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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
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Vehicle Loans

New & Used | Auto | Truck | Motorcycle | Refinance | Older Models

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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.

car loan

  • 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.

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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. 

details |  rates

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.

details | rates

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.

details | rates

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.

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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.

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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.

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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.

details | rates

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.