Credit union · NCUA insured
Pearl Hawaii Auto Loan Rates
Pearl Hawaii auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 15, 2026.
How Pearl Hawaii’s auto loan rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Pearl Hawaii has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Pearl Hawaii
5.00%APR
- Terms
- up to 60 months
New Auto Loan
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Hawaii Law Enforcement Federal Credit Union
4.25%APR
- Terms
- up to 84 months
Pearl Hawaii auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Pearl Hawaii ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Refinance Loan
Refinance car loan from another lender. Includes $100 cash offer. New and used auto rate schedules apply based on vehicle age (new up to 8 years, used up to 7 model years or newer up to 7 years, used 8-12 model years up to 5 years). No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.00% | New Auto Refinance: 2 Year Term. "A" Tier rate. Payment example based on $1000: 23 payments of $43.87, 1 of $43.69. |
| up to 36 months | 5.00% | New Auto Refinance: 3 Year Term. "A" Tier rate. Payment example based on $1000: 35 payments of $29.97, 1 of $29.85. |
| up to 48 months | 5.00% | New Auto Refinance: 4 Year Term. "A" Tier rate. Payment example based on $1000: 47 payments of $23.03, 1 of $22.93. |
| up to 60 months | 5.00% | New Auto Refinance: 5 Year Term. "A" Tier rate. Payment example based on $1000: 59 payments of $18.87, 1 of $18.79. |
| up to 72 months | 5.00% | New Auto Refinance: 6 Year Term. "A" Tier rate. Payment example based on $1000: 71 payments of $16.10, 1 of $16.04. |
| up to 84 months | 6.00% | New Auto Refinance: 7 Year Term. "A" Tier rate. Payment example based on $1000: 83 monthly of $14.61, 1 of $14.54. |
| up to 96 months | 8.50% | New Auto Refinance: 8 Year Term. "A" Tier rate. Payment example based on $1000: 95 payments of $14.39, 1 of $14.29. |
| up to 72 months | 5.50% | Used Auto Refinance (up to 7 model years or newer): 6 Year Term. "A" Tier rate. Payment example based on $1000: 71 payments of $16.34, 1 of $16.26. |
| up to 84 months | 6.50% | Used Auto Refinance (up to 7 model years or newer): 7 Year Term. "A" Tier rate. Payment example based on $1000: 83 payments of $14.85, 1 of $14.77. |
| up to 24 months | 6.75% | Used Auto Refinance (8 to 12 model years old): 2 Year Term. "A" Tier rate. Payment example based on $1000: 23 monthly payments of $44.66 + 1 of $44.41. |
| up to 36 months | 6.75% | Used Auto Refinance (8 to 12 model years old): 3 Year Term. "A" Tier rate. Payment example based on $1000: 35 monthly payments of $30.76 + 1 of $30.59. |
| up to 48 months | 7.00% | Used Auto Refinance (8 to 12 model years old): 4 Year Term. "A" Tier rate. Payment example based on $1000: 47 monthly payments of $23.95 + 1 of $23.81. |
| up to 60 months | 7.25% | Used Auto Refinance (8 to 12 model years old): 5 Year Term. "A" Tier rate. Payment example based on $1000: 59 monthly payments of $19.92 + 1 of $19.80. |
Sources (1)
- pearlhawaii.com/loans/vehicle-loans · captured Oct 3, 2026
Lease Buyout Loan
Used to purchase vehicle at the end of lease. Follows Used Auto Loan rate schedules (vehicles up to 7 model years old up to 7 year terms, vehicles 8 to 12 model years old up to 5 year terms).
