Compare Bank & Credit Union Rates
Best auto loan rates in Kapolei, HI
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 1–7 of 7 in Kapolei, HI · median 4.75% APR
- 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 - 4.75%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 - 4.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Term up to 5 years. Higher rates may apply depending on loan term, collateral, and member's credit performance.
Auto loan score 82 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as rate reflective of all eligible discounts, including 0.25% discount with automatic transfer from share draft/share account with ACH payroll deposit or payroll deduction. Up to 60 months.
Auto loan score 77 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Terms 6 years. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account; without autopay, APR will be 0.25% higher. Final APR depends on creditworthiness. Must be a Hawaii resident.
Auto loan score 75 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates displayed are the lowest rates available, including a discount for automatic payment. Subject to credit qualifications.
Auto loan score 68 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Fixed rate. Credit subject to approval; final APR may be higher based on creditworthiness. Financing available up to 100% of MSRP.
Auto loan score 68 · Carrot Score 73
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 Kapolei, HI
7 banks and credit unions · checked Oct 3–22
- Typical
- 4.75%
- Top 10% up to
- 4.57%
- Credit unions, typical
- 4.75%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Urban Honolulu, HI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- PenFed Credit UnionCredit union · 2 branches
- Finance FactorsBank · 9 branches
- Navy Federal Credit UnionCredit union · 5 branches