Vehicle Loans
Whether you’re buying new or used, truck, car or motorcycle — even if you’re refinancing your current set of wheels — we can help. Pearl Hawaii keeps it simple with low rates, flexible terms and no prepayment penalties.
Why Choose Pearl Hawaii for Vehicle Loans
Pearl Hawaii can help you find a vehicle loan that fits your needs and budget. Here’s what you can expect:
-
Rates as low as 5.00% APR*
-
Terms up to 8 years
-
No prepayment penalties
-
First-time car buyer programs available
-
Pre-approved financing option
-
Refinancing, lease buyouts and cashback auto loans available
-
Sign and drive the same day
Calculate Your Vehicle Loan Monthly Payment
Rates As Low As 5.00% APR*
See what your monthly payments could look like before you buy. Enter the vehicle cost, your potential interest rate and your preferred loan term to get started.
Monthly Payment
New Vehicle Loans
Eyeing a brand-new ride? Get behind the wheel with a Pearl Hawaii new vehicle loan. Rates start as low as 5.00% APR, with flexible terms from 2 to 8 years.
Auto Loans for Used Vehicles Starting at 5.00%
You don’t need a car fresh off the factory floor to get where you’re going. A vehicle loan for used cars from Pearl Hawaii gets you on the road without the new-car price tag.
Used vehicle loan terms by age:
• Up to 7 model years old: APR starts as low as 5.00%; terms between 2 and 7 years.
• 8 to 12 model years old: APR starts as low as 6.75%; terms between 2 and 5 years.
Refinance Your Vehicle and Get a $100* Bonus
If your vehicle loan’s high interest rate is putting a strain on your budget, refinancing with Pearl Hawaii may offer some relief.
You could get a lower rate, a more manageable monthly payment or both. Refinance now and you may be eligible for a $100 bonus.* Eligibility and terms apply.
Motorcycle Loans
Motorcycle financing at Pearl Hawaii is built around the same member-first approach as our auto loans.
Competitive rates, flexible terms and a straightforward application can get you cruising around the island faster.
Rates and terms depend on the age of the bike you have:
· New motorcycles: APR starts as low as 7.00%; terms between 2 and 5 years.
· Used motorcycles: APR starts as low as 7.50%; terms between 2 and 5 years.
Lease Buyout Loan
Decided to keep your car at the end of your lease? Pearl Hawaii’s Lease Buyout Auto Loan makes the transition easier. Check your lease agreement for your vehicle’s purchase price, review our lease buyout rates and apply. For more guidance, read our how-to on purchasing a leased vehicle.
Cash Back Auto Loan
Pearl Hawaii’s Cash Back Auto Loan may help you lower your interest rate and score extra cash at the same time. That money can go toward an emergency fund, high-interest debt or other expenses you’ve been putting off.
Research Your Next Vehicle (AutoSMART)
Before you apply, spend time researching. Finding the right car before you set foot in a dealership puts you in a stronger position to negotiate.
Use our AutoSMART tool to compare trims, photos and reviews for the make and model you want.
Pre-Approved Auto Loans (PAL Certificate)
A Pearl Hawaii PAL Certificate helps you determine your vehicle loan rate before you ever set foot in the dealership.
We give you 30 days to shop for both new and used vehicles with this rate, so you can focus on finding the right car without worrying about the numbers.
Credit Create | Start Building Credit
No credit history? Our Credit Create program gets you set up with a vehicle loan and a credit card, with no credit history required. That means you can build credit along the way.
-
A | You can apply online, visiting one of our branches, emailing loanapps@phfcu.com or by calling 808.737.4328 (73-PHFCU).
-
A | Contact us at 808-73-PHFCU (737-4328).
-
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.
Ready to Apply for a Vehicle Loan?
Pearl Hawaii Federal Credit Union has served Oahu’s communities for nearly 90 years. When you apply for a vehicle loan with us, you are more than just a number — you are a member and an owner. Visit at any of our Oahu locations in Waipahu, Ewa Beach, Waianae, Honolulu, Pearl Harbor or near the Airport. Get started today.
