Personal Loans
More options than a Plate Lunch: a Personal Loan for literally anything
Your Personal Loan, Your Personal Way
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.
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Terms up to 7 years
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Loans from $200 up to $30,000
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Competitive rates
Personal Loan Rates
| Terms | APR* As Low As | Payment Example (Based on $1000; Monthly with 1 estimated final payment) | |
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1 Year |
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2 Year |
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3 Year |
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4 Year |
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5 Year |
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6 Year |
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7 Year |
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Rates effective as of: April 3, 2025
*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.
Rates As Low As
Monthly Payment
Debt Consolidation
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.
details on debt consolidation | apply | rates
Emergency Loans
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.
Secured Personal Loans
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
• Savings Secured
• Auto Secured
Student Loans
Graduation is coming soon and student loans from Pearl Hawaii Federal Credit Union in partnership with Sallie Mae® could help.
For those attending a degree-granting institution
Whether you’re an undergraduate or graduate student these flexible loans are designed to meet your needs.
Tax Loans
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.
details | apply | rates
Overdraft Line-Of-Credit
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 off your credit needs.
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- Debt Consolidation
- Emergency Loans
- Home Improvement
- Medical Bills
- Taxes
- Big Purchases
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.
About | FAQs | Join | Jobs
Get an Answer to Your Personal Loan Fast
Our loan applications are quick and stress-free. First, just give us a little info about yourself. Next, we’ll get back to you right away. Easy-peasy.
The staff is always super helpful. Above all, I always appreciate how hard the loan officers work to make sure I get approved for the personal loan that I need.
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*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
Personal Loan Rates
| Terms | APR* As Low As | Payment Example (Based on $1000; Monthly with 1 estimated final payment) | |
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1 Year |
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Apply |
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2 Year |
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Apply |
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3 Year |
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Apply |
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4 Year |
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Apply |
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5 Year |
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Apply |
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6 Year |
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Apply |
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7 Year |
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Apply |
Rates effective as of: April 3, 2025
*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.
Debt Consolidation
Simplify Your Life With a Debt Consolidation Loan
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, personal loans, and other debt. By consolidating it into one fixed monthly payment that you can afford, you can live a little happier.
No collateral needed
Competitive low rates
Short, manageable terms
One simple application
Applying for a debt consolidation loan takes only a minute. You tell us what type of loan you’re looking for, answer a few questions, and submit.
One Single Fixed Interest Rate + One Single Convenient Payment
Keeping track of when and which payments to prioritize every month gets old quick. Simply, combine all your debt into one single monthly payment. Additionally, your loan is fixed. You’ll know exactly what your monthly payments are and how many of them you’ll need to make. Say goodbye to managing several payment dates, different loan amounts, and dealing with several lenders.
Debt Consolidation Benefits
1 | Get a Lower Interest Rate- By lowering your rate, you save yourself years off debt repayment, which helps you save a significant amount of money.
2 | Life just got easier- With one payment, you save time and there is less stress.
3 | Improved Credit- If you have maxed out your credit cards, it can negatively impact your score. The best way to improve your credit score is to eliminate your credit card debt completely.
You’re just a few clicks away
You can finish your debt consolidation loan application right here online.
Emergency Loans
Sometimes You Need Money Right Away
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.
No fees
Low rates
Fast approvals
We’re Here for You
We are here to work with you, even if your circumstances are less than perfect.
Secured Personal Loans
Benefits of A Secured Personal Loan
Pearl Hawaii’s Secured Personal Loans* are loans that are secured by the amount available on deposit or your vehicle. Essentially, 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.
For certificate or savings secured, the funds are held as collateral 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.
