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Auto Loan Special

Pearl Hawaii offers affordable rates and flexible payment options. To learn more, visit our Auto Loans Page.

Apply for an Auto Loan




  • Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. 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 and rates are subject to change or cancellation without prior notice. Financed amount is up to 120% of MSRP (new) or Kelley Blue Book Karpower Retail Value +/- value of mileage (used). 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. Membership in the credit union is required, and is $5 (waived with e-statements). For used vehicles: Hawaii registered vehicles only and vehicles may not be older than 7 model years old. Payment example based on $1000: 2.19% APR-35 payments of $28.73, 1 of $28.53, 2.69% APR- 35 Payments of 28.95, 1 estimated of $28.77 . **Certain terms and conditions apply. Refinance of an existing PHFCU loan does not qualify for this offer. Terms, Conditions, and Promotion is subject to change or cancellation without prior notice. Must be a PHFCU member, meet account eligibility, or account opening criteria. Limit one $100 payment per member for those members who refinance an auto loan with a balance of $10,000 or more from another financial institution.