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Best Personal Loan Rates in Kapaa, Hawaii (HI) - March 2026

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Brian McKay Brian McKay
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Brian McKay

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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Hawaii borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
| ✓Fact Checked | Personal Loan Rates — Last Updated and Verified: March 25, 2026

Current personal loan options available to borrowers in Kapaa, Hawaii include: Gather Federal Credit UnionGather Federal Credit Union985 Kipuni Way, Kapaa, HI, 96746A5.0 ★Texas Ratio: 6.37% offering PV Loans at 4.00% APR, Garden Island Federal Credit UnionGarden Island Federal Credit Union4 1105 Kuhio Hwy Ste A2, Kapaa, HI, 96746A+5.0 ★Texas Ratio: 2.39% offering Personal Loan at 5.00% APR, Kauai Federal Credit UnionKauai Federal Credit Union4 1624 Kuhio Hwy, Kapaa, HI, 96746A5.0 ★Texas Ratio: 9.72% offering Personal Loans at 6.25% APR, American Savings Bank, FSBAmerican Savings Bank, FSB4 831 Kuhio Hwy, Kapaa, HI, 96746A+5.0 ★Texas Ratio: 2.15% offering Veterans Affairs (VA) Loans2 at 6.25% APR, and 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. Personal loan rates as of March 25, 2026 according to verified data from MonitorBankRates.

Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Kapaa, Hawaii can save you significantly over the life of your loan.

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 Kapaa, Hawaii.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Kapaa, 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: March 25, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
985 Kipuni Way, Kapaa, HI, 96746
PV Loans
4.00%
View
▼
APR4.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
985 Kipuni Way, Kapaa, HI, 96746
PV Loans
5.00%
View
▼
APR5.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
985 Kipuni Way, Kapaa, HI, 96746
Travel Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 25, 2026
Details

As Low As; Rates range from 5.00%-17.99% APR based on credit history and terms up to 84 months. Offer valid through March 31, 2026.

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4 1105 Kuhio Hwy Ste A2, Kapaa, HI, 96746
Personal Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
985 Kipuni Way, Kapaa, HI, 96746
Personal Loans
5.00%
View
▼
APR5.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
985 Kipuni Way, Kapaa, HI, 96746
Personal Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 25, 2026
Details

As Low As

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
985 Kipuni Way, Kapaa, HI, 96746
Personal Loans
5.50%
View
▼
APR5.50%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
985 Kipuni Way, Kapaa, HI, 96746
Personal Loans
6.00%
View
▼
APR6.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
985 Kipuni Way, Kapaa, HI, 96746
PV Loans
6.00%
View
▼
APR6.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Kauai Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
4 1624 Kuhio Hwy, Kapaa, HI, 96746
Personal Loans
6.25%
View
▼
APR6.25%
Last UpdatedMarch 25, 2026
Details

As Low As; Contact us about rates

American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
4 831 Kuhio Hwy, Kapaa, HI, 96746
Veterans Affairs (VA) Loans2
6.25%
View
▼
APR6.25%
Last UpdatedMarch 25, 2026
Details

Down Payment: 0%

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
985 Kipuni Way, Kapaa, HI, 96746
Personal Loans
6.50%
View
▼
APR6.50%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
985 Kipuni Way, Kapaa, HI, 96746
Personal Loans
7.00%
View
▼
APR7.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
985 Kipuni Way, Kapaa, HI, 96746
Personal Loans
7.50%
View
▼
APR7.50%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
985 Kipuni Way, Kapaa, HI, 96746
Personal Loans
8.00%
View
▼
APR8.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2145 Wells St Ste 101, Wailuku, HI, 96793
Share/Signature
4.00%
View
▼
APR4.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2145 Wells St Ste 101, Wailuku, HI, 96793
Signature Loans
4.50%
View
▼
APR4.50%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2145 Wells St Ste 101, Wailuku, HI, 96793
Solar Heater Loan
4.50%
View
▼
APR4.50%
Last UpdatedMarch 25, 2026
Details

No additional details available.

