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
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
- 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
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.You can choose to set up monthly payments (due on the 1st, 10th, 28th or last day of each month) or bi-weekly (every other Friday) from your PHFCU account.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.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
- 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
A: You may file a dispute with the Credit Bureaus or contact us to review your account.
NEED TO CONTACT US?
Call or text us at 808.218.6270 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.comA: You can contact the Collections Department Monday - Friday from 9:00 am - 5:00 pmNEED TO CONTACT US?
Call or text us at 808.218.6270 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 808-218-6299A: Only in the Continental United States1 | 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.A: Monday-Friday 9:00 am – 5:00 pm
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.