The MFP’s Community Auto Lender Survey gathers Hawaii’s car drivers feedback and recommendations for direct lenders like banks, credit unions and online lenders, plus marketplaces. Shopping for a car loan and a lender can be complicated and we gathered this data to help your choice.
Updated: May 11, 2026
<< Human Powered Recommendations from Hawaii’s Car Drivers >>
Hawaii Best Car Loan Lenders
Honolulu, East Honolulu, Pearl City, Hilo, Kaneohe, Waipahu, Mililani Town, Kahului, Online.
Hawaii Car Loans Lenders Satisfaction
Performance and satisfaction of car loan lenders across Hawaii by lenders type.
| Lender Type | Application Ease | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommendation Rate |
|---|---|---|---|---|
| Credit Unions | 4.72 | 4.78 | 4.76 | 92.3% |
| Banks | 4.26 | 4.38 | 4.40 | 82.8% |
| Online Lenders | 4.47 | 4.43 | 4.49 | 80.8% |
| Community Banks | 3.95 | 4.05 | 4.15 | 76.0% |
Source: MFP’s Community Survey of Auto Loan Lenders by State and Cities.
Recommendations are gathered from 1,005 local Hawaiians who got a quote or applied for a car loan in the past 12 months. We survey 4 broad areas; loan application, loan term and rate, speedy quote and decision, plus if borrowers recommend the lender:
- Loan Application (0 to 5): How easy it is to apply for your auto loan. What’s the amount of information asked. How fast do you complete your application for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Speedy Quote & Decision (0 to 5): Were you happy with the guidance and speed you were offered, speed of a quote requested, and speed to get a decision on your loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Info for Hawaii Drivers:
Hawaii Used Car Insurance Cost
Honolulu Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Honolulu’s area are HawaiiUSA Federal Credit Union, Aloha Pacific Federal Credit Union and Hawaii State Federal Credit Union.
HawaiiUSA Federal Credit Union (96% Recommend)
- Ranks highest overall with a 96% Recommend score, the top Easy Application rating at 4.9, and the highest Speedy Quote & Decision rating among the top 3 at 4.9.
- Reviews and member feedback point to an easy application process, helpful Honolulu branch staff, and strong borrower support for auto-loan customers.
Aloha Pacific Federal Credit Union (95% Recommend)
- Ranks second with a 95% Recommend score and the highest Loan Terms & Rate Satisfaction rating among the top 3 tied at 4.9.
- Customer feedback supports the high ranking with positive comments around competitive auto-loan terms, quick local help, and clear application guidance.
Hawaii State Federal Credit Union (94% Recommend)
- Ranks third with a 94% Recommend score and balanced ratings of 4.8 Easy Application, 4.9 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews and member feedback point to smooth preapproval help, convenient Honolulu branches, and useful support during the vehicle-loan process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| HawaiiUSA Federal Credit Union | Credit Union | 4.9 | 4.8 | 4.9 | 96% |
| Aloha Pacific Federal Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 95% |
| Hawaii State Federal Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 94% |
| Hawaiian Financial Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 93% |
| Honolulu Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 92% |
| Hawaii Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 90% |
| Lōkahi Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 89% |
| Pearl Hawaii Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 88% |
| Hawaii Central Federal Credit Union | Credit Union | 4.5 | 4.7 | 4.6 | 87% |
| First Hawaiian Bank | Bank | 4.4 | 4.5 | 4.5 | 85% |
| Bank of Hawaii | Bank | 4.3 | 4.4 | 4.5 | 83% |
| American Savings Bank | Bank | 4.2 | 4.3 | 4.4 | 81% |
| Central Pacific Bank | Bank | 4.1 | 4.2 | 4.3 | 79% |
| Territorial Savings Bank | Community Bank | 4.0 | 4.1 | 4.2 | 77% |
| Hawaii National Bank | Community Bank | 3.9 | 4.0 | 4.1 | 75% |
East Honolulu Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in East Honolulu’s area are HawaiiUSA Federal Credit Union, Aloha Pacific Federal Credit Union and Hawaii State Federal Credit Union.
HawaiiUSA Federal Credit Union (96% Recommend)
- Ranks highest overall with a 96% Recommend score, the top Easy Application rating at 4.9, and the highest Speedy Quote & Decision rating among the top 3 at 4.9.
- Reviews and member feedback point to an easy auto-loan process, helpful branch service, and strong borrower support for East Honolulu-area customers.
Aloha Pacific Federal Credit Union (95% Recommend)
- Ranks second with a 95% Recommend score and the highest Loan Terms & Rate Satisfaction rating among the top 3 tied at 4.9.
