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First Hawaiian Bank Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 5 Sep 2023
Fact checked

A quick review of First Hawaiian Bank auto loans

First Hawaiian Bank (FHB) logo

Founded in 1858, First Hawaiian Bank (FHB) is Hawaii’s largest bank. FHB provides personal and business auto loans to over 50 branches across Guam, Hawaii, and Saipan. With the bank, customers may qualify for rate discounts that can save them more over the life of the loan.

Want to see what an FHB auto loan will cost? Try the First Hawaiian Bank auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key First Hawaiian Bank auto loan features

  • Minimum loan amount: $2,500.
  • Maximum loan amount: Undisclosed.
  • Interest rates: From 7.98% APR.
  • Loan terms: Up to 5 years.
  • Loan fees: Undisclosed.
  • Discounts: Autopay discounts and rate discounts based on checking accounts.

FIRST HAWAIIAN BANK LOAN OPTIONS

New and used auto loans

First Hawaiian Bank has financing options with up to a 60-month loan term. Starting at 7.98% APR, you can apply for a new car loan for a minimum of $2,500. Then, used cars may have an APR starting at 8.49%. Remember though that your maximum loan amount depends on your collateral and term and is subject to credit approval.

Auto leasing for business

If you need to fund a vehicle for your business, FHB also provides fixed-rate auto leasing for businesses. You can finance up to 100% of the capitalized vehicle cost, and it’s available to any make or model of car, truck, and van.

First Hawaiian Bank auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
First Hawaiian Bank

First Hawaiian Bank auto loan

First Hawaiian Bank auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate First Hawaiian Bank auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a First Hawaiian Bank auto loan

Eligibility criteria

While the bank doesn’t specify the criteria for vehicle financing, you generally need to be:

  • 18 years old or older
  • Employed or have a steady source of income

Each bank has a different set of requirements for auto financing. So, to get approved for a car loan, ensure you compare multiple financial institutions. This will help you find a lender that works best for your situation.

What you’ll need to have ready

When you apply for auto financing with First Hawaiian Bank, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide FHB with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Your auto loan approval time can vary based on your application. Being prepared with the documents and information can help you fast-track your application. But note that FHB may require more or less depending on other factors, like the type of loan.

Ways to apply for a First Hawaiian Bank auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 808-643-5626

Additional First Hawaiian Bank auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it may be one business day to a few weeks based on your application.
  • Rate discounts: 0.25% APR off with autopay from an FHB deposit account. 0.25% rate discount with a personal Priority Banking Gold or Level 2 checking account. Or, 0.35% off with a personal Priority Banking Platinum checking account.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: $0.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile banking, in a branch, by mail, and through wire transfer.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

  • Maximum vehicle age: Unspecified. But usually, banks may limit vehicles to 10 years old.
  • Maximum vehicle mileage: Unspecified.
  • Other vehicle restrictions: Salvage, commercial, and fleet vehicles, taxis, boats, and motorcycles.

PROS AND CONS

Pros

  • No prepayment penalty.
  • Co-borrowers allowed.
  • Automatic payments available.
  • 0.25% rate discount with autopay.
  • 0.25% APR off with a personal Priority Banking Gold or Level 2 checking account.
  • 0.35% off with a personal Priority Banking Platinum checking account.
  • Multiple branches across Guam, Hawaii, and Saipan.

Cons

  • Borrowers with poor credit may get a higher annual percentage rate.
  • Undisclosed loan fees.
  • Limited to autos.

Frequently asked questions

How to apply for an auto loan at First Hawaiian Bank?

You can apply for vehicle financing by visiting a branch or calling 808-643-5626. For Guam residents, you can dial 671-477-5626 and 1-800-403-7167 for CNMI residents.

Can I pay my First Hawaiian Bank auto loan online?

Yes. You can make your auto loan payments online.

Are First Hawaiian Bank auto loan interest rates fixed or variable?

FHB offers fixed-rate auto loans.

What is the maximum length of an FHB auto loan?

You can finance your auto loan for up to 5 years or 60 months.

Are there early repayment fees on First Hawaiian Bank car loans?

None. You can make early payments towards your loan without incurring prepayment penalties.

How much must I earn to qualify for FHB vehicle finance?

FHB doesn’t indicate minimum income requirements for auto financing. However, the bank needs income verification if you borrow over $5,000.

Video: First Hawaiian Bank: Shindig

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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