Rates
| Terms | APR* As Low As | Payment Example (Based on $1000; Monthly with 1 estimated final payment) | |
|---|---|---|---|
|
2 Year |
5.00% |
23 payments of $43.87, 1 of $43.69 |
Apply |
|
3 Year |
5.00% |
35 payments of $29.97, 1 of $29.85 |
Apply |
|
4 Year |
5.00% |
47 payments of $23.03, 1 of $22.93 |
Apply |
|
5 Year |
5.00% |
59 payments of $18.87, 1 of $18.79 |
Apply |
|
6 Year |
5.00% |
71 payments of $16.10, 1 of $16.04 |
Apply |
|
7 Year |
6.00% |
83 monthly of $14.61, 1 of $14.54 |
Apply |
|
8 Year |
8.50% |
95 payments of $14.39, 1 of $14.29 |
Apply |
Rates effective as of: October 14, 2026
*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. Based upon the loan rate tier received. Up to 120% of MSRP. Auto loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision.
| Terms | APR* As Low As | Payment Example (Based on $1000; Monthly with 1 estimated final payment) | |
|---|---|---|---|
|
2 Year |
5.00% |
23 payments of $43.87, 1 of $43.69 |
Apply |
|
3 Year |
5.00% |
35 payments of $29.97, 1 of $29.85 |
Apply |
|
4 Year |
5.00% |
47 payments of $23.03, 1 of $22.93 |
Apply |
|
5 Year |
5.00% |
59 payments of $18.87, 1 of $18.79 |
Apply |
|
6 Year |
5.50% |
71 payments of $16.34, 1 of $16.26 |
Apply |
|
7 Year |
6.50% |
83 payments of $14.85, 1 of $14.77 |
Apply |
Rates effective as of: October 14, 2026
*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. Based upon the loan rate tier received. Up to 105% of Kelley Blue Book Karpower Retail Value + /- value of mileage. Auto loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision. Hawaii registered vehicles only. Vehicles may not be older than 7 model years old.
| Terms | APR* As Low As | Payment Example (Based on $1000; Monthly with 1 estimated final payment) | |
|---|---|---|---|
|
2 Year |
6.75% |
23 monthly payments of $44.66 + 1 of $44.41 |
Apply |
|
3 Year |
6.75% |
35 monthly payments of $30.76 + 1 of $30.59 |
Apply |
|
4 Year |
7.00% |
47 monthly payments of $23.95 + 1 of $23.81 |
Apply |
|
5 Year |
7.25% |
59 monthly payments of $19.92 + 1 of $19.80 |
Apply |
Rates effective as of: October 14, 2026
*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. Based upon the loan rate tier received. Up to 100% of Kelley Bluebook Karpower Retail Value + /- value of mileage. Auto loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision. Hawaii registered vehicles only. Vehicles may not be older than 12 model years old.
| Terms | APR* As Low As | Payment Example (Based on $1000; Monthly with 1 estimated final payment) | |
|---|---|---|---|
|
2 Year |
7.00% |
23 monthly payments of $44.77, 1 of $44.51 |
Apply |
|
3 Year |
7.00% |
35 monthly payments of $30.88, 1 of $30.70 |
Apply |
|
4 Year |
7.25% |
47 monthly payments of $24.06, 1 of $23.92 |
Apply |
|
5 Year |
7.50% |
59 monthly payments of $20.04, 1 of $19.91 |
Apply |
Rates effective as of: October 14, 2026
*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. Up to 100% financing available for up to five (5) years, not to exceed $25,000.00 of most recent Kelley Bluebook Retail Value (used) and MSRP (new). Motorcycle loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision. The primary borrower must be licensed with a valid class 2 operator’s license. Unacceptable security: Mopeds, nopeds, and motor scooters, as well as all off-road vehicles, including but not limited to all-terrain vehicles and dirt bikes. Motorcycles must be registered and licensed in the state of Hawai’i.
| Terms | APR* As Low As | Payment Example (Based on $1000; Monthly with 1 estimated final payment) | |
|---|---|---|---|
|
2 Year |
7.50% |
23 monthly payments of $45.00, 1 of $44.72 |
Apply |
|
3 Year |
7.50% |
35 monthly payments of $31.11, 1 of $30.91 |
Apply |
|
4 Year |
7.75% |
47 monthly payments of $24.30, 1 of $24.14 |
Apply |
|
5 Year |
8.00% |
59 monthly payments of $20.28, 1 of $20.14 |
Apply |
Rates effective as of: October 14, 2026
*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. Up to 100% financing available for up to five (5) years, not to exceed $25,000.00 of most recent Kelley Bluebook Retail Value (used) and MSRP (new). Motorcycle loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision. The primary borrower must be licensed with a valid class 2 operator’s license. Unacceptable security: Mopeds, nopeds, and motor scooters, as well as all off-road vehicles, including but not limited to all-terrain vehicles and dirt bikes. Motorcycles must be registered and licensed in the state of Hawai’i.
