Cash Back Auto Loan Rates | Refinance
With Pearl Hawaii’s Cash Back low loan rates, you might be able to get a better interest rate on your auto loan as well as some extra cash to cover a financial emergency, pay the high-interest debt, or cover other expenses.
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.
USEFUL LINKS
- LEARN MORE ABOUT CASH BACK AUTO REFINANCING
- APPLY FOR A LOAN
- RESEARCH YOUR NEXT VEHICLE
- FREE CREDIT REPORT
- FEDERAL TRADE COMMISSION: ABOUT FREE CREDIT REPORTS
- KELLEY BLUE BOOK RESEARCH
- CALCULATORS
PRO-TIP
For more information concerning how auto loans work, visit CFPB Consumer Laws & Regulations. Consumer Financial Protection Bureau (CFPB) is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.