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 31–37 of 37 in Hawaii · median 4.99% APR
- 5.99%APRas low as
Terms
As low as APR. Subject to credit approval. Financing up to 125% MSRP.
Auto loan score 66 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
Starting at 6.00%
Auto loan score 66 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 63 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as · up to 17.99%
6.25% APR, up to 17.99%
Terms
New & Used - 100% Financing. 7-year term available for loans exceeding $30,000.00 on new autos only. Actual rates are based on credit rating, loan term, and the model year of vehicle financed.
Auto loan score 68 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of September 23, 2026. Fixed-rate loan amortized over 5 years (60 months). Includes discount for autodraft from a First Citizens checking account. APR based upon an interest rate of 6.25% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 63 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.49%APRas low as · up to 9.99%
6.49% APR, up to 9.99%
Terms
96 months term available for New Autos with loan to value no greater than 115%. Additional conditions and restrictions apply.
Auto loan score 81 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 6.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes a 0.50% deduction with an existing direct deposit into the Credit Union. Maximum term offered is 84 months.
Auto loan score 63
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