Vehicle Financing
Vehicle Financing
New & Used | Auto | Truck | Motorcycle | Refinance
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VEHICLE FINANCING FOR EVERY NEED
We can help you buy whatever auto you're after no matter your needs or budget with a Pearl Hawaii Vehicle Loan. Also, we have pre-approval options so you'll be ready at the dealership with funding. Afterward, get your perfect vehicle and affordable car payments. You find the new or used auto of your choice, and we’ll provide the financing. From trucks, cars, and motorcycles, if you need to refinance a high interest loan, buyout your lease, or need a cash back auto loan - we can help.- First-Time Car Buyer? We May Be Able To Help!
- New Vehicles - up to 8 Year Terms
- Used Vehicles (up to 7 Model Years or Newer) - up to 7 Year Terms
- Used Vehicles (8-12 Model Year Vehicles) - up to 5 year Terms
- Sign and Drive the Same Day
- Get a Loan Within Your Budget With Pre-Approval
- No Prepayment Penalties
- Start Shopping Now
- Refinance Your Current Auto Loan
- Flexible Vehicle Financing Terms
AUTO LOAN PRODUCTS TO GET YOU MOVING
- LOAN PAYMENTS
- AUTO INSURANCE
- GUARANTEED ASSET PROTECTION (GAP)
- MECHANICAL REPAIR COVERAGE (MRC)
- LOAN PROTECTION
AUTO LOAN RESOURCES
- APPLY FOR A LOAN
- RESEARCH YOUR NEXT VEHICLE (AutoSMART)
- FREE CREDIT REPORT
- FEDERAL TRADE COMMISSION: ABOUT FREE CREDIT REPORTS
- KELLEY BLUE BOOK RESEARCH
- PROOF OF INSURANCE
Not only did they save me money, I got my car loan quick. I had a truck by the end of the day.
– Josh
GET HELP WITH YOUR NEXT CAR LOAN
- CAR PAYMENT TOOLS & RESOURCES
- CAR INSURANCE
- SHOPPING FOR YOUR FIRST CAR? LET’S GET STARTED…
- HOW CAN I BUY A CAR?
- CALCULATING CAR LOANS: HOW DOES IT WORK?
- CAR PAYMENT TOOLS & AUTO LOAN CALCULATOR
- NEED A CAR PAYMENT CALCULATOR? GET STARTED NOW…
- WHAT CAR PAYMENT CAN I AFFORD?
- TIPS & TOOLS FOR PEARL HAWAII CAR SHOPPERS
- SHOULD I REFINANCE MY CAR LOAN
- AUTO LOANS – NEW, USED, OR REFINANCE
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Monthly Payment
Cost of car$Rate (APR)%New Auto Loan Rates
Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment) 2 Year 5.75% 23 payments of $44.21, 1 of $44.00 apply 3 Year 5.75% 35 payments of $30.31, 1 of $30.16 apply 4 Year 5.75% 47 payments of $23.37, 1 of $23.26 apply 5 Year 6.00% 59 payments of $19.33, 1 of $19.24 apply 6 Year 6.25% 71 payments of $16.69, 1 of $16.60 apply 7 Year 7.50% 83 monthly of $15.34, 1 of $15.24 apply 8 Year 8.50% 95 payments of $14.39, 1 of $14.29 apply *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. Based upon the loan rate tier received. Up to 105% of MSRP. Auto loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision. Rates current as of 12/1/23.
Used Auto Loan Rates
Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment) 2 Year 6.50% 23 payments of $44.55, 1 of $44.31 apply 3 Year 6.50% 35 payments of $30.65, 1 of $30.48 apply 4 Year 6.50% 47 payments of $23.71, 1 of $23.59 apply 5 Year 6.75% 59 payments of $19.68, 1 of $19.57 apply 6 Year 7.25% 71 payments of $17.17, 1 of $17.07 apply 7 Year 8.50% 83 payments of $15.84, 1 of $15.73 apply *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. Based upon the loan rate tier received. Up to 105% of Kelley Blue Book Karpower Retail Value + /- value of mileage. Auto loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision. Hawaii registered vehicles only. Vehicles may not be older than 7 model years old. Rates current as of 12/1/23.
Used Auto Loans (Vehicles between 8 to 12 model years old)
Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment) 2 Year 6.75% 23 monthly payments of $44.66 + 1 of $44.41 apply 3 Year 6.75% 35 monthly payments of $30.76 + 1 of $30.59 apply 4 Year 7.00% 47 monthly payments of $23.95 + 1 of $23.81 apply 5 Year 7.25% 59 monthly payments of $19.92 + 1 of $19.80 apply *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. Based upon the loan rate tier received. Up to 100% of Kelley Bluebook Karpower Retail Value + /- value of mileage. Auto loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision. Hawaii registered vehicles only. Vehicles may not be older than 12 model years old. Rates current as of 12/1/23.