- Customer feedback supports the high ranking with positive comments around competitive vehicle-loan terms, clear application guidance, and responsive local help.
Hawaii State Federal Credit Union (94% Recommend)
- Ranks third with a 94% Recommend score and balanced ratings of 4.8 Easy Application, 4.9 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews and member feedback point to smooth preapproval help, convenient Oahu branch access, and useful support during the vehicle-loan process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| HawaiiUSA Federal Credit Union | Credit Union | 4.9 | 4.8 | 4.9 | 96% |
| Aloha Pacific Federal Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 95% |
| Hawaii State Federal Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 94% |
| Hawaiian Financial Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 92% |
| Honolulu Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 91% |
| Hawaii Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 89% |
| Lōkahi Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 88% |
| First Hawaiian Bank | Bank | 4.4 | 4.5 | 4.5 | 85% |
| Bank of Hawaii | Bank | 4.3 | 4.4 | 4.5 | 83% |
| American Savings Bank | Bank | 4.2 | 4.3 | 4.4 | 81% |
Pearl City Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Pearl City’s area are HawaiiUSA Federal Credit Union, Pearl Hawaii Federal Credit Union and Hawaii State Federal Credit Union.
HawaiiUSA Federal Credit Union (96% Recommend)
- Ranks highest overall with a 96% Recommend score, the top Easy Application rating at 4.9, and the highest Speedy Quote & Decision rating among the top 3 at 4.9.
- Reviews and member feedback point to easy auto-loan applications, helpful Pearl City branch service, and strong borrower support.
Pearl Hawaii Federal Credit Union (95% Recommend)
- Ranks second with a 95% Recommend score and the highest Loan Terms & Rate Satisfaction rating among the top 3 tied at 4.9.
- Customer feedback supports the ranking with positive comments around vehicle-loan help, clear preapproval guidance, and responsive local service.
Hawaii State Federal Credit Union (94% Recommend)
- Ranks third with a 94% Recommend score and balanced ratings of 4.8 Easy Application, 4.9 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews and member feedback point to competitive vehicle-loan terms, smooth preapproval help, and useful support during the loan process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| HawaiiUSA Federal Credit Union | Credit Union | 4.9 | 4.8 | 4.9 | 96% |
| Pearl Hawaii Federal Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 95% |
| Hawaii State Federal Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 94% |
| Aloha Pacific Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 93% |
| Hawaiian Financial Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 91% |
| Lōkahi Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 89% |
| Honolulu Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 88% |
| First Hawaiian Bank | Bank | 4.4 | 4.5 | 4.5 | 85% |
| Bank of Hawaii | Bank | 4.3 | 4.4 | 4.4 | 83% |
| American Savings Bank | Bank | 4.2 | 4.3 | 4.4 | 81% |
Hilo Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Hilo’s area are HFS Federal Credit Union, CU Hawaii Federal Credit Union and Hawaii Community Federal Credit Union.
HFS Federal Credit Union (96% Recommend)
- Ranks highest overall with a 96% Recommend score, the top Speedy Quote & Decision rating among the top 3 at 4.9, and strong 4.8 Easy Application and 4.8 Loan Terms & Rate Satisfaction ratings.
- Reviews and member feedback point to helpful Hilo branch staff, competitive auto-loan rates, and a smooth local borrowing process.
CU Hawaii Federal Credit Union (95% Recommend)
- Ranks second with a 95% Recommend score and the highest Loan Terms & Rate Satisfaction rating among the top 3 at 4.9.
- Customer feedback supports the ranking with positive comments around preapproval help, local decision-making, and friendly service from application to funding.
Hawaii Community Federal Credit Union (93% Recommend)
- Ranks third with a 93% Recommend score and balanced ratings of 4.7 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews and member feedback point to fast auto-loan help, clear borrower guidance, and convenient Hilo branch service.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| HFS Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.9 | 96% |
| CU Hawaii Federal Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 95% |
| Hawaii Community Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 93% |
| Hawaii County Employees Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 91% |
| HawaiiUSA Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 89% |
| First Hawaiian Bank | Bank | 4.3 | 4.5 | 4.4 | 85% |
| Central Pacific Bank | Bank | 4.2 | 4.3 | 4.3 | 82% |
| Bank of Hawaii | Bank | 4.1 | 4.2 | 4.3 | 80% |
Kaneohe Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Kaneohe’s area are HawaiiUSA Federal Credit Union, Hawaii State Federal Credit Union and Aloha Pacific Federal Credit Union.
HawaiiUSA Federal Credit Union (96% Recommend)
- Ranks highest overall with a 96% Recommend score, the top Easy Application rating at 4.9, and the highest Speedy Quote & Decision rating among the top 3 at 4.9.
