Cut down your debt.
Handle just one simple payment each month.
Simplify Your Life With a Debt Consolidation LoanWith 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, personal loans, and other debt. By consolidating it into one fixed monthly payment that you can afford, you can live a little happier.
- No collateral needed
- Competitive low rates
- Short, manageable terms
One simple application
Applying for a debt consolidation loan takes only a minute. You tell us what type of loan you're looking for, answer a few questions, and submit.
One single fixed interest rate + One Single Convenient Payment
Keeping track of when and which payments to prioritize every month gets old quick. Simply, combine all your debt into one single monthly payment. Additionally, your loan is fixed. You’ll know exactly what your monthly payments are and how many of them you’ll need to make. Say goodbye to managing several payment dates, different loan amounts, and dealing with several lenders.
Debt Consolidation Benefits
1 | Get a Lower Interest Rate- By lowering your rate, you save yourself years off debt repayment, which helps you save a significant amount of money.
2 | Life just got easier- With one payment, you save time and there is less stress.
3 | Improved Credit- If you have maxed out your credit cards, it can negatively impact your score. The best way to improve your credit score is to eliminate your credit card debt completely.
My loan officer was so helpful and knowledgeable. She answered all my questions and more. I was able to consolidate everything into a debt consolidation loan and relax a little more.
Debt Consolidation Loan Rates
Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment) 1 Year 8.00% 11 monthly payments of $86.99 + 1 of $86.41 apply 2 Year 8.00% special 24 monthly payments of $22.58 apply 3 Year 8.75% 35 monthly payments of $31.68 + 1 of $31.45 apply 4 Year 9.00% 47 monthly payments of $24.89 + 1 of $24.70 apply 5 Year 9.50% 59 monthly payments of $21.00 + 1 of $20.84 apply 6 Year 11.00% 71 monthly payments of $19.03 + 1 of $18.86 apply 7 Year 15.00% 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 12/1/23.
For additional rates, visit our rates page.