Home repairs, unexpected bills, education, new furniture, appliances, computers, consolidate debt, you want to take that vacation you've always dreamed about, or for any reason you can think of... a personal loan can make it possible! Qualified members can borrow $200 to $30,000 for up to 7 years.
PARTIALLY SECURED PERSONAL LOAN
This loan is secured by your auto and can be used like a traditional personal loan.
This is a personal loan where half of the loan is secured by the available shares on deposit with PHFCU. Maximum loan amount: $10,000. Loan terms range between 1 and 3 years.
This line-of-credit is linked to a PHFCU checking account, providing overdraft protection by advancing funds in increments of $100.00. Credit limits range from $300 up to a maximum of $5,000. The Borrower(s) of this line of credit must also be the owners of the PHFCU checking that it will be linked to.
SAVINGS CERTIFICATE SECURED
Use the money you have deposited in your PHFCU Savings Certificate as collateral.
Up to 90% of the available savings certificate shares may be borrowed. Flexible repayment terms are available. Loan maturity coincides with the certificate's maturity.
Consolidate your bills with a low rate loan.
If you’re in trouble managing multiple bills and high rate debt, you can consolidate them into a single loan payable at a low rate. A Debt Consolidation loan is an unsecured loan similar to a Personal loan and does not require collateral like an auto loan or mortgage.
Debt Consolidation is often advisable when someone is paying credit card debt. Credit cards can carry a much higher interest rate than a Debt Consolidation loan and take a longer time to payoff. A debt consolidation loan has a short fixed number of years and your debt will be paid in full when the loan is complete.
This is a 5 year low rate balloon payment loan that is fully secured by the available shares on deposit with PHFCU. Up to 10 years amortization. In addition, PHFCU offers fully amortized share secured loans for up to 5 years.
Need a loan quick?
Pearl Hawaii Federal Credit Union understands that things happen once in awhile. If your utilities are at risk of being shut off or your car needs a pricey repair call us. If we can help, we will.
Emergency Loan benefits include:
Need a loan to help pay taxes this year?
Pearl Hawaii Federal Credit Union offers financing to help make some wiggle room when it comes to paying those often hefty income and property taxes.
Tax Loan benefits include:
Lessening the impact of a large income or property tax payment
Provides flexible payment terms designed to meet our members’ needs
Help protect your home or other assets in times of financial hardship.
SMART ADVANCE- A PAYDAY LOAN ALTERNATIVE*
It’s a small, short-term loan like a payday loan, but without the insane interest rates, we’ll give you a lot longer to pay us back, and we don’t need to pull your credit report.
Benefits include: No Credit Check
Up to 6 month terms
Borrow up to $1000
No Outrageous Fees
*You must be a PHFCU member. Member must be in good standing with PHFCU accounts for at least 3 consecutive months. Only a $20.00 application fee.