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New Vehicles

Terms

APR*

Payment Example (Based on $1000)

Monthly with 1 estimated final payment

2 Year 2.19% 23 payments of $42.63, 1 of $42.45
3 Year 2.19% 35 payments of $28.73, 1 of $28.53
4 Year 2.49% 47 payments of $21.91, 1 of $21.90
5 Year 2.74% 59 payments of $17.86, 1 of $17.43
6 Year 3.24% 71 payments of $15.31, 1 of $14.66
7 Year 3.99% 83 monthly of $13.67, 1 of $13.20
8 Year 4.99% 95 monthly of $12.66, 1 of $12.14
Based upon the loan rate tier received. Up to 115% 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 Vehicles

Terms

APR*

Payment Example (Based on $1000)

Monthly with 1 estimated final payment

2 Year 2.19% 23 payments of $42.63, 1 of $42.45.
3 Year 2.19% 35 payments of $28.73, 1 of $28.53
4 Year 2.49% 47 payments of $21.91, 1 of $21.90
5 Year 2.74% 59 payments of $17.86, 1 of $17.43
6 Year 3.24% 71 payments of $15.31, 1 of $14.66
7 Year 4.49% 83 payments of $13.90, 1 of $13.44
Based upon the loan rate tier received. Up to 115% 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 6 model years old. For 7 year terms, the vehicle may not be greater than 3 model years old.

New Motorcycles

Terms

APR*

Payment Example (Based on $1000)

Monthly with 1 estimated final payment

2 Year 4.25% 23 monthly payments of $43.54, 1 of $43.44
3 Year 4.50% 35 monthly payments of $29.75, 1 of $29.61
4 Year 4.75% 47 monthly payments of $22.92, 1 of $22.75
5 Year 5.25% 59 monthly payments of $18.99, 1 of $18.68
Up to 100% financing available for up to five (5) years, not to exceed $25,000.00 of most recent Kelley Bluebook Retail Value (used) and MSRP (new). Motorcycle 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. The primary borrower must be licensed with a valid class 2 operator’s license. Unacceptable security: Mopeds, nopeds, and motor scooters, as well as all off-road vehicles, including but not limited to all-terrain vehicles and dirt bikes. Motorcycles must be registered and licensed in the state of Hawai’i.

Used Motorcycles

Terms

APR*

Payment Example (Based on $1000)

Monthly with 1 estimated final payment

2 Year 4.75% 23 monthly payments of $43.76, 1 of $43.74
3 Year 5.00% 35 monthly payments of $29.98, 1 of $29.66
4 Year 5.25% 47 monthly payments of $23.15, 1 of $22.74
5 Year 6.25% 59 monthly payments of $19.45, 1 of $19.39
Up to 100% financing available for up to five (5) years, not to exceed $25,000.00 of most recent Kelley Bluebook Retail Value (used) and MSRP (new). Motorcycle 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. The primary borrower must be licensed with a valid class 2 operator’s license. Unacceptable security: Mopeds, nopeds, and motor scooters, as well as all off-road vehicles, including but not limited to all-terrain vehicles and dirt bikes. Motorcycles must be registered and licensed in the state of Hawai’i.
*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.