New Motorcycles
Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment) 2 Year 7.00% 23 monthly payments of $44.77, 1 of $44.51 apply 3 Year 7.00% 35 monthly payments of $30.88, 1 of $30.70 apply 4 Year 7.25% 47 monthly payments of $24.06, 1 of $23.92 apply 5 Year 7.50% 59 monthly payments of $20.04, 1 of $19.91 apply *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. Up to 100% financing available for up to five (5) years, not to exceed $25,000.00 of most recent Kelley Bluebook Retail Value (used) and MSRP (new). Motorcycle loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision. The primary borrower must be licensed with a valid class 2 operator’s license. Unacceptable security: Mopeds, nopeds, and motor scooters, as well as all off-road vehicles, including but not limited to all-terrain vehicles and dirt bikes. Motorcycles must be registered and licensed in the state of Hawai’i.
Used Motorcycles
Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment) 2 Year 7.50% 23 monthly payments of $45.00, 1 of $44.72 apply 3 Year 7.50% 35 monthly payments of $31.11, 1 of $30.91 apply 4 Year 7.75% 47 monthly payments of $24.30, 1 of $24.14 apply 5 Year 8.00% 59 monthly payments of $20.28, 1 of $20.14 apply *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. Up to 100% financing available for up to five (5) years, not to exceed $25,000.00 of most recent Kelley Bluebook Retail Value (used) and MSRP (new). Motorcycle loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision. The primary borrower must be licensed with a valid class 2 operator’s license. Unacceptable security: Mopeds, nopeds, and motor scooters, as well as all off-road vehicles, including but not limited to all-terrain vehicles and dirt bikes. Motorcycles must be registered and licensed in the state of Hawai’i.
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Frequently Asked Questions
A | Visit us in Waipio, Waianae, Ewa, Honolulu, Pearl Harbor, or the Airport. You can also apply online or by phone by calling 808.737.4328 (73-PHFCU).A | Contact us at 808-73-PHFCU (737-4328).A | The parts listed below are covered should they become worn during the vehicle service agreement term. Brake Pad – One replacement of a set of front and/or rear brake pads. Brake rotors will be replaced in conjunction with the replacement of brake pads if the thickness of the brake rotor is less than the manufacturer’s minimum specification. Battery – One replacement of a battery or the difference between the manufacturer’s prorated reimbursement and the total cost of the battery (does not include any Lithium-ion or hybrid batteries). Headlamp Bulbs – Unlimited replacement of the headlamp bulbs. Impact damage is not covered. Belts and Hoses – Replacement of engine belts and hoses including vacuum pump belt, serpentine belt, power steering belt, alternator belt, supercharger belt, AIR pump belt, air conditioner belt, water pump belt, heater hose, bypass hose, throttle body hose, upper and lower radiator hoses, air conditioning hose, power steering pressure and return hose, air hose, washer hoses, vacuum hoses, and fuel hoses. Windshield Wiper Blade – One replacement of a set of front and/or rear windshield wiper blades and/or inserts. Electrical – Unlimited coverage of fuses, interior and exterior light bulbs including but not limited to: turn signal bulbs, engine compartment lights, running lights, fog lights, stop lights, backup lights, license plate lights, parking lights, trunk lights, dome light, courtesy light, visor light, map light, and glove box light. Impact damage is not covered. Wheel Alignment – One wheel alignment.A | You depend on your car. But big unexpected repairs can happen after your factory warranty expires. Mechanical Repair Coverage (MRC) can help you limit the cost of covered breakdowns. You pay only the applicable deductible if any. MRC can help lighten the financial burden for you and the people you care about. Get MRC today so you can worry a little less about tomorrow. Benefits for covered repairs PAYS FOR PARTS AND LABOR OF COVERED REPAIRS A VARIETY OF TERMS AVAILABLE FOR NEW OR USED VEHICLES LOW DEDUCTIBLE PLAN PAYS THE REPAIR FACILITY. RENTAL REIMBURSEMENT Up to $35/day for 5 days (up to an additional 5 days with verified parts delay) from day one. 24-HOUR EMERGENCY ROADSIDE ASSISTANCE Includes towing, battery jump-start, fluid delivery, flat tire assistance, and lock-out service. (up to $100 per occurrence). TRAVEL EXPENSE REIMBURSEMENT Up to $200 per day for 1 - 5 days for food, lodging, and rental expense when a covered breakdown occurs more than 100 miles from home.** TRANSFERABLE If the vehicle is sold privately, the coverage can be transferred for a fee, which may add resale value and appeal.A | No. Car insurance generally offers collision and liability protection. Mechanical repair coverage can help you limit the cost of any covered breakdowns. When you have both, you're better prepared for the unexpected. For details, visit Mechanical Repair Coverage and Auto Insurance.Vehicles not covered include Vehicles used commercially, Salvage or rebuilt titled vehicles, Trucks rated more than 1 ton, Motor homes, Motorcycles, and Non-U.S. Specification Vehicles. Note: “Modified” vehicles are eligible for coverage but claims will be denied if resulting from the modifications made.A| Present your vehicle service agreement to the licensed repair facility of your choice before they begin repairs. This includes dealer service centers, franchise repair centers and most independent repair shops. Once your mechanic receives authorization that your repair is covered they will proceed with service. When your service is complete, simply pay your deductible and drive on.