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Car Loan

Cruise up to Kahuku

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

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  • We've Got Your Back

    It's hard to explore without a trusty companion. We can help you buy whatever vehicle 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.
    • 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 loan quick. I had a truck by the end of the day.

    – Josh

  • Rates & Calculator

     

    New Auto Loan Rates

    TermsAPR* Payment Example (Based on $1000; Monthly with 1 estimated final payment)
    2 Year 2.19% 23 payments of $42.63, 1 of $42.45
    3 Year2.19% 35 payments of $28.73, 1 of $28.53
    4 Year2.49% 47 payments of $21.91, 1 of $21.90
    5 Year2.74% 59 payments of $17.86, 1 of $17.43
    6 Year3.49%71 payments of $15.31, 1 of $14.66
    7 Year4.24% 83 monthly of $13.67, 1 of $13.20
    8 Year6.49% 95 monthly of $13.39, 1 of $12.17

    *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* Payment Example (Based on $1000; Monthly with 1 estimated final payment)
    2 Year 2.19% 23 payments of $42.63, 1 of $42.45.
    3 Year 2.19% 35 payments of $28.73, 1 of $28.53
    4 Year2.49% 47 payments of $21.91, 1 of $21.90
    5 Year2.74% 59 payments of $17.86, 1 of $17.43
    6 Year3.49% 71 payments of $15.31, 1 of $14.66
    7 Year4.49% 83 payments of $13.90, 1 of $13.44

    *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* 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
    3 Year2.69% 35 monthly payments of $28.95 + 1 of $28.65
    4 Year2.99% 47 monthly payments of $22.13 + 1 of $22.01
    5 Year3.24% 59 monthly payments of $18.08 + 1 of $17.68

    *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

    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, PHFCU Online Banking offers FREE Bill Pay where payments can be set up as a 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 PHFCU loan, you can opt for Automatic Payments, which will electronically transfer funds from your PHFCU account to your loan. Choose from payroll deduction, automatic transfer from another account at PHFCU though PHFCU Online, 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

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