Savings Secured
- Borrow against your Pearl Hawaii savings account to receive a low-rate loan while still earning interest on your financial resources on deposit
- A portion of funds is released with each payment made
- Credit check not required
- Verification of income not required
- Loans are secured by available funds in your savings account
- A good alternative to paying higher-cost credit card debt
- An easy application process with no credit review
- Continue to accrue dividends during the loan period
- Affordable credit life and disability insurance** available
Certificate Secured
- Borrow against your Pearl Hawaii certificate and receive a low-rate loan while still earning interest on your financial resources on deposit
- Funds held as security may be used to pay off the remaining balance of the loan at the time of the certificate maturity unless the loan is refinanced or paid in full
- Credit check not required
- Verification of income not required
- Loans are secured by available funds in your certificate
- A good alternative to paying higher-cost credit card debt
- An easy application process with no credit review
- Continue to accrue dividends during the loan period
- Affordable credit life and disability insurance** available
Auto Secured
- Borrow against your vehicle and receive a low-rate loan while still earning interest on your financial resources on deposit
- The Certificate of Title will be released to the borrower when the loan is paid in full.
- A good alternative to paying higher-cost credit card debt
- An easy application process
- Affordable credit life and disability insurance** available
Overall, Secured Personal Loans can help you build your credit history or repair bad credit faster. While this can be an advantage, you also need to carefully consider whether you can repay the loan and whether you can lose the asset you’re using as collateral. Generally, the ultimate goal should be to rely as little as possible on debt.
| Account Type | Rate | Term | Minimum Loan Amount | Maximum Loan Amount | Percentage that We Match | |
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Savings Secured |
2.50% Above Dividend Rate |
1 to 5 year terms |
none |
$100,000 |
100% |
Apply |
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Certificate Secured |
2.50% Above Current APY* (i.e., Current market rate + 2.00% APY = your rate) |
2 Options
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none |
no limit |
90% |
Apply |
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Auto Secured |
Rates |
up to 7 Years |
$200 |
$30,000 |
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Apply |
*APR = Annual Percentage Rate. APY = Annual Percentage Yield. Conditions may apply.
**The products are optional. Insurance products are not a deposit or obligation of or guaranteed by Pearl Hawaii FCU or its affiliates. These products are not insured or guaranteed by NCUA or any agency of the federal government. Your credit approval cannot be conditioned on whether you purchase any of these insurance products.
Related Links
- Is a Personal Loan Right for Me?
- How Do Personal Loans Work? the Basics
- How Are Personal Loans Different than Other Lending Options?
- Hawaii Secured Personal Loan
- What Are Personal Loans?
- Lets Get Personal
- Is a Personal Loan What You Need?
*APR = Annual Percentage Rate. APY = Annual Percentage Yield. Conditions may apply.
**The products are optional. Insurance products are not a deposit or obligation of or guaranteed by Pearl Hawaii FCU or its affiliates. These products are not insured or guaranteed by NCUA or any agency of the federal government. Your credit approval cannot be conditioned on whether you purchase any of these insurance products.
Student Loans
Get the Money You Need to Help Make Higher Education Happen
Student loans from Pearl Hawaii Federal Credit Union in partnership with Sallie Mae® could help!
For those attending a degree-granting institution Whether you’re an undergraduate or graduate student these flexible loans are designed to meet your needs:
Competitive variable and fixed interest rates
No origination fee or prepayment penalty1
Multiple repayment options
Undergraduate
Smart Option Student Loan® for Undergraduate Students
Pay for your bachelor’s, associate’s, or certificate expenses at a degree-granting school
Graduate
Graduate School Loan
Pay for expenses as you pursue your master’s and doctoral degrees
MBA Loan
Pay for your business school expenses as you pursue your Masters of Business Administration degree
Medical School Loan
Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine
Dental School Loan
Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics
Graduate School Loan for Health Professions
Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health programs
Law School Loan
Pay for your school and associated expenses as you study for your law degree
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Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.
These loans are made by Sallie Mae Bank or a lender partner. Pearl Hawaii Federal Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.
Smart Option Student Loan and graduate loan products: These loans are for students at participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend a participating school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident), and provide an unexpired government-issued photo ID to verify their identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
1 Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
Sallie Mae reserves the right to modify or discontinue products, services, and benefits at any time without notice.
© 2021 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.
Tax Loans
Make Every April a Breeze
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.
