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Pearl Hawaii Credit Union
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Personal Loan Special

Personal Loan Special


Quick access to cash with a low-interest rate and affordable payments. In just a few easy steps you can have extra cash to cover expenses by opening a new personal loan.



  • Home improvements
  • Pay down high rate credit cards or loans
  • Travel
  • Consolidate debt
  • Education
  • Medical Emergencies
  • or whatever you need


If you need to borrow money, a personal loan could likely help you. If you’re still not sure whether a loan is a right option for you, call us at 808.73.PHFCU (737.4328) or visit one of our locations on Oahu (Waipio, Waianae, Ewa Beach, Honolulu,  Airport, and Pearl Harbor). Pearl Hawaii is a trusted lender of personal loans on Oahu. Our team is ready to look at your financial situation and recommend the best option for you.


If you are ready, let’s get started: Apply



Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
1 Year8.00%11 monthly payments of $86.99 + 1 of $86.41 apply
2 Year8.50% 24 monthly payments of $45.45 apply
3 Year8.75% 35 monthly payments of $31.68 + 1 of $31.45 apply
4 Year9.00% 47 monthly payments of $24.89 + 1 of $24.70 apply
5 Year9.50% 59 monthly payments of $21.00 + 1 of $20.84 apply
6 Year11.00% 71 monthly payments of $19.03 + 1 of $18.86 apply
7 Year15.00% 83 monthly payments of $19.30 + 1 of $19.06 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. Rates are current as of 2/1/24.






Q| What type of collateral do I need to provide for a personal loan?
A| Pearl Hawaii Personal Loans are considered unsecured loans and also called a signature loans so no collateral is needed. Call or email a specialist for more information.


Q| Can I pay off my loan quicker than the payment schedule?
A| Yes. With Pearl Hawaii, there are no prepayment penalties for paying off your loan faster than your payment schedule. In fact, it’s a great way to save on interest over the long run.


Q| Do you offer a debt protection plan?
A| Yes, we offer a debt protection benefit plan in the event of death, disability, or involuntary unemployment. Speak with your Loan Officer for additional details.