- Reviews and member feedback point to easy auto-loan applications, helpful Kaneohe branch service, and strong borrower support.
Hawaii State Federal Credit Union (95% Recommend)
- Ranks second with a 95% Recommend score and the highest Loan Terms & Rate Satisfaction rating among the top 3 tied at 4.9.
- Customer feedback supports the ranking with positive comments around clear vehicle-loan guidance, convenient branch access, and responsive local service.
Aloha Pacific Federal Credit Union (93% Recommend)
- Ranks third with a 93% Recommend score and balanced ratings of 4.7 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews and member feedback point to competitive auto-loan terms, helpful loan support, and a smooth borrowing process for Windward Oahu borrowers.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| HawaiiUSA Federal Credit Union | Credit Union | 4.9 | 4.8 | 4.9 | 96% |
| Hawaii State Federal Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 95% |
| Aloha Pacific Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 93% |
| Lōkahi Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 91% |
| Hawaii Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 89% |
| Ko’olau Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 87% |
| First Hawaiian Bank | Bank | 4.3 | 4.4 | 4.4 | 83% |
| American Savings Bank | Bank | 4.2 | 4.3 | 4.3 | 81% |
Waipahu Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Waipahu’s area are HawaiiUSA Federal Credit Union, Pearl Hawaii Federal Credit Union and Aloha Pacific Federal Credit Union.
HawaiiUSA Federal Credit Union (96% Recommend)
- Ranks highest overall with a 96% Recommend score, the top Easy Application rating at 4.9, and the highest Speedy Quote & Decision rating among the top 3 at 4.9.
- Reviews and member feedback point to easy auto-loan applications, helpful Waipahu branch service, and strong borrower support.
Pearl Hawaii Federal Credit Union (95% Recommend)
- Ranks second with a 95% Recommend score and the highest Loan Terms & Rate Satisfaction rating among the top 3 tied at 4.9.
- Customer feedback supports the ranking with positive comments around vehicle-loan help, clear preapproval guidance, and responsive local service.
Aloha Pacific Federal Credit Union (93% Recommend)
- Ranks third with a 93% Recommend score and balanced ratings of 4.7 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews and member feedback point to competitive auto-loan terms, helpful loan support, and a smooth Oahu borrowing process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| HawaiiUSA Federal Credit Union | Credit Union | 4.9 | 4.8 | 4.9 | 96% |
| Pearl Hawaii Federal Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 95% |
| Aloha Pacific Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 93% |
| Hawaii State Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 92% |
| Hawaiian Financial Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 90% |
| Honolulu Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 88% |
| First Hawaiian Bank | Bank | 4.3 | 4.5 | 4.4 | 85% |
| American Savings Bank | Bank | 4.2 | 4.3 | 4.4 | 82% |
Mililani Town Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Mililani Town’s area are Hawaii State Federal Credit Union, HawaiiUSA Federal Credit Union and Aloha Pacific Federal Credit Union.
Hawaii State Federal Credit Union (96% Recommend)
- Ranks highest overall with a 96% Recommend score, the top Loan Terms & Rate Satisfaction rating among the top 3 at 4.9, and strong 4.8 Easy Application and 4.8 Speedy Quote & Decision ratings.
- Reviews and member feedback point to competitive vehicle-loan terms, convenient Mililani-area branch access, and clear borrower support during the loan process.
HawaiiUSA Federal Credit Union (95% Recommend)
- Ranks second with a 95% Recommend score and the highest Speedy Quote & Decision rating among the top 3 at 4.9.
- Customer feedback supports the ranking with positive comments around easy applications, helpful local service, and smooth auto-loan support.
Aloha Pacific Federal Credit Union (93% Recommend)
- Ranks third with a 93% Recommend score and balanced ratings of 4.7 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Speedy Quote & Decision.
- Reviews and member feedback point to clear application guidance, competitive auto-loan options, and responsive Oahu branch support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Hawaii State Federal Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 96% |
| HawaiiUSA Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.9 | 95% |
| Aloha Pacific Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 93% |
| Pearl Hawaii Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 92% |
| Hawaiian Financial Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 90% |
| First Hawaiian Bank | Bank | 4.4 | 4.5 | 4.5 | 86% |
| American Savings Bank | Bank | 4.3 | 4.4 | 4.4 | 84% |
| Bank of Hawaii | Bank | 4.2 | 4.3 | 4.4 | 82% |
Kahului Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Kahului’s area are Maui County Federal Credit Union, HawaiiUSA Federal Credit Union and Valley Isle Community Federal Credit Union.
Maui County Federal Credit Union (96% Recommend)
- Ranks highest overall with a 96% Recommend score, the top Speedy Quote & Decision rating among the top 3 at 4.9, and strong 4.8 Easy Application and 4.8 Loan Terms & Rate Satisfaction ratings.
