Hawaii Auto Loans

If you are in the market for an auto loan and you live on one of the Hawaiian islands, you can expect your auto loan rate to be right around 7%, depending on your credit and lender.

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Auto Lenders & Loan Types in Hawaii (HI)

Some of the available lenders in Hawaii include:

• Central Pacific Bank
• Hawaii USA
• Honolulu City & County
• Capital One Auto Finance
• First Hawaiian Bank
• American Savings

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Some of the auto loans available to consumers in Hawaii include:

• New car loan
• Used car loan
• Refinance loan
• Lease buyout
• Credit challenged loan

Financing Car Loans in Hawaii (HI)

When you are shopping for an auto loan in Hawaii, there are several factors you'll want to take into consideration. Before starting your search, be sure to check your credit report and score to correct any inaccuracies that may hurt your credit rating. Lenders largely base the rates they charge you on your credit score, so if you can improve your credit, you may be able to get a better rate on your loan. This will also help you determine what type of loan you should apply for.

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The average credit score in Hawaii is 691; above 600 is considered "good" credit and will help you qualify for a lower annual percentage rate when you apply for an auto loan. If your score falls somewhere below 600, you will still be eligible to receive a loan, but you may have to pay a higher APR. Either way, the sooner you request a quote, the sooner you can start cruising on down those beautiful Hawaiian highways!

Hawaii State Auto Loan Information

For more information on auto financing and auto regulations in Hawaii, you can contact the Department of Transportation or the Department of Budget and Finance:

Hawaii Department of Transportation
Aliiaimoku Building, 869 Punchbowl Street
Honolulu, HI 96813

State of Hawaii Department of Budget and Finance
P. O. Box 150
Honolulu, Hawaii 96810

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