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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
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Auto Loans | New or Used

Cruise up to Kahuku

Beaches? Mountains? They're all a little closer behind the wheel of your newly purchased car.

Auto
  • Car Loans for every need | We've Got Your Back

    Pearl Hawaii can help you buy whatever car you're after no matter your needs or budget. We also have pre-approval car loan options so you'll be ready at the dealership with funding and a big grin. It's hard to explore without a trusty companion.
    • First Time Car Buyer? We may be able help! 
    • Used car rates as low as new car rates
    • Terms as long as 8 years
    • Sign and drive the same day

    Not only did they save me money, I got my car loan quick. I had a truck by the end of the day.

    – Josh

  • New & Used Car Loan Rates & Calculator

    New Auto Loan Rates

    TermsAPR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
    2 Year 2.19% 23 payments of $42.63, 1 of $42.45 apply
    3 Year2.19% 35 payments of $28.73, 1 of $28.53 apply
    4 Year2.49% 47 payments of $21.91, 1 of $21.90 apply
    5 Year2.74% 59 payments of $17.86, 1 of $17.43 apply
    6 Year3.74%71 payments of $15.53, 1 of $15.31 apply
    7 Year4.49% 83 monthly of $13.90, 1 of $13.41 apply
    8 Year6.49% 95 monthly of $13.39, 1 of $12.17 apply

    *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.

    Used Auto Loan Rates

    Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
    2 Year 2.19% 23 payments of $42.63, 1 of $42.45. apply
    3 Year 2.19% 35 payments of $28.73, 1 of $28.53 apply
    4 Year2.74% 47 payments of $22.02, 1 of $21.96 apply
    5 Year2.99% 59 payments of $17.97, 1 of $17.58 apply
    6 Year3.74% 71 payments of $15.53, 1 of $15.31 apply
    7 Year4.74% 83 payments of $14.02, 1 of $13.17 apply

    *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 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.

    Used Auto Loans (Vehicles between 8 to 12 model years old)

    TermsAPR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
    2 Year 2.69% 23 monthly payments of $42.85 + 1 of $42.63 apply
    3 Year2.69% 35 monthly payments of $28.95 + 1 of $28.65 apply
    4 Year3.24% 47 monthly payments of $22.24 + 1 of $22.23 apply
    5 Year3.49% 59 monthly payments of $18.19 + 1 of $18.02 apply

    *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.

    Payment

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  • 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
    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:Provide Proof of Insurance    

    Ways you can make your car payment:

    1. ONLINE |   Log into PHFCUOnline and make a transfer into your loan or send us a payment via bill payment
    2. 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).
    3. MAIL |  Send payments to Pearl Hawaii Federal Credit Union, 1580 Makaloa Street, Suite 100, Kapiolani Business Plaza, Honolulu, Hawaii 96814.
    4. 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.

    Help

    For more information or if you have a question, please get in touch with us.

    Contact Us

Keep it close to home

You can finish your car loan app right here online, from the comfort of your couch.