Best Personal Loan Rates in Honolulu, 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 Honolulu, Hawaii include: 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, Hawaii Law Enforcement Federal Credit UnionHawaii Law Enforcement Federal Credit Union801 S Beretania St, Honolulu, HI, 96813A+5.0 ★Texas Ratio: 2.77% offering Renewable Energy Loan at 5.00% APR, HOCU Honolulu Federal Credit UnionHOCU Honolulu Federal Credit Union300 Ala Moana Blvd, Honolulu, HI, 96850A5.0 ★Texas Ratio: 7.94% offering PV/Solar Loans at 5.99% APR, Honolulu Fire Department Federal Credit UnionHonolulu Fire Department Federal Credit Union1200 N School St, Honolulu, HI, 96817 2013A+5.0 ★Texas Ratio: 3.69% offering Bill Consolidation Loan at 5.99% APR, and Hotel And Travel Industry Federal Credit UnionHotel And Travel Industry Federal Credit Union1914 S KING ST STE 100, Honolulu, HI, 96826 2162A5.0 ★Texas Ratio: 7.46% offering Signature W/Collateral at 6.50% APR. Personal loan rates as of May 10, 2026 according to verified data from MonitorBankRates.
Honolulu has 14 local institutions in our database, with personal loan rates as low as 4.75% APR from HAWAIIAN ELECTRIC EMPLOYEES at 770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813. Use the tabs below to compare all available personal loan types. 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 Honolulu, Hawaii.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Honolulu, 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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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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Up to $50,000
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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; *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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Must provide travel itinerary
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; .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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Maximum Loan Amount is $20,000. Lower limits may be applicable.
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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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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.
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
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; - Contact us about rates
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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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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Maximum Loan Amount is $20,000. Lower limits may be applicable.
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Honolulu, HI Personal Loan Rate Trends
Compare local Honolulu, HI 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 Honolulu, Hawaii?
What are the best personal loan rates in Honolulu, Hawaii?
- HAWAIIAN ELECTRIC EMPLOYEES: 4.75% (Bill Consolidation Loan)
- Hawaii Law Enforcement Federal Credit Union: 5.00% (Renewable Energy Loan)
- HOCU Honolulu Federal Credit Union: 5.99% (PV/Solar Loans)
- Honolulu Fire Department Federal Credit Union: 5.99% (Bill Consolidation Loan)
- Hotel And Travel Industry Federal Credit Union: 6.50% (Signature W/Collateral)
Personal Loan Calculators
