REFINANCE YOUR CAR LOAN & SAVE
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
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 | 5.50% | 23 payments of $44.10, 1 of $43.89 | apply |
| 3 Year | 5.50% | 35 payments of $30.20, 1 of $30.06 | apply |
| 4 Year | 5.50% | 47 payments of $23.26, 1 of $23.15 | apply |
| 5 Year | 5.50% | 59 payments of $19.10, 1 of $19.01 | apply |
| 6 Year | 6.00% | 71 payments of $16.57, 1 of $16.49 | apply |
| 7 Year | 7.00% | 83 monthly of $15.09, 1 of $15.01 | 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.
Used 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 | 5.75% | 59 payments of $19.22, 1 of $19.13 | apply |
| 6 Year | 6.50% | 71 payments of $16.81, 1 of $16.72 | apply |
| 7 Year | 8.00% | 83 payments of $15.59, 1 of $15.48 | 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)
| Terms | APR* AS LOW AS | Payment Example (Based on $1000; Monthly with 1 estimated final payment) | |
|---|---|---|---|
| 2 Year | 6.00% | 23 monthly payments of $44.32 + 1 of $44.10 | apply |
| 3 Year | 6.00% | 35 monthly payments of $30.42 + 1 of $30.27 | apply |
| 4 Year | 6.25% | 47 monthly payments of $23.60 + 1 of $23.48 | apply |
| 5 Year | 6.25% | 59 monthly payments of $19.45 + 1 of $19.35 | 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.
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
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
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.
VEHICLE LOANS | LET’S GET STARTED
You can finish your car loan app right here online, from the comfort of your couch.