Truck Loans
Hawaii Truck Loans | New & Used
Dreaming of your Next Pickup Truck?
The truck you want is within reach with our low rates. Feel confident at the dealership knowing what you can afford and what you should be paying.
Motorcycle Loans
Motorcycle Loans
Adventure is waiting
The only thing more fun than cruising around an island? Adding a motorcycle to the mix.
Your Ticket to Ride
You don't have to be wealthy to own your own bike. All you need is the right lending partner by your side. We'll get you set up with fair motorcycle loans that are easy to apply for and easy to pay off.
Flexible terms
Competitive rates
New and used motorcycles
Feeling adventurous?
Fill out your motorcycle loans app online and we’ll get back to you in no time.
Refinance | Car Loans
Refinance Your Car Loan & Save
Is your auto loan with someone else? When you refinance with us, we’ll give you $100 in cash… not to mention a better rate!
- Get a lower interest rate.
- Lower your monthly payments
- With a lower interest rate, you can reduce your monthly payment
- Earn $100*
- Excellent rates that beat industry averages
- Terms up to 7 years for 7 model years or newer
- Terms up to 5 years for 8 to 12 model years
- No prepayment penalties
Refinance your car loan from another lender to Pearl Hawaii may help you lower your interest rate or decrease your monthly payment. Also, depending on the term you select, you could pay off your auto loan sooner.
- Easy application process. Apply anywhere you have a device or visit one of our locations in Waipahu, Honolulu, Pearl Harbor, Waianae, or Ewa Beach.
- Competitive, low rates
- Low monthly payments
- 24/7 access with Pearl Hawaii’s innovative services
Calculate Your Payment with Our Auto Loan Calculator when You Refinance to Pearl Hawaii
Monthly Payment
Auto Refinance Loan Rates
| Terms | APR* As Low As | Payment Example (Based on $1000; Monthly with 1 estimated final payment) | |
|---|---|---|---|
|
2 Year |
5.00% |
23 payments of $43.87, 1 of $43.69 |
Apply |
|
3 Year |
5.00% |
35 payments of $29.97, 1 of $29.85 |
Apply |
|
4 Year |
5.00% |
47 payments of $23.03, 1 of $22.93 |
Apply |
|
5 Year |
5.00% |
59 payments of $18.87, 1 of $18.79 |
Apply |
|
6 Year |
5.00% |
71 payments of $16.10, 1 of $16.04 |
Apply |
|
7 Year |
6.00% |
83 monthly of $14.61, 1 of $14.54 |
Apply |
|
8 Year |
8.50% |
95 payments of $14.39, 1 of $14.29 |
Apply |
Rates effective as of: October 14, 2026
*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. Based upon the loan rate tier received. Up to 120% of MSRP. Auto loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision.
| Terms | APR* As Low As | Payment Example (Based on $1000; Monthly with 1 estimated final payment) | |
|---|---|---|---|
|
2 Year |
5.00% |
23 payments of $43.87, 1 of $43.69 |
Apply |
|
3 Year |
5.00% |
35 payments of $29.97, 1 of $29.85 |
Apply |
|
4 Year |
5.00% |
47 payments of $23.03, 1 of $22.93 |
Apply |
|
5 Year |
5.00% |
59 payments of $18.87, 1 of $18.79 |
Apply |
|
6 Year |
5.50% |
71 payments of $16.34, 1 of $16.26 |
Apply |
|
7 Year |
6.50% |
83 payments of $14.85, 1 of $14.77 |
Apply |
Rates effective as of: October 14, 2026
*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. Based upon the loan rate tier received. Up to 105% of Kelley Blue Book Karpower Retail Value + /- value of mileage. Auto loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision. Hawaii registered vehicles only. Vehicles may not be older than 7 model years old.