- Reviews and member feedback point to helpful Kahului branch service, clear car-loan guidance, and a smooth local borrowing process.
HawaiiUSA Federal Credit Union (95% Recommend)
- Ranks second with a 95% Recommend score and the highest Easy Application rating among the top 3 tied at 4.8.
- Customer feedback supports the ranking with positive comments around easy auto-loan applications, responsive branch support, and useful borrower guidance.
Valley Isle Community Federal Credit Union (93% Recommend)
- Ranks third with a 93% Recommend score and balanced ratings of 4.7 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Speedy Quote & Decision.
- Reviews and member feedback point to competitive vehicle-loan help, friendly local service, and practical support during the application process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Maui County Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.9 | 96% |
| HawaiiUSA Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 95% |
| Valley Isle Community Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 93% |
| Hawaii State Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 92% |
| Kahului Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 90% |
| First Hawaiian Bank | Bank | 4.3 | 4.5 | 4.4 | 85% |
| Bank of Hawaii | Bank | 4.2 | 4.4 | 4.3 | 83% |
| American Savings Bank | Bank | 4.1 | 4.3 | 4.3 | 81% |
Hawaii Best Online Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Hawaii’s area are HawaiiUSA Federal Credit Union, Hawaii State Federal Credit Union and Lōkahi Federal Credit Union.
HawaiiUSA Federal Credit Union (90% Recommend)
- HawaiiUSA Federal Credit Union ranks first with a 4.9 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating, and 4.8 Speedy Quote & Decision rating, giving it the highest Easy Application score among the top 3.
- Customer feedback points to strong Hawaii borrower satisfaction, clear online application access, pre-approval support, and competitive purchase auto-loan terms.
Hawaii State Federal Credit Union (89% Recommend)
- Hawaii State Federal Credit Union ranks second with a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating, and 4.8 Speedy Quote & Decision rating, matching HawaiiUSA Federal Credit Union on Loan Terms and Speedy Quote & Decision.
- Customer feedback supports strong Hawaii-specific lending relevance, online application availability, dealer-shopping tools, and helpful vehicle-loan support.
Lōkahi Federal Credit Union (88% Recommend)
- Lōkahi Federal Credit Union ranks third with a 4.8 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating, and 4.8 Speedy Quote & Decision rating, tying Hawaii State Federal Credit Union on Easy Application and Speedy Quote & Decision.
- Customer feedback points to a simple online application, local lending guidance, and clear support for Hawaii borrowers buying a vehicle.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend |
|---|---|---|---|---|---|
| HawaiiUSA Federal Credit Union | Direct | 4.9 | 4.8 | 4.8 | 90% |
| Hawaii State Federal Credit Union | Direct | 4.8 | 4.8 | 4.8 | 89% |
| Lōkahi Federal Credit Union | Direct | 4.8 | 4.7 | 4.8 | 88% |
| CU Hawaii Federal Credit Union | Direct | 4.8 | 4.7 | 4.7 | 87% |
| Hawaii Central Federal Credit Union | Direct | 4.7 | 4.7 | 4.7 | 86% |
| Hawaii Federal Credit Union | Direct | 4.7 | 4.6 | 4.7 | 85% |
| Gather Federal Credit Union | Direct | 4.6 | 4.7 | 4.6 | 84% |
| Big Island Federal Credit Union | Direct | 4.6 | 4.6 | 4.6 | 83% |
| Valley Isle Community Federal Credit Union | Direct | 4.5 | 4.6 | 4.5 | 82% |
| Aloha Pacific Federal Credit Union | Direct | 4.5 | 4.5 | 4.5 | 81% |
| AUTOPAY | Marketplace | 4.5 | 4.4 | 4.5 | 81% |
| Capital One Auto Navigator | Direct | 4.5 | 4.3 | 4.6 | 80% |
| LightStream | Direct | 4.4 | 4.4 | 4.5 | 79% |
| PenFed Credit Union | Direct | 4.3 | 4.6 | 4.3 | 78% |
| Bank of America Auto Loans | Direct | 4.1 | 4.1 | 4.1 | 76% |
| myAutoloan | Marketplace | 4.2 | 4.1 | 4.2 | 75% |
| Auto Credit Express | Marketplace | 4.1 | 4.0 | 4.2 | 74% |
| CarsDirect | Marketplace | 4.0 | 4.0 | 4.1 | 73% |
| Carvana Financing | Direct | 4.5 | 4.0 | 4.6 | 73% |
| RoadLoans | Direct | 4.0 | 4.0 | 4.1 | 72% |