New and used car loans from local banks and credit unions
Rates checked Nov 11, 2026
Term:
Ranked by lowest published ("as low as") APR, only against loans for the same vehicle type and term. Sorting is not influenced by advertising or referral fees.
For people who live, work, worship or attend school on Oahu · Check eligibility →Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Best rate is based on a 36-month term with 20% or more down; higher rates may apply by term and credit. Automatic payment from a Lokahi FCU savings or checking account required. Electric or hybrid vehicles get 0.50% off. Membership required: people who live, work, worship or attend school on Oahu. Up to 140% of MSRP.
For people who live, work, worship or attend school on Oahu · Check eligibility →Checked Nov 11, 2026Lender's page dated Aug 21, 2026 · sourceConditions: Lowest published rate; your APR depends on credit and may be higher. New autos only. Includes a 0.25% discount for automatic loan payment. Not for commercial vehicles or internal refinancing. Membership required: people who live, work, worship or attend school on Oahu.
Open to most Hawaii residents · Check eligibility →Checked Nov 11, 2026Lender's page dated Nov 11, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Full-coverage insurance with Pearl as loss payee, $500 maximum deductible. Membership required. Up to 120% of MSRP.
Open to most Hawaii residents · Check eligibility →Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Lowest published rate; your APR depends on credit and may be higher. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account (0.25% higher without). Up to 100% financing. Must be a Hawaii resident. Membership required.
How to read these rates
Each APR is the lowest rate the lender publishes for that vehicle type and term (“as low as”). The rate you are offered depends on your credit, down payment, the car's age and the loan amount, and is often higher. Many lenders also require automatic payment from one of their accounts to get the rate shown; each row lists the lender's conditions.
Credit unions require membership, and several only accept members who live, work, worship or go to school on certain islands. Check eligibility before you apply.
We list 3-year, 4-year and 5-year terms and only rates the lender's page dates within the last 90 days. Lenders listed: First Hawaiian Bank, Hawaii State Federal Credit Union, Hawaiian Financial Federal Credit Union, Lokahi Federal Credit Union, Pearl Hawaii Federal Credit Union and Hawaii Central Federal Credit Union. Dealer financing and lenders that don't publish dated auto rates are not included. How we collect and rank rates
