Vehicle Loans

A | Visit us in Waipio, Waianae, Ewa, Honolulu, Pearl Harbor, or the Airport. You can also apply online or by phone by calling 808.737.4328 (73-PHFCU).

A |  Contact us at 808-73-PHFCU (737-4328).

A | The parts listed below are covered should they become worn during the vehicle service agreement term. Brake Pad – One replacement of a set of front and/or rear brake pads. Brake rotors will be replaced in conjunction with the replacement of brake pads if the thickness of the brake rotor is less than the manufacturer’s minimum specification. Battery – One replacement of a battery or the difference between the manufacturer’s prorated reimbursement and the total cost of the battery (does not include any Lithium-ion or hybrid batteries). Headlamp Bulbs – Unlimited replacement of the headlamp bulbs. Impact damage is not covered. Belts and Hoses – Replacement of engine belts and hoses including vacuum pump belt, serpentine belt, power steering belt, alternator belt, supercharger belt, AIR pump belt, air conditioner belt, water pump belt, heater hose, bypass hose, throttle body hose, upper and lower radiator hoses, air conditioning hose, power steering pressure and return hose, air hose, washer hoses, vacuum hoses, and fuel hoses. Windshield Wiper Blade – One replacement of a set of front and/or rear windshield wiper blades and/or inserts. Electrical – Unlimited coverage of fuses, interior and exterior light bulbs including but not limited to: turn signal bulbs, engine compartment lights, running lights, fog lights, stop lights, backup lights, license plate lights, parking lights, trunk lights, dome light, courtesy light, visor light, map light, and glove box light. Impact damage is not covered. Wheel Alignment – One wheel alignment.

A | You depend on your car. But big unexpected repairs can happen after your factory warranty expires. Mechanical Repair Coverage (MRC) can help you limit the cost of covered breakdowns. You pay only the applicable deductible if any. MRC can help lighten the financial burden for you and the people you care about. Get MRC today so you can worry a little less about tomorrow. Benefits for covered repairs PAYS FOR PARTS AND LABOR OF COVERED REPAIRS A VARIETY OF TERMS AVAILABLE FOR NEW OR USED VEHICLES LOW DEDUCTIBLE PLAN PAYS THE REPAIR FACILITY.  RENTAL REIMBURSEMENT Up to $35/day for 5 days (up to an additional 5 days with verified parts delay) from day one. 24-HOUR EMERGENCY ROADSIDE ASSISTANCE Includes towing, battery jump-start, fluid delivery, flat tire assistance, and lock-out service. (up to $100 per occurrence). TRAVEL EXPENSE REIMBURSEMENT Up to $200 per day for 1 - 5 days for food, lodging, and rental expense when a covered breakdown occurs more than 100 miles from home.** TRANSFERABLE If the vehicle is sold privately, the coverage can be transferred for a fee, which may add resale value and appeal.

A | No. Car insurance generally offers collision and liability protection. Mechanical repair coverage can help you limit the cost of any covered breakdowns. When you have both, you're better prepared for the unexpected. For details, visit Mechanical Repair Coverage and Auto Insurance.

Vehicles not covered include Vehicles used commercially, Salvage or rebuilt titled vehicles, Trucks rated more than 1 ton, Motor homes, Motorcycles, and Non-U.S. Specification Vehicles. Note: “Modified” vehicles are eligible for coverage but claims will be denied if resulting from the modifications made.

A| Present your vehicle service agreement to the licensed repair facility of your choice before they begin repairs. This includes dealer service centers, franchise repair centers and most independent repair shops. Once your mechanic receives authorization that your repair is covered they will proceed with service. When your service is complete, simply pay your deductible and drive on.

A: You may file a dispute with the Credit Bureaus or contact us to review your account.

NEED TO CONTACT US?

Call us at 808.737.4328 or email collections@phfcu.com.

CREDIT BUREAUS

TransUnion 1-800-916-8800

Equifax 1-888-548-7878

Experian 1-800-493-1058

   

A | You will need to contact your Insurance Company and they will contact us for additional information. Please keep in mind that you are still responsible for the loan payments until the loan is paid by your insurance carrier.

1|  You may Upload the Insurance Binder/Declaration page to MyLoanInsurance.com/phfcu 2|  You may Email the Insurance Binder/Declaration page to phfcu@myloaninsurance.com 3|  You may Fax the Insurance Binder/Declaration page to 1-877-787-0665 4|  You may Mail the Insurance Binder/Declaration page to Pearl Hawaii Federal Credit Union, Insurance Tracking Center, PO Box 581, Honolulu, HI 96809 5| You may contact the Collections Department at 808-218-6270 (call or text) or email collections@phfcu.com

A | You can contact the Collections Department Monday - Friday from 9:00 am - 5:00 pm

NEED TO CONTACT US?

Call at 808.737.4328 or email collections@phfcu.com.

1 |  You may drop off the completed Shipment of Vehicle Packet at any of our Branch Locations (Waipio, Waianae, Ewa Beach, Airport, Pearl Harbor, or Honolulu) 2| You may email us at collections@phfcu.com 3 | You may fax it to 808-218-6299

A | Only in the Continental United States

1 |  A completed Shipment of Vehicle Packet that is signed by all borrowers. 2 | A copy of the current Insurance Binder/Declaration page which shows PHFCU as the Lienholder and the Comprehensive and Collision deductibles are not greater than $500.00. 3 | Verification of Employment or Military Orders (Employment verification must be on the new employer’s letterhead and list all of the following: Date of Hire, Position, Salary, Employment Status (Full Time, Part Time, On Call, Temporary- if part-time), the guaranteed minimum number of hours, and name and phone number of HR Individual). 4 | A signed and completed Change of Address Form 5 | If you have a Power of Attorney please provide the documents along with an Affidavit (which the PHFCU can provide, it will need to be notarized) 6 | Shipment requests must be made no less than 2 business days (Monday-Friday) prior to the shipping date to allow for processing, document preparation, and approval. Timing for 2 business days begin once all required documentation is received.

NEED TO CONTACT US?

Call us at 808.737.7328 or email collections@phfcu.com.

A | Monday-Friday 9:00 am – 5:00 pm