VEHICLE LOANS FOR EVERY NEED
We can help you buy whatever auto you’re after no matter your needs or budget with a Pearl Hawaii Vehicle Loan. 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. From trucks, cars, and motorcycles, if you need to refinance a high interest loan, buyout your lease, or need a cash back auto loan – we can help.
- First-Time Car Buyer? We May Be Able To Help!
- New Vehicles – up to 8 Year Terms
- Used Vehicles (up to 7 Model Years or Newer) – up to 7 Year Terms
- Used Vehicles (8-12 Model Year Vehicles) – up to 5 year Terms
- Sign and Drive the Same Day
- Get a Loan Within Your Budget With Pre-Approval
- No Prepayment Penalties
- Start Shopping Now
- Refinance Your Current Auto Loan
apply for a loan open an account
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.
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, check out our lease buyout rates, and apply. If need a little more information, learn how to purchase a leased vehicle.
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.
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.
- Convenient – have your financing in place before you go to the dealer.
- Get a great rate, which is valid for 30 days – shop at your own pace.
- Good for either new or used vehicles.
- Using a PAL Certificate is easy! Simply show the dealer your PAL Certificate once you find the car of your choice.
- Guaranteed Asset Protection (GAP) and Vehicle Service Contracts- Purchase can be included as part of your pre-approved loan amount.
- Increased buying power by receiving a complimentary vehicle MSRP/KBBR value look up.
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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
- Auto Loans – New, Used, Or Refinance
- Tips & Tools For Pearl Hawaii Car Shoppers
- Auto Loans – New, Used, Or Refinance
- Financing For New & Used Cars
- Vehicle Loans For Every Need
- How To Buy Your Leased Car
- Refinance With Pearl Hawaii
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VEHICLE LOANS | CALCULATORS
AUTO LOAN CALCULATOR
Monthly Payment
Cost of car$Rate (APR)%MOTORCYCLE LOAN CALCULATOR
Monthly Payment
Cost of motorcycle$Rate (APR)%- 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
A | Visit us in Waipio, Waianae, Ewa, Honolulu, Pearl Harbor, or the Airport. You can also apply online or by phone by calling 808.737.4328 (73-PHFCU).A | Contact us at 808-73-PHFCU (737-4328).A | The parts listed below are covered should they become worn during the vehicle service agreement term. Brake Pad – One replacement of a set of front and/or rear brake pads. Brake rotors will be replaced in conjunction with the replacement of brake pads if the thickness of the brake rotor is less than the manufacturer’s minimum specification. Battery – One replacement of a battery or the difference between the manufacturer’s prorated reimbursement and the total cost of the battery (does not include any Lithium-ion or hybrid batteries). Headlamp Bulbs – Unlimited replacement of the headlamp bulbs. Impact damage is not covered. Belts and Hoses – Replacement of engine belts and hoses including vacuum pump belt, serpentine belt, power steering belt, alternator belt, supercharger belt, AIR pump belt, air conditioner belt, water pump belt, heater hose, bypass hose, throttle body hose, upper and lower radiator hoses, air conditioning hose, power steering pressure and return hose, air hose, washer hoses, vacuum hoses, and fuel hoses. Windshield Wiper Blade – One replacement of a set of front and/or rear windshield wiper blades and/or inserts. Electrical – Unlimited coverage of fuses, interior and exterior light bulbs including but not limited to: turn signal bulbs, engine compartment lights, running lights, fog lights, stop lights, backup lights, license plate lights, parking lights, trunk lights, dome light, courtesy light, visor light, map light, and glove box light. Impact damage is not covered. Wheel Alignment – One wheel alignment.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.A: You may file a dispute with the Credit Bureaus or contact us to review your account.
NEED TO CONTACT US?
Call us at 808.737.4328 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 at 808.737.4328 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.
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