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.00% | Lease Buyout (vehicles up to 7 model years or newer): 2 Year Term. "A" Tier rate. Payment example based on $1000: 23 payments of $43.87, 1 of $43.69. |
| up to 36 months | 5.00% | Lease Buyout (vehicles up to 7 model years or newer): 3 Year Term. "A" Tier rate. Payment example based on $1000: 35 payments of $29.97, 1 of $29.85. |
| up to 48 months | 5.00% | Lease Buyout (vehicles up to 7 model years or newer): 4 Year Term. "A" Tier rate. Payment example based on $1000: 47 payments of $23.03, 1 of $22.93. |
| up to 60 months | 5.00% | Lease Buyout (vehicles up to 7 model years or newer): 5 Year Term. "A" Tier rate. Payment example based on $1000: 59 payments of $18.87, 1 of $18.79. |
| up to 72 months | 5.50% | Lease Buyout (vehicles up to 7 model years or newer): 6 Year Term. "A" Tier rate. Payment example based on $1000: 71 payments of $16.34, 1 of $16.26. |
| up to 84 months | 6.50% | Lease Buyout (vehicles up to 7 model years or newer): 7 Year Term. "A" Tier rate. Payment example based on $1000: 83 payments of $14.85, 1 of $14.77. |
| up to 24 months | 6.75% | Lease Buyout (vehicles 8 to 12 model years old): 2 Year Term. "A" Tier rate. Payment example based on $1000: 23 monthly payments of $44.66 + 1 of $44.41. |
| up to 36 months | 6.75% | Lease Buyout (vehicles 8 to 12 model years old): 3 Year Term. "A" Tier rate. Payment example based on $1000: 35 monthly payments of $30.76 + 1 of $30.59. |
| up to 48 months | 7.00% | Lease Buyout (vehicles 8 to 12 model years old): 4 Year Term. "A" Tier rate. Payment example based on $1000: 47 monthly payments of $23.95 + 1 of $23.81. |
| up to 60 months | 7.25% | Lease Buyout (vehicles 8 to 12 model years old): 5 Year Term. "A" Tier rate. Payment example based on $1000: 59 monthly payments of $19.92 + 1 of $19.80. |
Sources (1)
- pearlhawaii.com/loans/vehicle-loans · captured Oct 3, 2026
New Auto Loan
Rates advertised are "A" Tier loan rates in Multi-Tiered Loan Rate Program. Other rates and terms are available. Borrower must be 18 years of age or older. May not be used for a business loan. Up to 120% of MSRP. Requires full coverage insurance policy listing Pearl Hawaii FCU as loss payee, with maximum deductible of $500 for comprehensive and collision.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.00% | 2 Year Term. "A" Tier rate. Payment example based on $1000: 23 payments of $43.87, 1 of $43.69. |
| up to 36 months | 5.00% | 3 Year Term. "A" Tier rate. Payment example based on $1000: 35 payments of $29.97, 1 of $29.85. |
| up to 48 months | 5.00% | 4 Year Term. "A" Tier rate. Payment example based on $1000: 47 payments of $23.03, 1 of $22.93. |
| up to 60 months | 5.00% | 5 Year Term. "A" Tier rate. Payment example based on $1000: 59 payments of $18.87, 1 of $18.79. |
| up to 72 months | 5.00% | 6 Year Term. "A" Tier rate. Payment example based on $1000: 71 payments of $16.10, 1 of $16.04. |
| up to 84 months | 6.00% | 7 Year Term. "A" Tier rate. Payment example based on $1000: 83 monthly of $14.61, 1 of $14.54. |
| up to 96 months | 8.50% | 8 Year Term. "A" Tier rate. Payment example based on $1000: 95 payments of $14.39, 1 of $14.29. |
New Motorcycles
Up to 100% financing available for up to 5 years, not to exceed $25,000.00 of MSRP. Requires full coverage insurance policy, listing Pearl Hawaii FCU as loss payee, with maximum deductible of $500 for comprehensive and collision. Primary borrower must be licensed with valid class 2 operator's license. Motorcycles must be registered and licensed in Hawai'i. Unacceptable security: mopeds, nopeds, motor scooters, off-road vehicles (including ATVs and dirt bikes). Borrower must be 18 years of age or older. May not be used for a business loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 7.00% | 2 Year Term. Payment example based on $1000: 23 monthly payments of $44.77, 1 of $44.51. |
| up to 36 months | 7.00% | 3 Year Term. Payment example based on $1000: 35 monthly payments of $30.88, 1 of $30.70. |
| up to 48 months | 7.25% | 4 Year Term. Payment example based on $1000: 47 monthly payments of $24.06, 1 of $23.92. |
| up to 60 months | 7.50% | 5 Year Term. Payment example based on $1000: 59 monthly payments of $20.04, 1 of $19.91. |
Sources (1)
