VEHICLE LOANS FOR EVERY NEED
Pearl Hawaii has vehicle loans to help you buy whatever you’re after no matter your needs or budget. 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.
- Low Rates
- First-Time Car Buyer? We May Be Able To Help!
- New Vehicle Loans – up to 8 Year Terms
- Used Vehicle Loans (up to 7 Model Years or Newer) – up to 7 Year Terms
- Used Vehicle Loans (8-12 Model Year Vehicles) – up to 5 year Terms
- Sign and Drive the Same Day
- Get Pre-Approved and Get a Loan Within Your Budget. Learn More
- No Prepayment Penalties
- Start Shopping Now
NEW & USED VEHICLE LOANS
Let us help put you in the driver’s seat. Finally, the car you want is within reach with our low Vehicle Loans. Overall, you can feel confident at the dealership knowing what you can afford and what you should be paying.
REFINANCE YOUR VEHICLE | And Get A $100*
If your loan is bogging you down, come to us to refinance. We can get you refinanced with a better rate, a better payment, and maybe even a better sunshade.
CREDIT CREATE | Have no or minimal credit? Let us help!
Our Credit Create suite gets you set up with a vehicle loan and credit card with no history needed. Additionally, you’ll also build credit along the way.
MOTORCYCLE LOANS
You don’t have to be wealthy to own your own bike. All you need is the right lending partner by your side. Moreover, we will get you set up with fair motorcycle loans that are easy to apply for and easy to pay off.
PRE-APPROVED AUTO LOANS (PAL CERTIFICATE)
Get pre-approved at Pearl Hawaii Federal Credit Union before buying your next car. You will benefit from our great rates and have much of the process finished before you ever visit the dealership.
RESEARCH YOUR NEXT VEHICLE (AutoSMART)
Use our extensive database to research and compare trims, photos, and reviews for every make and model, so you can find the car that fits your life.
LEASE BUYOUT LOAN
Plans change… and that can include deciding to keep your car at the end of its lease. If you’re not ready to give up the car that you love at the end of the lease, then consider purchasing it with a Lease Buyout Auto Loan with Pearl Hawaii. Determine how much it will cost to purchase your car by viewing your lease agreement and apply.
CASH BACK AUTO LOAN
With Pearl Hawaii’s Cash Back refinancing, 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.
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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…
- HOW CAN I BUY A CAR?
- 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
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VEHICLE LOANS | CALCULATORS
AUTO LOAN CALCULATOR
Payment
$%MOTORCYCLE LOAN CALCULATOR
Payment
$%- AFFORDABILITY CALCULATOR FOR AUTO LOANS
- AUTO REFINANCE CALCULATOR – TERM
- WHAT’S MY MONTHLY CAR PAYMENT?
- PAYOFF CALCULATOR WITH EXTRA CAR PAYMENTS- AUTO LOANS
- AUTO REFINANCE CALCULATOR – MONTHLY CAR PAYMENTS
- LOAN RATE VS. CASH BACK AUTO FINANCING CALCULATOR
- WHAT CAN I AFFORD?: TERM, DOWN PAYMENT, CAR PAYMENT
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VEHICLE LOANS | FREQUENTLY ASKED QUESTIONS
Ways you can make your car payment:
- ONLINE | Log into PHFCUOnline and make a transfer into your loan or send us a payment via bill payment
- PHONE | Call us at 808.737.4328 and make a transfer or pay by Debit or Credit Card (Visa, MasterCard, & Discover is accepted for a processing fee. You may not Pearl Hawaii loan with a Pearl Hawaii Credit Card).
- MAIL | Send payments to Pearl Hawaii Federal Credit Union, 1580 Makaloa Street, Suite 100, Kapiolani Business Plaza, Honolulu, Hawaii 96814.
- VISIT US | Visit any location
You are welcome to apply for a loan at any time.Yes, PHFCUOnline Banking offers FREE Bill Payment where payments can be set up as one-time or re-occurring payments.You can always access and verify Automatic Payment transactions 24/7 via PHFCU Online Banking.If you have a Pearl Hawaii loan, you can opt for Automatic Payments as an option. Automatic Payments will electronically transfer funds from your Pearl Hawaii Federal Credit Union account to your loan. Essentially, choose from payroll deduction, automatic transfer from another account at Pearl Hawaii, though PHFCUOnline, or electronic payments from another institution via ACH.
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 MyFamily@phfcu.com.
Vehicle Loans | Let’s Get Started
You can finish your loan app right here online, from the comfort of your couch.