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Personal Loans

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

Personal Loan
  • Overview

    Your loan, your way

    Personal Loans for Every Need

     

    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

     

    Some other Personal Loan products:

    50/50 LOAN

    This is connected to the available funds on deposit with Pearl Hawaii. The maximum loan amount is $10,000.  Additionally, terms range between 1 and 3 years.

    OVERDRAFT LINE-OF-CREDIT

    Linked to a Pearl Hawaii checking account, this provides coverage by shifting funds from the loan to your account in increments of $100. Moreover, the credit limits range from $300 up to a maximum of $5,000, which you can base off your credit needs.

    SAVINGS SECURED

    With terms up to 5 years, this loan uses the available funds in your Pearl Hawaii savings account as collateral. Also, you can get matched for up to 100%. Additionally, you’ll still earn full dividends on the money in the account.  In other words, it’s a great way to have your money work for you.

    CERTIFICATE SECURED

    Use your savings certificate as collateral. You can borrow up to 90% of your savings certificate.  Most importantly, you will still earn dividends on the money in the account.

    PARTIALLY SECURED

    With terms up to 5 years, this loan uses the available funds in your Pearl Hawaii savings account as collateral. Also, you can get matched for up to 100%. Additionally, you’ll still earn full dividends on the money in the account.  In other words, it’s a great way to have your money work for you.

     


    Why a Personal Loan?

    • Debt Consolidation
    • Emergency
    • Home Improvement
    • Medical Bills
    • Taxes
    • Big Purchases

     

    Need a little more info? Check out How do Personal Loans work? The Basics.

     

     

     

     

    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

     

    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.

  • Rates & Calculator

    Personal

    Terms APR* Payment Example (Based on $1000; Monthly with 1 estimated final payment)
    1 Year 3.50% 12 monthly payment of $84.91
    2 Year4.50% 23 monthly payments of $43.42 + 1 of $43.34
    3 Year5.50% 35 monthly payments of $30.20 + 1 of $30.02
    4 Year6.50% 47 monthly payments of $23.71 + 1 of $23.68
    5 Year7.50% 59 monthly payments of $20.04 + 1 of $19.82
    6 Year9.00% 71 monthly payments of $18.03 + 1 of $17.51
    7 Year10.00% 83 monthly payments of $16.61 + 1 of $15.45

    *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.

    For additional rates, visit our rates page.

    Payment

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