Pearl City HI
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This page was last updated November 2018

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Fair Credit Lenders in Pearl City HI

Lenders: contact us for listing removal.

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Hawaii USA Federal Credit Union
1245 Kuala St #101 Pearl City
HI 96782 - www.hawaiiusafcu.com
808.455.1100

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Hawaiian Tel Federal Credit Union
1131 Kuala St, Pearl City
HI 96782 - www.hitelfcu.com
808.777.3060

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Hickam Federal Credit Union
1260 Kuala St, Pearl City
HI 96782 - www.hickamfcu.org
808.423.1391

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Hawaii Law Enforcement FCU
1140 Kuala St, Pearl City
HI 96782 - www.hlefcu.com
808.455.5986

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First Hawaiian Bank of Pearl City
890 Kamehameha Hwy, Pearl City
HI 96782 - www.fhb.com
808.488.2142

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Home Street Bank
98-1258 Kaahumanu Street, #104
Pearl City, HI -808.484.4750
www.homestreet.com

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American Savings Bank
1089 Waimano Home Rd, Pearl City
HI 96782 - www.asbhawaii.com
808.453.2860

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Central Pacific Bank
850 Kamehameha Hwy, Pearl City
HI 96782 - www.centralpacificbank.com
808.453.2350

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Bank of Hawaii
850 Kamehameha Hwy #270, Pearl City
HI 96782 - www.boh.com
808.453.2540

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Finance Factors of Pearl City
850 Kamehameha Hwy #161 Pearl City
HI 96782 - www.financefactors.com
808.453.2100

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Bad Credit Loans in Pearl City HI

Fast Loan Pre-App Method
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Learn about GAP (Gift Angel Program)

 

Pearl City HI Lender Area Map

Pearl City Bad Credit Lenders Map - Initial Static Image

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Pearl City HI Loan App Volume

Top 5 Pearl City neighborhood loan app volume

  1. Lanakila
  2. Pacific Palisades
  3. Kuala St
  4. Hoolaulea
  5. East Pearl City

Pearl Harbour Memorial Pier - Pearl City Hawaii: Pic by Andy Somerset

Pearl City Bad Credit Loan Example

Ryan has used pay day loans for a few months now and he realizes that the interest and fees he is paying is extraordinarily high.

He is caught in a cycle now where he can barely repay the last loan, and then he has to borrow again just to pay the bills or even put food on the table. He is really frustrated and now he needs some money to make repairs to his old car.

The car needs the typical things. New tires and new brakes. He can repair the brakes himself, but he still has to buy the parts and of course the tires are expensive. While he is at it he knows that the muffler system and the battery are on their last legs.

He might as well do it all now rather than get caught somewhere and needing a tow truck to take his car to a mechanic. That would just be more money that he would have to spend which he cannot afford.

He obviously does not have any savings and he would like to borrow $10000 and repay it over a five year period to keep the monthly loan payments as low as possible.

He really only needs around $5000 for the repairs and the pay day loans, however if he can borrow a little extra, he will have the cash to help him through any other surprises that may come his way in the future.

The only other wrinkle is that although he has a job and can afford this small monthly payment is credit score is not good which will cause many lenders to avoid lending him any funds.

A $10000 loan with a 5 year term 7.99% interest rate for Ryan would cost him the following per month:

Loan Amount (principal) = $10000
Interest Rate = 7.99%
Term Length =5 year
Monthly Payment = $202.72
Total Paid Back = $12162.97
Total Interest = $2162.97

Ryan is going to have a difficult time finding a lender to lend him the funds he is looking for. Between the bad credit rating, his outstanding pay day loans and an unspecified reason for the additional $5000 that he wants to borrow, he is considered a very high risk borrower.

Lenders can select other clients who are a better risk and safer place to lend their money. Ryan should be a little more realistic about what he wants to borrow.

For example, if he were to only borrow what he needs, e.g. five thousand, his payments would be half of what he would pay for a $10000 loan. The interest cost would be less as well. Lower monthly payments would also improve his cash flow leaving more money for daily living expenses.

After some discussion, Ryan is rethinking his loan application and also reconsidering how much he wants to spend on his car. If he can stretch it a bit longer, he may be able to do away with the pay day loan and significantly improve his cash flow. More to come with Ryan’s loan application.

If you're living in Pearl City Hawaii like Ryan, and need a loan regardless of your credit rating, we may be able to help you find a willing lender.

Sincerely,

Andy Somerset

Andy Somerset is a writer for the WFL Project.

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Upgrades Nearest Pearl City HI

Job/Income Upgrades: Indeed / Snag-A-Job

Education Upgrades: College / University

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Pearl City Credit Counseling

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Counselors contact us for listing removal or info change.

Premier Credit Counseling
PO Box 1832 Pearl City
HI 96782 - 808.386.7754

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United First Financial
98-231 Kaluamoi Dr, Pearl City
HI 96712 - 808.294.5389

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Pearl City Assistance Programs

Food Bank: Our Lady of Good Counsel Catholic Church / Address: 1525 Waimano Home Road, Pearl City, Hawaii 96782 / Phone: 808.455.3012

Hot/Cold Meals: First Baptist Church of Pearl City / Address: 1445 Hoolaulea Street, Pearl City, Hawaii 96782 / Phone: 808.455.2011 / Church Email: pcimpulse@fbcpearlcity.com

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Usury Law Governing Pearl City HI

Summary of Hawaii Usury Law(s) / Quote: Legal: 5.5% Contract: 5.5% plus surcharge; any rate over $100,000 not secured by mortgage or residence / Judgment: 5.5% / Corporate: No rate specified (read more on Hawaii lending laws)

Complaint process for Pearl City residents:

Write to: Division of Financial Institutions, Department of Commerce and Consumer Affairs, P.O. Box 2054
Honolulu, HI 96805 / In Person: Division of Financial Institutions - Department of Commerce and Consumer Affairs
335 Merchant Street, Room 22,
Honolulu, HI 96813 / Email: dfi@dcca.hawaii.gov / Department of Commerce and Consumer Affairs / Hawaii Complaint Process / Hawaii Complaint Form (PDF)

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WFL Loan Products

Pearl City residents dealing with a bad credit score can read about our bad credit loans network, OR if your rating is in the average zone, you can read about fair credit loan pool. If you're DEEP in high interest debt, please read about our debt consolidation loan resources.

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