Save with Pearl Hawaii’s Car Refinance Special
APPLY | RATES
Earn $100** and get a stellar rate!
With our Car Refinance Loan Special, refinancing has never been so easy and rewarding! Let us help you pay off your existing loan and help you by putting more money in your pocket with our competitive rates. Because our members are owners, we’re able to pass along our profits to you at better rates. Additionally, we never charge an application fee. 
Simply, refinance your car to Pearl Hawaii and you could…
- Get a lower interest rate.
- With a lower interest rate, you can reduce your monthly payment
- Earn $100
- Excellent rates that beat industry averages
- Terms up to 7 years for 7 model years or newer
- Terms up to 5 years for 8 to 12 model years
- No prepayment penalties
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.
Car Refinance Loan FAQs
Q| What is an auto refinance loan?
A| An auto refinance is a loan that pays off your existing auto loan often helping you save money.
Q| How does auto refinancing work?
A| Pearl Hawaii pays off your old loan. Once completed, your vehicle’s title transfers to us.
Q| Why should I refinance my existing auto loan?
A| Typically, members refinance to get a lower interest rate in order to reduce their interest costs or to lower their monthly payments. Auto refinance rates are at very low historical levels, so consumers are increasingly taking advantage of this by refinancing. Additionally, your credit situation may have improved since you initially purchased the vehicle. If your credit situation does improve, you would qualify for a lower rate.
Q| Are there any fees if I apply?
A| Nope. Not at all.
Q| How much will I save by refinancing my existing auto loan?
A| How much you save depends on things such as the remaining balance of your existing loan, the difference between your old interest rate and the new interest rate, and the term of your new loan.
Q| What do I need to do to apply for Pearl Hawaii’s Auto Refinance Loan Special?
A| Simply, apply to get started.
Q| Can I refinance my existing Pearl Hawaii auto loan?
A| To qualify for this promotion, you can only refinance an auto loan that you have with other lenders.
NEED HELP WITH YOUR NEXT CAR?
If you need to borrow money, we can help you. If you’re still not sure whether a loan is a right option for you, call us at 808.73.PHFCU (737.4328) or visit one of our locations on Oahu (Waipio, Waianae, Ewa Beach, Honolulu, Airport, and Pearl Harbor). Our team is ready to look at your financial situation and recommend the best option for you. You can also apply online to get started…
VEHICLE LOANS | TIPS
It helps to understand how a car loan is calculated and how car payments work. Before you head to the dealership, please take a moment to decide what monthly car payment you can afford. First, you need to consider your budget. Most importantly, look at your situation and be realistic and honest. Car payments and the auto loan you receive should be affordable and doable.
- Shopping For Your First Car? Let’s Get Started…
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- 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
- Tips & Tools For Pearl Hawaii Car Shoppers
- Auto Loans – New, Used, Or Refinance
- Financing For New & Used Cars
- Vehicle Loans For Every Need
- How To Buy Your Leased Car
- Refinance With Pearl Hawaii
VEHICLE LOANS | PRODUCTS
- LOAN PAYMENTS
- AUTO INSURANCE
- GUARANTEED ASSET PROTECTION (GAP)
- MECHANICAL REPAIR COVERAGE (MRC)
- DEBT PROTECTION
- AUTOMATIC LOAN PAYMENTS
VEHICLE LOANS | 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
- SHIPMENT OF VEHICLE PACKET
- CAR PAYMENT TOOLS & RESOURCES
- CAR INSURANCE
- CALCULATORS
Upgrade you.
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.
Building trust, nurturing dreams, inspiring hope. From home or car loans to Hawaii’s most innovative banking services, Pearl Hawaii is committed to you. Bank at any of our Oahu locations in Waipahu, Ewa Beach, Waianae, Honolulu, Pearl Harbor, or near the Airport. Additionally, you can bank using PHFCUOnline just like one of our branches. To contact us, call us at 808.737.4328, toll-free at 800.987.5583, or email us at MyFamily@phfcu.com.
ABOUT | COMMUNITIES | FAQs | JOIN | JOBS | THE PEARL | UPGRADE
*CAR LOAN SPECIAL
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. It cannot be used for a business loan. The borrower must be 18 years of age or older. Promotion and rates are subject to change or cancellation without prior notice. The financed amount is up to 100% of MSRP (new) or Kelley Blue Book Karpower Retail Value +/- the 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. Pearl Hawaii membership in the credit union is required. Membership is $5 (waived with e-statements).
For used vehicles: Hawaii registered vehicles only. Vehicles may not be older than 7 model years old.
**Certain terms and conditions apply. The refinance of an existing PHFCU loan does not qualify for this offer. Terms, Conditions, and Promotions are 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.