as stated APR. Assumes excellent credit. In partnership with TrueCar.
Auto loan score 91 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate is as low as 4.25% APR; determined by credit evaluation, loan term, loan-to-value, and direct deposit/payroll deduction.
Auto loan score 91 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Financing up to 100% of the invoice price; flexible terms up to 7 years.
Auto loan score 90 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
As low as 4.49% APR. Flexible repayment terms up to 7 years (84 months). APR determined by applicant's score. No prepayment penalty.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Up to 5 Years (60 months). 100% financing.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Celebrate our 70th anniversary with 1 point off your qualified rate as low as 4.50% APR on new autos! Subject to change at anytime so contact us today!
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Special: 5 Years
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
New car must be an electric or hybrid vehicle powered by alternative fuels. No maximum loan amount.
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
New Auto up to 4 years old. Rate shown is for the lowest available rate for a 5 year term. APR depends on credit worthiness, product and term selected, and other factors. Refinancing of an existing Maui County FCU loan is not eligible for this rate.
Auto loan score 86 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Promotional rate. Actual APR will be based on loan terms. No Refinancing of current HELCO FCU loans. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications, and collateral conditions. Members must qualify under HELCO FCU's membership and lending guidelines.
Auto loan score 85 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Max term is 72 months. 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.
Auto loan score 83 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Rate discounted from 5.25%. Additional 0.25% discount available for hybrid/electric vehicles. Best rate for credit score 720-850.
Auto loan score 82 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Hawaii
37 banks and credit unions · checked Oct 16–22
- Typical
- 4.99%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.39%
- Credit unions, typical
- 4.94%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Hawaii
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- PenFed Credit UnionCredit union · 2 branches
- Maui County Federal Credit UnionCredit union · 2 branches
- Hawaii Community Federal Credit UnionCredit union · 9 branches