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Pearl Hawaii Credit Union
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You're welcome in advance

We'll get you a better deal on your car loan before you can say Mahalo nui loa.

Refinance to PHFCU

    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. You never know.  
    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!
    • Get a lower interest rate.
    • Lower your monthly payments
    • With a lower interest rate, you can reduce your monthly payment
    • Earn $100*
    • Excellent rates that beat industry averages
    • Terms up to 7 years for 7 model years or newer
    • Terms up to 5 years for 8 to 12 model years
    • No prepayment penalties


    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

    Pearl Hawaii Is Here To Help 

    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 truckscars, and motorcycles, if you need to refinance a high interest loan, buyout your lease, or need a cash back auto loan  – we can help.



    By refinancing, you’re taking out a new loan with different terms to pay off your existing loan. This may help you save money by reducing your interest rate, decreasing your monthly payments, or both.


    Refinancing your car loan may lower your interest rate, which means a lower monthly payment and that you’ll pay less interest over the duration of your loan. If your credit score has improved, you may get a lower rate and a lower monthly payment by refinancing.


    If refinancing your auto loan brings your interest rate down, it could mean your monthly payment will also go down.


    A shorter auto loan term means you can pay off your car sooner. A shorter loan could also mean you pay less in overall interest



    Refinance Special


    With our Car Refinance Loan Special, refinancing has never been so easy and rewarding! Let us help you pay off your existing loan and help you by putting more money in your pocket with our competitive rates. Because our members are owners, we’re able to pass along our profits to you at better rates. Additionally, we never charge an application fee.






  • 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.

Upgrade you.

Building trust, nurturing dreams, inspiring hope. From home or car loans to Hawaii’s most innovative banking services, Pearl Hawaii is committed to you. 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 ABOUT | COMMUNITIES FAQs | JOIN | JOBS | THE PEARL | UPGRADE