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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
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Personal Loans

More options than a Plate Lunch: a Personal Loan for literally anything

Personal Loan


    Our personal loans come with many options. With a variety of terms and payment plans, you can find a loan for whatever your lifestyle or financial situation needs. We can cover everything from taxes to shiny new smartphones to medical expenses. Ultimately, no matter what your dream or emergency, we want to help you along the way.

    • Terms up to 7 years
    • Loans from $200 up to $30,000
    • Competitive rates


    • Personal

      Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
      1 Year8.00%11 monthly payments of $86.99 + 1 of $86.41 apply
      2 Year8.50% 24 monthly payments of $45.45 apply
      3 Year8.75% 35 monthly payments of $31.68 + 1 of $31.45 apply
      4 Year9.00% 47 monthly payments of $24.89 + 1 of $24.70 apply
      5 Year9.50% 59 monthly payments of $21.00 + 1 of $20.84 apply
      6 Year11.00% 71 monthly payments of $19.03 + 1 of $18.86 apply
      7 Year15.00% 83 monthly payments of $19.30 + 1 of $19.06 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. Rates are current as of 2/1/24.


    With a debt consolidation loan, you can consolidate high-interest debt into one easy low-rate payment. Pearl Hawaii will help free you from your high-interest credit cards and other debt. By consolidating it into one fixed monthly payment that you can afford, you can live a little happier.

    details  | applyrates


    We’ll get it to you at a moment’s notice. If you’re concerned about utilities turning off, pricey car repairs, or unexpected moving expenses— come to us for emergency loans.

    details | applyrates



    Pearl Hawaii’s Secured Personal Loans are loans that are secured by the amount you have on deposit or your car. With Savings and Certificate Secured, the funds are kept in your account for a specific period of time-based on the terms of the loan.  The money collects interest while in the account, which will offset the interest charged on the loan. Build good credit while getting a low rate that won’t break the bank. It works much like a personal loan and is available to help people with a variety of expenses. When the loan is paid off, you can utilize the funds in your account or the certificate can be redeemed.

    • Certificate Secured
    • Savings Secured
    • Auto Secured

    details | applyrates


    Graduation is coming soon and student loans from Pearl Hawaii Federal Credit Union in partnership with Sallie Mae® could help.

    For those attending a degree-granting institution

    Whether you’re an undergraduate or graduate student these flexible loans are designed to meet your needs.



    If you struggle to pay taxes on time or simply want to protect your emergency fund from a big lump expense, we can help. Our reasonable tax loans let you keep your head at tax time— and your extra cash.

    details | applyrates


    Linked to a Pearl Hawaii checking account, this provides coverage by shifting funds from the loan to your account. Additionally, the credit limits range from $300 up to a maximum of $5,000, which you can base off your credit needs.


    Feel confident at Pearl Hawaii

    From the finest service to the latest tech, we’ve got your back in every possible way. At Pearl Hawaii, we are committed to providing you the most innovative products and services. From home or car loans and helping you with other banking services. 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


    Get an answer to your Personal Loan fast

    Our loan applications are quick and stress-free. First, just give us a little info about yourself. Next, we’ll get back to you right away. Easy-peasy.

    The staff is always super helpful. Above all, I always appreciate how hard the loan officers work to make sure I get approved for the personal loan that I need.

    – Jose