Best Personal Loan Rates in Hawaii (HI) - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Hawaii include: Maui Teachers Federal Credit UnionMaui Teachers Federal Credit Union2145 Wells St Ste 101, Wailuku, HI, 96793A+5.0 ★Texas Ratio: 0.00% offering Share/Signature at 4.00% APR, HAWAIIAN ELECTRIC EMPLOYEESHAWAIIAN ELECTRIC EMPLOYEES770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813A+5.0 ★Texas Ratio: 2.62% offering Bill Consolidation Loan at 4.75% APR, Kauai Teachers Federal Credit UnionKauai Teachers Federal Credit Union2969 Umi St, Lihue, HI, 96766 1345A+5.0 ★Texas Ratio: 2.75% offering Personal Loans at 4.75% APR, Valley Isle Community Federal Credit UnionValley Isle Community Federal Credit Union160 Paahana St, Kahului, HI, 96732A+5.0 ★Texas Ratio: 1.47% offering Photovoltaic Loan at 4.99% APR, and Schofield Federal Credit UnionSchofield Federal Credit UnionPO Box 860669, Wahiawa, HI, 96786 0669A+5.0 ★Texas Ratio: 0.11% offering Spring Loan Special at 4.99% APR. Personal loan rates as of May 10, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Hawaii side-by-side. Hawaii personal loan rates currently start as low as 4.00% APR from Maui Teachers Federal Credit Union at 2145 Wells St Ste 101, Wailuku, HI, 96793. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Hawaii.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Hawaii. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: May 10, 2026
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Maximum Loan Amount is $20,000. Lower limits may be applicable.
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Rates are determined by the repayment terms; Loan proceeds to be paid directly to contractor.
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As Low As; Easy to apply! Fixed-rate Bill Consolidation Loan
As Low As; A fixed-rate Consolidation Loan will help clean-up holiday spending and other bills. Flexible terms available, loan rate starts as low as 5.99% APR.
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As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
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As Low As; *APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
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As Low As; *APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
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Maximum Loan Amount is $20,000. Lower limits may be applicable.
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As Low As; *APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
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As Low As; *APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
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As Low As; *APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
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As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
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As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
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As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
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As Low As; *APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
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As Low As; *APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
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As Low As; *APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
As Low As; *APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
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As Low As; *APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
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Maximum Loan Amount is $20,000. Lower limits may be applicable.
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Maximum Loan Amount is $20,000. Lower limits may be applicable.
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Hawaii Personal Loan Rate Trends
Compare local Hawaii personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Hawaii personal loan rates fell 0.103 points over the past 7 days to 8.631% APR.
Hawaii signature loan rates rose 0.032 points over the past 7 days to 8.445% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Hawaii?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Hawaii?
Are credit unions or banks better for personal loans in Hawaii?
What are the best personal loan rates in Hawaii?
- Maui Teachers Federal Credit Union: 4.00% (Share/Signature)
- HAWAIIAN ELECTRIC EMPLOYEES: 4.75% (Bill Consolidation Loan)
- Kauai Teachers Federal Credit Union: 4.75% (Personal Loans)
- Valley Isle Community Federal Credit Union: 4.99% (Photovoltaic Loan)
- Schofield Federal Credit Union: 4.99% (Spring Loan Special)