| Terms | APR* As Low As | Payment Example (Based on $1000; Monthly with 1 estimated final payment) | |
|---|---|---|---|
|
2 Year |
6.75% |
23 monthly payments of $44.66 + 1 of $44.41 |
Apply |
|
3 Year |
6.75% |
35 monthly payments of $30.76 + 1 of $30.59 |
Apply |
|
4 Year |
7.00% |
47 monthly payments of $23.95 + 1 of $23.81 |
Apply |
|
5 Year |
7.25% |
59 monthly payments of $19.92 + 1 of $19.80 |
Apply |
Rates effective as of: October 14, 2026
*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. Based upon the loan rate tier received. Up to 100% of Kelley Bluebook Karpower Retail Value + /- value of mileage. Auto loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision. Hawaii registered vehicles only. Vehicles may not be older than 12 model years old.
Why Refinance Your Auto Loan
By refinancing, you’re taking out a new loan with different terms to pay off your existing loan. This may help you save money by reducing your interest rate, decreasing your monthly payments, or both.
Lower Interest Rate
Refinancing your car loan may lower your interest rate, which means a lower monthly payment and that you’ll pay less interest over the duration of your loan. If your credit score has improved, you may get a lower rate and a lower monthly payment by refinancing.
Decrease Your Car Payment
If refinancing your auto loan brings your interest rate down, it could mean your monthly payment will also go down.
Shorter Loan Terms
A shorter auto loan term means you can pay off your car sooner. A shorter loan could also mean you pay less in overall interest
Some Reasons Why You Want to Refinance Your Car Loan
If You Answer Yes To…
- Your credit score has increased since taking out your auto loan
- You discover that you’re qualified for better financing terms
- Your monthly car payments are higher than what you’re comfortable paying
Do Not Refinance If…
- You have already paid off a good portion of your existing car loan
- You have no car loan
- Your interest rate is already low
Vehicle Loans | Let’s Get Started
You can finish your car loan app right here online, from the comfort of your couch.
Lease Buyout Loan
Lease Buyout Loan
Plans change… and that can include deciding to keep your car at the end of its lease.
Auto Lease Buyout
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 today.
Basically, contact us to see if you’re eligible for a low interest rate. Our loan officers are ready to help make your loan experience stress-free.
Benefits
- If you are over or under your mileage, you may experience consequences. Unfortunately, you will owe money if you are over. If you are under, you will lose money as the vehicle could now be worth more than the value, dependent.
- Do you have excess wear and tear? If you buy the vehicle, you don’t have to come up with these out-of-pocket costs.
- If you like your vehicle, you don’t need to worry about the hassle of shopping for another one.
How does it Work?
When you lease a vehicle, dealers will allow you to purchase the vehicle before or at the end of the lease contract.
Before you can decide whether a lease buyout is a good idea for you, it’s important to understand both the differences between the buyout options and the contractual requirements you’ll be required to meet.
Please keep in mind that you have choices. Typically, your options include:
1) Lease Buyout
You can buy the vehicle at the end of the lease.
2) Early Lease Buyout
You may be able to purchase your vehicle before the lease is completed. Although you may want to purchase the vehicle, it will be dependent on the contract that you initially signed.
3) Returning the Vehicle
Dependent on your situation, you may want to return the vehicle. Generally, you do not want to pay more than the value of the vehicle. If the lease buyout is higher than the vehicle’s value, it is not worth purchasing the vehicle.
Lease Buyout Loan Rates
| Terms | APR* As Low As | Payment Example (Based on $1000; Monthly with 1 estimated final payment) | |
|---|---|---|---|
|
2 Year |
5.00% |
23 payments of $43.87, 1 of $43.69 |
Apply |
|
3 Year |
5.00% |
35 payments of $29.97, 1 of $29.85 |
Apply |
|
4 Year |
5.00% |
47 payments of $23.03, 1 of $22.93 |
Apply |
|
5 Year |
5.00% |
59 payments of $18.87, 1 of $18.79 |
Apply |
|
6 Year |
5.50% |
71 payments of $16.34, 1 of $16.26 |
Apply |
|
7 Year |
6.50% |
83 payments of $14.85, 1 of $14.77 |
Apply |
Rates effective as of: October 14, 2026
*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. Based upon the loan rate tier received. Up to 105% of Kelley Blue Book Karpower Retail Value + /- value of mileage. Auto loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision. Hawaii registered vehicles only. Vehicles may not be older than 7 model years old.
