Financial Assistance Programs

We understand that financial circumstances may change from time to time, affecting your ability to meet obligations. Have you missed a payment or expect that your economic situation will change? We want to offer our assistance in case you are unable to catch up.

Options May Be Available. The right option for you depends on your individual circumstances.

  • Deferment: Defer up to 3 monthly payments and apply it to the end of the loan.
  • Modification: Designed for members whose financial situation has changed (such as employment changes, divorce, injury, etc.). It may allow the member to change the original terms of the loan agreement so that the payment is affordable.
  • Re-Age: Designed for members who are already delinquent on their loan. A Re-Age allows a member to bring the loan completely current by adding the delinquent payments to the end of the loan, extending the maturity date by the number of payments missed.

APFCU has other financial wellness and recovery programs available that may fit your needs and situation.

Please complete and submit the following as soon as possible

Need our help? Provide the required information and documentation about your situation so that we can determine if you qualify for our Loan Assistance Program.

  1. Application (see below), completed, signed and dated
  2. Signed and dated hardship letter that briefly explains your financial hardship and details the desired payment amount and length of time
  3. Proof of income: Submit the two (2) most current pay stubs for all borrowers; or, if self-employed, submit the last two (2) years of your federal tax returns
  4. Supporting documentation: documents that support and/or evidence of hardship.

Note: If your loan is secured by a vehicle, the registration, safety check and insurance must be current.


Please select the application best suited to your situation. We recommend using a desktop computer, laptop or tablet for ease in navigating through the form instead of a mobile device that has a smaller screen. Please upload all your documents along with the application.

Single Borrower

Individual Application


Joint Application


OR you may submit your documents in-person at any Aloha Pacific Federal Credit Union branch, or email them to us at [email protected], or mail them to us at:

Aloha Pacific Federal Credit Union
Attention: Collection Department
3465 Waialae Avenue, Suite 400
Honolulu, Hawaii 96816

Need Further Assistance?

For help with the application or any additional assistance, please call us at 808-531‑3711 or toll‑free at 1‑877‑531‑3711.