REFINANCE YOUR CAR LOAN & SAVE
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
Refinance your car loan from another lender to Pearl Hawaii may help you lower your interest rate or decrease your monthly payment. Also, depending on the term you select, you could pay off your auto loan sooner.
- Easy application process. Apply anywhere you have a device or visit one of our locations in Waipahu, Honolulu, Pearl Harbor, Waianae, or Ewa Beach.
- Competitive, low rates
- Low monthly payments
- 24/7 access with Pearl Hawaii’s innovative services
CALCULATE YOUR PAYMENT WITH OUR AUTO LOAN CALCULATOR WHEN YOU REFINANCE TO PEARL HAWAII
Monthly Payment
AUTO REFINANCE LOAN RATES
New Auto Loan Rates
| Terms | APR* AS LOW AS | Payment Example (Based on $1000; Monthly with 1 estimated final payment) | |
|---|---|---|---|
| 2 Year | 5.75% | 23 payments of $44.21, 1 of $44.00 | apply |
| 3 Year | 5.75% | 35 payments of $30.31, 1 of $30.16 | apply |
| 4 Year | 5.75% | 47 payments of $23.37, 1 of $23.26 | apply |
| 5 Year | 6.00% | 59 payments of $19.33, 1 of $19.24 | apply |
| 6 Year | 6.25% | 71 payments of $16.69, 1 of $16.60 | apply |
| 7 Year | 7.50% | 83 monthly of $15.34, 1 of $15.24 | apply |
| 8 Year | 8.50% | 95 payments of $14.39, 1 of $14.29 | 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. Rates current as of 12/1/23.
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.
WHY REFINANCE YOUR AUTO LOAN
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.
Lower Interest Rate
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.
Decrease Your Car Payment
If refinancing your auto loan brings your interest rate down, it could mean your monthly payment will also go down.
Shorter Loan Terms
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
NEED HELP WITH YOUR NEXT CAR?
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 trucks, cars, and motorcycles, if you need to refinance a high interest loan, buyout your lease, or need a cash back auto loan – we can help.
If you need to borrow money, we can 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). Our team is ready to look at your financial situation and recommend the best option for you. You can also apply online to get started…
SOME REASONS WHY YOU WANT TO REFINANCE YOUR CAR LOAN
IF YOU ANSWER YES TO…
- Your credit score has increased since taking out your auto loan
- You discover that you’re qualified for better financing terms
- Your monthly car payments are higher than what you’re comfortable paying
DO NOT REFINANCE IF…
- You have already paid off a good portion of your existing car loan
- You have no car loan
- Your interest rate is already low
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 trucks, cars, and motorcycles, if you need to refinance a high interest loan, buyout your lease, or need a cash back auto loan – we can help.
- 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
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 MyFamily@phfcu.com.
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