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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
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Personal Loans

Let's Get Personal...

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Our personal loans come with many options. With a variety of terms and payment plans, you can find a loan for whatever your lifestyle or financial situation needs. We can cover everything from taxes to shiny new smartphones to medical expenses. Ultimately, no matter what your dream or emergency, we want to help you along the way.

  • Terms up to 7 years
  • Loans from $200 up to $30,000
  • Competitive rates

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With a debt consolidation loan, you can consolidate high-interest debt into one easy low-rate payment. Pearl Hawaii will help free you from your high-interest credit cards and other debt. By consolidating it into one fixed monthly payment that you can afford, you can live a little happier.

EMERGENCY LOANS details | apply rates

We’ll get it to you at a moment’s notice. If you’re concerned about utilities turning off, pricey car repairs, or unexpected moving expenses— come to us for emergency loans.

SMART ADVANCE details | apply | rates

This small, short-term loan is a lot like a payday loan in the sense that you can get your money fast. However, it also comes with a much lower rate and minimal fees. Plus, the longer term will leave you with room to breathe.

SECURED PERSONAL LOANS details | apply | rates

Pearl Hawaii’s Secured Personal Loans are loans that are secured by the amount you have on deposit or your car. With Savings and Certificate Secured, the funds are kept in your account for a specific period of time based on the terms of the loan.  The money collects interest while in the account, which will offset the interest charged on the loan. Build good credit while getting a low rate that won’t break the bank. It works much like a personal loan and is available to help people with a variety of expenses. When the loan is paid off, you can utilize the funds in your account or the certificate can be redeemed.

  • Certificate Secured
    Personal Loan
  • Savings Secured
  • Auto Secured


Student loans from Pearl Hawaii Federal Credit Union in partnership with Sallie Mae® could help. Whether you’re an undergraduate or graduate student these flexible loans are designed to meet your needs.

TAX LOANS details | apply rates

If you struggle to pay taxes on time or simply want to protect your emergency fund from a big lump expense, we can help. Our reasonable tax loans let you keep your head at tax time— and your extra cash.


Linked to a Pearl Hawaii checking account, this provides coverage by shifting funds from the loan to your account. Additionally, the credit limits range from $300 up to a maximum of $5,000, which you can base on your credit needs.





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