Instantly cover big tax expenses
Handle property taxes, income taxes, etc.
Keep things cool with the IRS
Debt Protection
Debt Protection: Your Safeguard Against the Unexpected
Your family means everything to you. And if the unexpected happens, you don’t want an emotionally trying situation to be compounded by financial worry. That’s why there’s Debt Protection, which may cancel an existing loan balance or payments if the unexpected were to happen.
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Easy - Simple to apply for.
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Budget-Friendly - Comfortably fits into your monthly payment.
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Voluntary - Adding it to your loan is voluntary and won't affect your loan approval.
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Puts You at Ease - Rest easy, knowing you could be taken care of in so many problem situations.
Financial Protection for The Unexpected
Protect the ones that matter most. Debt Protection with Life Plus could help your family’s financial situation against a variety of covered life events: Involuntary Unemployment, Disability, Death.
For additional protections, Life Plus can extend your Debt Protection program to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances. For example, accidental dismemberment, terminal illness, hospitalization or family medical leave, death of a non-protected dependent.
Debt Protection can cancel your eligible loan balance or your monthly loan payments, up to the agreement maximum, should you die from a protected illness or injury before paying off your loan.
| When Debt Protection may cancel your loan balance or payments | What Happens | It Cancels | Eligibility |
|---|---|---|---|
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Involuntary Unemployment |
A covered job loss occurs |
Your loan payments |
Are a permanent employee who is actively working* |
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Disability |
A covered disability occurs due to injury or illness |
Your loan payments |
Are a permanent employee who is actively working* |
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Loss of Life |
Protected borrower passes away |
Your loan balance or payments |
Have an eligible loan |
CUNA Mutual Group, Proprietary Data. 2Contract Terms and Maximums apply. The maximum benefit will reduce to 25% of the protected loan balance once a member reaches a certain age. 3One occurrence per rolling 12 months for all events. Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. *Refer to the Member Agreement for complete terms. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
DP-3414687.1-0121-0423 CUNA Mutual Group ©2021, All Rights Reserved.
Let Your Dreams Go On and On – Even when Your Income Doesn’t
You can count on Debt Protection to step in when you and your family need help the most. Pearl Hawaii Federal Credit Union has several options available. Please visit any location or call 808-737-4328 (73-PHFCU) for more information.
Loan Payments
Need to make a Loan Payment?
There Are a Variety of Ways that You Can Make Your Loan Payment
Online
Log into PHFCUOnline and make a transfer into your loan. Easily, make payments by transferring funds from your savings or checking account to your loan accounts through Online and Mobile Banking. You can also set up automatic monthly payments with ease so you won’t have to keep track of due dates and your payments will always arrive on time.
Phone
Call us at 808.737.4328 and make a transfer or pay by Debit or Credit Card (Visa and MasterCard is accepted for a processing fee. You may not pay your Pearl Hawaii loan with a Pearl Hawaii Credit Card).
Send payments to Pearl Hawaii Federal Credit Union, 94-449 Ukee Street, Waipahu, Hawaii 96797.
Visit Us
Visit any Pearl Hawaii location or visit a Shared Branch location.
Automatic Loan Payments
Automatic Loan Payments
Automatic Loan Payments from PHFCU make saving time and money easy!
Don't Miss a Payment Again!
If you have a Pearl Hawaii Federal Credit Union loan or even a loan at another qualifying financial institution, you can sign-up for Automatic Loan Payments to ensure timely and safe payments.
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Make your monthly loan payments through payroll deduction or automatic transfer from your PHFCU checking or savings account.
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Set up Bill Pay on PHFCUOnline to make payments for loans at other institutions.
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Loan payments will be automatically deducted from the account you specify.
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Relax, knowing that your payment is received on time - no more late fees!
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Save money on stamps and envelopes
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Save time - forget about writing out checks and putting them in the mailbox
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Save on potential late fees - Automatic Loan Payments are always on time
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Manage your loan bills on “auto pilot”
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Protect your credit rating by ensuring prompt payments
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Rates effective as of: April 3, 2025
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