| Terms | APR* As Low As | Payment Example (Based on $1000; Monthly with 1 estimated final payment) | |
|---|---|---|---|
|
2 Year |
6.75% |
23 monthly payments of $44.66 + 1 of $44.41 |
Apply |
|
3 Year |
6.75% |
35 monthly payments of $30.76 + 1 of $30.59 |
Apply |
|
4 Year |
7.00% |
47 monthly payments of $23.95 + 1 of $23.81 |
Apply |
|
5 Year |
7.25% |
59 monthly payments of $19.92 + 1 of $19.80 |
Apply |
Rates effective as of: October 14, 2026
*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. Based upon the loan rate tier received. Up to 100% of Kelley Bluebook Karpower Retail Value + /- value of mileage. Auto loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision. Hawaii registered vehicles only. Vehicles may not be older than 12 model years old.
Love The Car You’re Driving?
With a Lease Buyout through Pearl Hawaii Federal Credit Union, you can keep your vehicle and enjoy the perks of a Pearl Hawaii Auto Loan.
As a not-for-profit, our auto loan rates are structured to benefit your bottom line, helping you save money when you’re ready to finance a used car, truck, or SUV. Plus, we make the application and approval process quick so you can keep moving forward. Apply or visit us at one of our convenient locations throughout Oahu including Honolulu, Waipio, Waianae, Ewa, Airport area, and Pearl Harbor.
Cash Back Auto Loan | Refinance
Cash Back Auto Loan | Refinance
It Pays To Refinance Your Auto Loan With Pearl Hawaii
Cash Back Auto Loan | Refinancing
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.
What Is A Cash Back Auto Loan?
Cash Back Refinancing (also referred to as Cash Out) means replacing your existing loan with a new one and borrowing an extra amount against the equity in your vehicle. With the existing equity that you have in your vehicle, you can receive a pool of cash. For example, your car has a $5000 balance on a loan from another lender. You refinance to Pearl Hawaii and the value turns out to be $7,000. As a result, you can receive up to $2000 (the equity) that will be deposited into your Pearl Hawaii checking account.
Benefits
- Fixed Interest Rates
- No Pre-Payment Fees or Penalties
- No Application Fee
What Happens When You Refinance An Auto Loan?
With a traditional refinance, you take out a new loan to pay off your current loan. If your credit score has improved or interest rates have dropped in the time since you got your loan, you could get a lower interest rate. With a lower interest rate, you could save hundreds to thousands on the life of your loan. Also, another option members consider is extending out their loan terms so their monthly payments are lower. With longer loan terms though, please keep in mind that you will likely pay more in interest.
How Cash Out Auto Refinancing Can Work For You
If done correctly, auto refinancing can work for you in a couple of ways. Depending on your current financial position, you can use cash-out auto refinancing to lower your payment or even lower your interest rate.
If you have questions about whether auto refinancing with cash out will work for you, you can always contact us. To determine how much equity you have, Pearl Hawaii will follow up with you after you apply.
Love The Car You’re Driving?
With a Cash Back Auto Loan with Pearl Hawaii Federal Credit Union, you can keep your vehicle and enjoy the perks of a Pearl Hawaii Auto Loan.
As a not-for-profit, our auto loan rates are structured to benefit your bottom line, helping you save money when you’re ready to finance a used car, truck, or SUV. Plus, we make the application and approval process quick so you can keep moving forward. Apply or visit us at one of our convenient locations throughout Oahu including Honolulu, Waipio, Waianae, Ewa, Airport area, and Pearl Harbor.
Proof of Insurance
Proof of Insurance
Why did I receive a notice about providing proof of insurance?
Your loan agreement requires you to maintain coverage on your vehicle for the term of your loan. We require you to provide us evidence that you have obtained acceptable insurance coverage as outlined in the loan agreement.
What Is Acceptable Insurance?
For Auto Insurance, the policy must:
- be effective on or before the effective date of the loan.
- include comprehensive, collision, and a deductible for comprehensive and collision not exceeding $500.
- have correct information about the vehicle, which includes the year, make, model, and complete VIN.
- have the borrower’s/insured individual name, insurance company name, policy number, and coverage effective/renewal date.