- pearlhawaii.com/loans/vehicle-loans · captured Oct 3, 2026
Used Auto Loan
Vehicles up to 7 model years or newer. Rates advertised are "A" Tier loan rates in Multi-Tiered Loan Rate Program. Up to 105% of Kelley Blue Book Karpower Retail Value +/- value of mileage. Hawaii registered vehicles only. Borrower must be 18 years of age or older. May not be used for a business loan. Auto loans require a full coverage insurance policy, listing Pearl Hawaii FCU as loss payee, with maximum deductible of $500 for comprehensive and collision.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.00% | 2 Year Term. "A" Tier rate. Payment example based on $1000: 23 payments of $43.87, 1 of $43.69. |
| up to 36 months | 5.00% | 3 Year Term. "A" Tier rate. Payment example based on $1000: 35 payments of $29.97, 1 of $29.85. |
| up to 48 months | 5.00% | 4 Year Term. "A" Tier rate. Payment example based on $1000: 47 payments of $23.03, 1 of $22.93. |
| up to 60 months | 5.00% | 5 Year Term. "A" Tier rate. Payment example based on $1000: 59 payments of $18.87, 1 of $18.79. |
| up to 72 months | 5.50% | 6 Year Term. "A" Tier rate. Payment example based on $1000: 71 payments of $16.34, 1 of $16.26. |
| up to 84 months | 6.50% | 7 Year Term. "A" Tier rate. Payment example based on $1000: 83 payments of $14.85, 1 of $14.77. |
Used Auto Loans (Vehicles Between 8 to 12 Model Years Old)
Vehicles between 8 to 12 model years old (may not be older than 12 model years old). Rates advertised are "A" Tier loan rates in Multi-Tiered Loan Rate Program. Up to 100% of Kelley Bluebook Karpower Retail Value +/- value of mileage. Hawaii registered vehicles only. Borrower must be 18 years of age or older. May not be used for a business loan. Auto loans require a full coverage insurance policy, listing Pearl Hawaii FCU as loss payee, with maximum deductible of $500 for comprehensive and collision.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.75% | 2 Year Term. "A" Tier rate. Payment example based on $1000: 23 monthly payments of $44.66 + 1 of $44.41. |
| up to 36 months | 6.75% | 3 Year Term. "A" Tier rate. Payment example based on $1000: 35 monthly payments of $30.76 + 1 of $30.59. |
| up to 48 months | 7.00% | 4 Year Term. "A" Tier rate. Payment example based on $1000: 47 monthly payments of $23.95 + 1 of $23.81. |
| up to 60 months | 7.25% | 5 Year Term. "A" Tier rate. Payment example based on $1000: 59 monthly payments of $19.92 + 1 of $19.80. |
Sources (1)
- pearlhawaii.com/loans/vehicle-loans · captured Oct 3, 2026
Used Motorcycles
Up to 100% financing available for up to 5 years, not to exceed $25,000.00 of most recent Kelley Bluebook Retail Value. Requires full coverage insurance policy, listing Pearl Hawaii FCU as loss payee, with maximum deductible of $500 for comprehensive and collision. Primary borrower must be licensed with valid class 2 operator's license. Motorcycles must be registered and licensed in Hawai'i. Unacceptable security: mopeds, nopeds, motor scooters, off-road vehicles (including ATVs and dirt bikes). Borrower must be 18 years of age or older. May not be used for a business loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 7.50% | 2 Year Term. Payment example based on $1000: 23 monthly payments of $45.00, 1 of $44.72. |
| up to 36 months | 7.50% | 3 Year Term. Payment example based on $1000: 35 monthly payments of $31.11, 1 of $30.91. |
| up to 48 months | 7.75% | 4 Year Term. Payment example based on $1000: 47 monthly payments of $24.30, 1 of $24.14. |
| up to 60 months | 8.00% | 5 Year Term. Payment example based on $1000: 59 monthly payments of $20.28, 1 of $20.14. |
Sources (1)
- pearlhawaii.com/loans/vehicle-loans · captured Oct 3, 2026
Who can join Pearl Hawaii
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school on O’ahu are eligible for membership.
Family and household
- Family members (spouse, child, parent, grandparent, grandchild, sibling, or related through a step, adoptive, or foster relationship) of someone who lives, works, worships, or attends school on O’ahu are eligible for membership.
- Household members of someone who lives, works, worships or attends school on O’ahu are eligible for membership.
Cost to join
- Opening an account requires $5.00.
Membership information collected October 4, 2026.