Loans & Mortgages

Can I refinance my car loan?

Please visit any of our conveniently located branches or contact us for assistance.

Can the credit union assist me with a student loan?

We do not offer federally funded student loans. However, please contact us for information regarding other loan options that may be available to meet your educational needs.

How many co-signers can I have on my loan?

Please visit any of our conveniently located branches or call us for assistance.

How will I know if I will need a co-signer? A co-signer may be an alternative to obtain a loan that may not be considered otherwise.

How do I dispute an unauthorized charge on my VISA® credit card?

Call 888-232-2555 or dispute the transaction online or on the Aloha Pacific Card Control app.

Do you process credit card limit increase requests online?

You may be able to apply for an increase online. Upon receiving and reviewing your application, our loan office will contact you for additional information.

If a member is under the age of 18, can he/she apply for a loan, VISA® credit card or overdraft protection?

Members must be at least 18 years of age to apply for credit at Aloha Pacific Federal Credit Union.

Where do I send my VISA® Credit Card payments?

Your VISA® Credit Card payments may be made at any of our branch locations or you may mail payments to:

VISA
P.O. Box 60510
City of Industry, CA 91716-0510

Paying your credit card bill through online banking or our mobile app is convenient and efficient. Use the Move Money function to pay your bill.

How do I request a MasterCard Credit Card?

We do not currently offer MasterCard Credit Cards.

You may apply for an Aloha Pacific Federal Credit Union VISA® Platinum Credit Card by visiting any of our branch locations or contact us for assistance. Or apply online in our Credit Cards section.

What do you offer for credit cards?

Aloha Pacific Federal Credit Union offers VISA® Platinum credit cards, accepted worldwide. Please visit the Credit Cards area on our website for additional information, or stop by one of our convenient branches.

Can I use VISA® Credit card at an ATM?

You may obtain cash advances from any ATM that bears the logo of VISA®.

Do you offer consolidation loans?

Aloha Pacific Federal Credit Union offers an array of loan products. Please visit any of our branches or call us at (808) 531-3711 or (877) 531-3711 for assistance.

Do you offer construction loans?

We do not currently offer construction loans. Please contact us at (808) 531-3711 or (877) 531-3711 or visit one of our branch locations for information about our other loan products that might assist you.

Do you offer pay day loans?

Aloha Pacific Federal Credit Union offers personal term loans, auto loans and VISA credit cards.

Do you offer student loan consolidation?

We do not offer government-insured student loans. Refer to your school's financial aid office for assistance.

How long does it take to receive my title once I pay off my auto loan?

Upon receiving your final auto loan payment, allow for a minimum of 10 business days to receive your vehicle title.

What do I do if my information is not updated at the credit bureau?

You may address your concerns with the credit reporting agency.

Is Aloha Pacific a full-service financial institution?

Aloha Pacific Federal Credit Union offers savings, checking and certificate accounts, mortgages and a variety of loan products to meet your needs. The credit union also provides many other useful services. Please explore our website or call us for more information.

Why is my account balance and available balance different?

There are no pre-payment penalties on auto loans financed through Aloha Pacific. Please refer to your loan documents and disclosures for any pre-payment penalties on other loans.

You may contact us at (808) 531-3711 (or 1-877-531-3711 toll free) and speak with a representative in the Consumer Loan Department for additional assistance.

I applied for a loan online. Can I check the status?

Please call us to check the status of your online loan application. If you have previously established a user profile through the Online Application Center of Aloha Pacific FCU, you can use the "Returning Users" login box on the loan application page.

How do I order loan payment coupon books?

Members may visit any Aloha Pacific FCU branch to re-order loan payment coupon books, or call us at (808) 531-3711 (or 1-877-531-3711 toll free) for assistance.

Who can I call to discuss my delinquent loan?

You may contact us at (808) 531-3711 (or 1-877-531-3711 toll free) and speak with a representative in the Consumer Loan Department.

How can I pay my loan from another bank or financial institution?

Loan payments generated from another bank or credit union must be set up through that bank/credit union. Please refer to your bank/credit union to set up your payments.

Is there a grace period on my consumer loan payment?

Your loan payment is due on the due date. Please visit any of our conveniently located branches or call us at (808) 531-3711 (or 1-877-531-3711 toll free) for assistance.

Where can I mail my loan payment?

You may mail your loan payments to:

Aloha Pacific Federal Credit Union
832 South Hotel Street
Honolulu, Hawaii 96813

I am making my last consumer loan payment. How do I obtain a payoff?

You may obtain your payoff balance by visiting any of our branches or call us at (808) 531-3711 (or 1-877-531-3711 toll free).

Can I make my loan payment over the phone and online?

Loan payments are accepted at Aloha Pacific Federal Credit Union branches, by telephone at (808) 531-3711 (or 1-877-531-3711), telephone banking (Aloha Bank-by-Phone) and Online Banking.

What are closing costs?

Closing costs are fees paid by the mortgage borrower (loan fees, discount points, title insurance, appraisal fees, credit report, recording fees, etc.).