- include Pearl Hawaii listed as loss payee/lien holder as follows: Pearl Hawaii Federal Credit Union, ATTN: Loan Department, 94-449 Ukee Street, Waipahu, Hawaii 96797
For Home Insurance, you need the following:
- Fire coverage
- Flood coverage if the property is located in a flood zone
- Hurricane coverage if the total outstanding mortgage balance is more than the total land value as stated on your property tax.
- Correct collateral description
- Borrower/insured name
- Insurance company name
- Policy number
- Coverage effective/renewal date
- Pearl Hawaii listed as loss payee/lien holder as follows: Pearl Hawaii Federal Credit Union, ATTN: Loan Department, 94-449 Ukee Street, Waipahu, Hawaii 96797
If you need to provide proof of insurance for your loan, you can submit it here:
Guaranteed Auto Protection (GAP)
Guaranteed Asset Protection (GAP)
The Perfect Pairing
This inexpensive add-on goes with your auto loan like condensed milk on shave ice.
Don't Get Left in The Dust
When you get car insurance, they just insure the value of your car. They don't consider how much you might owe on the loan. That's where Guaranteed Asset Protection (GAP) comes in, stepping up to cover the extra costs, and keeping your spare cash safe.
Saves you big money if your car is stolen or totaled
Easy to add to your auto loan
Provides peace of mind
A Is for Affordable
We won’t bog you down with big premiums. Come to us and pay less than you would at most brokerages.
Mechanical Repair Coverage (MRC)
Mechanical Repair Coverage (MRC)
The miles can add up, but the repair costs don’t have to
MRC can help limit the cost of repair
Benefits for Covered Repairs
Whether you depend on your vehicle for work or getting your family to school and activities, you need transportation that’s safe and reliable. The older your vehicle, the more it takes to keep it in good working order. Not making small repairs can lead to even more expensive repairs. Ignoring repairs can be dangerous. Mechanical Repair Coverage (MRC) can help deflect some of those costly covered repairs while keeping your vehicle running extra miles and extra years. With various coverage levels and deductibles to choose from, there’s a plan to fit your family’s budget.
-
Limit repair costs to your deductible, if any.
-
Choose your deductible.
-
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 up to $100 per occurrence. Includes towing, battery jumpstart, fluid delivery, flat tire assistance & lockout service.
-
Travel reimbursement up to $200 per day for 1-5 days for food, lodging & transportation expense, when a covered breakdown occurs 100 miles or more from home. (Not available to NY residents.)
-
Good at any authorized repair facility in the U.S. or Canada.
-
No out of pocket expense except any deductible. Plan pays the repair facility.
-
Transferable to increase resale value. Only if sold privately. Subject to transfer fee.
-
Cancel for full refund within 60 days. A full refund is available only if coverage is unused in the first 60 days. If used or cancelled after 60 days, refund is prorated less administrative fees. Cancellation administrative fees vary by state.
Stay Behind the Wheel
Ask a Pearl Hawaii Federal Credit Union representative for details or get a quote by calling 808.73.PHFCU (737.4328).
Loan Protection
Life Plus
Life Plus adds protection for life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent. Protect your loan balance or loan payments today so your family can worry a little bit less about tomorrow. Purchasing protection is voluntary and won’t affect your loan approval. It’s simple to apply. Ask your loan officer about eligibility, conditions, or exclusions.
Loss of Life Protection
Loan Protection can cancel your eligible loan balance or your monthly loan payments, up to the agreement maximum, should you die from a protected illness or injury before paying off your loan.
Disability
If you become disabled due to a protected illness or injury, Loan Protection cancels your monthly loan payments, up to the agreement maximum.
Involuntary Unemployment
If you become involuntarily unemployed, Loan Protection cancels your monthly loan payments, up to the agreement maximum.
| When Debt Protection may cancel your loan balance or payments | What Happens | It Cancels | Eligibility |
|---|---|---|---|
|
Involuntary Unemployment |
A covered job loss occurs |
Your loan payments |
Are a permanent employee who is actively working* |
|
Disability |
A covered disability occurs due to injury or illness |
Your loan payments |
Are a permanent employee who is actively working* |
|
Loss of Life |
Protected borrower passes away |
Your loan balance or payments |
Have an eligible loan |
CUNA Mutual Group, Proprietary Data. 2Contract Terms and Maximums apply. The maximum benefit will reduce to 25% of the protected loan balance once a member reaches a certain age. 3One occurrence per rolling 12 months for all events. Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. *Refer to the Member Agreement for complete terms. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
DP-3414687.1-0121-0423 CUNA Mutual Group ©2021, All Rights Reserved.
