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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
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Vehicle Loans For Every Need

Car | Truck | Motorcycle | Refinance | New & Used

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Refinance My Car
  • Overview

    VEHICLE LOANS FOR EVERY NEED

    Pearl Hawaii can help you buy whatever vehicle loan you’re after no matter your needs or budget. We also have pre-approval options so you’ll be ready at the dealership with funding and a big grin. It’s hard to explore without a trusty companion.

    Let us help put you in the driver’s seat. The car you want is within reach with our low rates. Feel confident at the dealership knowing what you can afford and what you should be paying.  apply

    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. details  apply

    You don’t have to be wealthy to own your own bike. All you need is the right lending partner by your side. We’ll get you set up with fair motorcycle loans that are easy to apply for and easy to pay off. details  apply

    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. details  apply

    Our Credit Create suite gets you instantly set up with your very own checking and savings account, no history needed. You’ll also be eligible for one of our snazzy auto loans, as well as your own credit card. details  apply

    AUTO LOAN PRODUCTS TO GET YOU MOVING

    AUTO LOAN RESOURCES 

    NOT ONLY DID THEY SAVE ME MONEY, I GOT MY CAR LOAN QUICK. I HAD A TRUCK BY THE END OF THE DAY. – JOSH

    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.

    Get an answer to your Auto Loan Loan fast

    Our loan applications are quick and stress-free. First, just give us a little info about yourself. Next, we’ll get back to you right away. Easy-peasy.

    Apply Now
  • Rates & Calculators

    New Auto Loan Rates

    TermsAPR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
    2 Year 4.25% 23 payments of $43.54, 1 of $43.38 apply
    3 Year4.25% 35 payments of $29.64, 1 of $29.53 apply
    4 Year4.25% 47 payments of $22.69, 1 of $21.61apply
    5 Year4.25% 59 payments of $18.53, 1 of $18.46 apply
    6 Year4.50%71 payments of $15.87, 1 of $15.81 apply
    7 Year5.50% 83 monthly of $14.37, 1 of $14.30 apply
    8 Year8.00% 95 payments of 14.14, 1 of $14.04 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 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 4.50% 23 payments of $43.65, 1 of $43.48 apply
    3 Year 4.50% 35 payments of $29.75, 1 of $29.64 apply
    4 Year4.50% 47 payments of $22.80, 1 of $22.72 apply
    5 Year4.50% 59 payments of $18.64, 1 of $18.57 apply
    6 Year5.00% 71 payments of $16.10, 1 of $16.04 apply
    7 Year6.25% 83 payments of $14.73, 1 of $14.65 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.

    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 4.75% 23 monthly payments of $43.76 + 1 of $43.59 apply
    3 Year4.75% 35 monthly payments of $29.86 + 1 of $29.74 apply
    4 Year5.00% 47 monthly payments of $23.03 + 1 of $22.93 apply
    5 Year5.00% 59 monthly payments of $18.87 + 1 of $18.79apply

    *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.

    New Motorcycles

    TermsAPR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
    2 Year 4.25% 23 monthly payments of $43.54, 1 of $43.44 apply
    3 Year4.50% 35 monthly payments of $29.75, 1 of $29.61 apply
    4 Year4.75% 47 monthly payments of $22.92, 1 of $22.75 apply
    5 Year5.25% 59 monthly payments of $18.99, 1 of $18.68 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. Up to 100% financing available for up to five (5) years, not to exceed $25,000.00 of most recent Kelley Bluebook Retail Value (used) and MSRP (new). Motorcycle 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. The primary borrower must be licensed with a valid class 2 operator’s license. Unacceptable security: Mopeds, nopeds, and motor scooters, as well as all off-road vehicles, including but not limited to all-terrain vehicles and dirt bikes. Motorcycles must be registered and licensed in the state of Hawai’i.

    Used Motorcycles

    Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
    2 Year 4.75% 23 monthly payments of $43.76, 1 of $43.74 apply
    3 Year5.00% 35 monthly payments of $29.98, 1 of $29.66 apply
    4 Year5.25% 47 monthly payments of $23.15, 1 of $22.74 apply
    5 Year 6.25% 59 monthly payments of $19.45, 1 of $19.39 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. Up to 100% financing available for up to five (5) years, not to exceed $25,000.00 of most recent Kelley Bluebook Retail Value (used) and MSRP (new). Motorcycle 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. The primary borrower must be licensed with a valid class 2 operator’s license. Unacceptable security: Mopeds, nopeds, and motor scooters, as well as all off-road vehicles, including but not limited to all-terrain vehicles and dirt bikes. Motorcycles must be registered and licensed in the state of Hawai’i.

    Payment

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    This calculation represents an estimate

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