Refinance My Car
Refinance Your Car and Save
We'll help you get you a better deal on your car loan
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Refinance My Car
Refinancing a vehicle loan from another institution to Pearl Hawaii can be a great way to save on the vehicle you already own.- Refinancing for new and used vehicles
- Reduce your interest rate
- Lower your monthly payments
I refinanced to Pearl Hawaii and they literally saved me hundreds off the rate of the loan and thousands on my emergency repair. What a difference!
– Amanda
Refinancing helps you keep the vehicle you love — and save more
Is your auto loan with someone else? When you refinance with us, we’ll give you $100 in cash… not to mention a better rate!
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Monthly Payment
Refinanced Amount$Rate (APR)%Used Auto Loan Rates
Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment) 2 Year 6.50% 23 payments of $44.55, 1 of $44.31 apply 3 Year 6.50% 35 payments of $30.65, 1 of $30.48 apply 4 Year 6.50% 47 payments of $23.71, 1 of $23.59 apply 5 Year 6.75% 59 payments of $19.68, 1 of $19.57 apply 6 Year 7.25% 71 payments of $17.17, 1 of $17.07 apply 7 Year 8.50% 83 payments of $15.84, 1 of $15.73 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 105% 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. Rates current as of 12/1/23.
Used Auto Loans (Vehicles between 8 to 12 model years old)
Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment) 2 Year 6.75% 23 monthly payments of $44.66 + 1 of $44.41 apply 3 Year 6.75% 35 monthly payments of $30.76 + 1 of $30.59 apply 4 Year 7.00% 47 monthly payments of $23.95 + 1 of $23.81 apply 5 Year 7.25% 59 monthly payments of $19.92 + 1 of $19.80 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. Rates current as of 12/1/23.
- 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