| In the event of | What happens | It cancels this up to the contract maximums | You may be eligible if you |
|---|---|---|---|
|
Death |
Protected borrower passes away |
Your payments or loan balance |
Have an eligible loan |
|
Disability |
A covered disability occurs due to injury or illness |
Your loan payments |
Are a permanent employee who is actively working* |
|
Involuntary Unemployment |
A covered job loss occurs |
Your loan payments |
Are a permanent employee who is actively working* Are honorably discharged. |
*Refer to the member agreement for a full explanation of terms and conditions.
LifePlus, Disability & Unemployment
Life Plus
Balance Cancellation*
Payment Cancellation**
Accident & Sickness
Graded Benefits at Age of Death*
Disability
Payment Cancellation
Accident & Sickness
30-day Elimination Period
Involuntary Unemployment
Payment Cancellation
30-day Elimination Period
*Your purchase of loan protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. ** Applies to Death, Terminal Illness and Accidental Dismemberment. *** Applies to Hospitalization, Family Medical Leave and Loss of Life of a Non-Protected Dependent
Need to Submit a Claim? We Are Here to Help.
If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim. Payment Protection Products Include: Life (Terminal Illness, Accidental Dismemberment, Hospitalization, Family Medical Leave, Loss of Life of a Dependent), Disability, and Involuntary Unemployment. Call 1 (844) 707-4964 or file a claim.
Automatic Loan Payments
Automatic Loan Payments
Automatic Loan Payments from PHFCU make saving time and money easy!
Don't Miss a Payment Again!
If you have a Pearl Hawaii Federal Credit Union loan or even a loan at another qualifying financial institution, you can sign-up for Automatic Loan Payments to ensure timely and safe payments.
-
Make your monthly loan payments through payroll deduction or automatic transfer from your PHFCU checking or savings account.
-
Set up Bill Pay on PHFCUOnline to make payments for loans at other institutions.
-
Loan payments will be automatically deducted from the account you specify.
-
Relax, knowing that your payment is received on time - no more late fees!
-
Save money on stamps and envelopes
-
Save time - forget about writing out checks and putting them in the mailbox
-
Save on potential late fees - Automatic Loan Payments are always on time
-
Manage your loan bills on “auto pilot”
-
Protect your credit rating by ensuring prompt payments
Loan Payments
Need to make a Loan Payment?
There Are a Variety of Ways that You Can Make Your Loan Payment
Online
Log into PHFCUOnline and make a transfer into your loan. Easily, make payments by transferring funds from your savings or checking account to your loan accounts through Online and Mobile Banking. You can also set up automatic monthly payments with ease so you won’t have to keep track of due dates and your payments will always arrive on time.
Phone
Call us at 808.737.4328 and make a transfer or pay by Debit or Credit Card (Visa and MasterCard is accepted for a processing fee. You may not pay your Pearl Hawaii loan with a Pearl Hawaii Credit Card).
Send payments to Pearl Hawaii Federal Credit Union, 94-449 Ukee Street, Waipahu, Hawaii 96797.
Visit Us
Visit any Pearl Hawaii location or visit a Shared Branch location.
Test Modal
Modal Content
Ea rerum vel molestiae omnis molestias. Et ut officiis aliquam earum et cum deleniti. Rerum temporibus ex cumque doloribus voluptatem alias.
| Column Title | Column Title | Column Title |
|---|---|---|
|
Cell Value |
Cell Value |
Cell Value |
|
Cell Value |
Cell Value |
Cell Value |
|
Cell Value |
Cell Value |
Cell Value |
|
Cell Value |
Cell Value |
Cell Value |
|
Cell Value |
Cell Value |
Cell Value |
Rates effective as of: October 14, 2026
{Optional: Insert table disclosure information}
Open Account
Leaving Our Website
By accessing this link, you will be leaving the Credit Union’s web site and entering a web site hosted by another party.
Although the Credit Union has approved this as a reliable partner site, please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the Credit Union’s web site. The other party is solely responsible for the content of its web site.
We encourage you to read and evaluate the privacy and security policies on the site you are entering, which may be different than those of the Credit Union.
You will be leaving the credit union’s site.