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Bill Consolidation Loan
4.75%
View
▼
APR4.75%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
2969 Umi St, Lihue, HI, 96766 1345
Personal Loans
4.75%
View
▼
APR4.75%
Last UpdatedMarch 25, 2026
Details

As Low As

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
PO Box 860669, Wahiawa, HI, 96786 0669
Holiday Loan Special
4.99%
View
▼
APR4.99%
Last UpdatedMarch 25, 2026
Details

As Low As

Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
160 Paahana St, Kahului, HI, 96732
Photovoltaic Loan
4.99%
View
▼
APR4.99%
Last UpdatedMarch 25, 2026
Details

No additional details available.

HELCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
1437 Kilauea Ave Ste 105, Hilo, HI, 96720
PV Loans
5.00%
View
▼
APR5.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
801 S Beretania St, Honolulu, HI, 96813
Renewable Energy Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2145 Wells St Ste 101, Wailuku, HI, 96793
Vacation Loans
5.00%
View
▼
APR5.00%
Last UpdatedMarch 25, 2026
Details

Must provide travel itinerary

Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
27 251 Old Mamalahoa Hwy, Papaikou, HI, 96781
Signature Loans
5.00%
View
▼
APR5.00%
Last UpdatedMarch 25, 2026
Details

Maximum Loan Amount is $20,000. Lower limits may be applicable.

Molokai Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
135 Puali Place, Kaunakakai, HI, 96748
Solar Loans
5.24%
View
▼
APR5.24%
Last UpdatedMarch 25, 2026
Details

As Low As

Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
2969 Umi St, Lihue, HI, 96766 1345
PERSONAL LOANS
5.25%
View
▼
APR5.25%
Last UpdatedMarch 25, 2026
Details

As Low As

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
PO Box 860669, Wahiawa, HI, 96786 0669
Holiday Loan Special
5.49%
View
▼
APR5.49%
Last UpdatedMarch 25, 2026
Details

As Low As

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
75 5781 Kuakini Hwy, Kailua Kona, HI, 96740 1734
Personal Loans
5.49%
View
▼
APR5.49%
Last UpdatedMarch 25, 2026
Details

As Low As

Hamakua Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
28 490 Kaakepa Street, Pepeekeo, HI, 96783
Personal Loans
5.50%
View
▼
APR5.50%
Last UpdatedMarch 25, 2026
Details

No additional details available.

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Bill Consolidation Loan
5.50%
View
▼
APR5.50%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2145 Wells St Ste 101, Wailuku, HI, 96793
Photovoltaic Loans
5.50%
View
▼
APR5.50%
Last UpdatedMarch 25, 2026
Details

Rates are determined by the repayment terms; Loan proceeds to be paid directly to contractor.

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
Building 553, Fort Shafter, HI, 96858
VA Loan
5.81%
View
▼
APR5.81%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
Building 553, Fort Shafter, HI, 96858
VA Refi Loan
5.94%
View
▼
APR5.94%
Last UpdatedMarch 25, 2026
Details

No additional details available.

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
300 Ala Moana Blvd, Honolulu, HI, 96850
Personal Loan
5.99%
View
▼
APR5.99%
Last UpdatedMarch 25, 2026
Details

No additional details available.

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
300 Ala Moana Blvd, Honolulu, HI, 96850
Solar Loan & Refinancing
5.99%
View
▼
APR5.99%
Last UpdatedMarch 25, 2026
Details

As Low As; Subject to credit approval.

Honolulu Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1200 N School St, Honolulu, HI, 96817 2013
Consolidation Loan
5.99%
View
▼
APR5.99%
Last UpdatedMarch 25, 2026
Details

As Low As

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
PO Box 860669, Wahiawa, HI, 96786 0669
Holiday Loan Special
5.99%
View
▼
APR5.99%
Last UpdatedMarch 25, 2026
Details

As Low As

Honolulu Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1200 N School St, Honolulu, HI, 96817 2013
Bill Consolidation Loan
5.99%
View
▼
APR5.99%
Last UpdatedMarch 25, 2026
Details

As Low As

Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Personal Loans (Signature max.)
6.00%
View
▼
APR6.00%
Last UpdatedMarch 25, 2026
Details

$15,000; As Low As

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Bill Consolidation Loan
6.00%
View
▼
APR6.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
133 Maa St, Kahului, HI, 96732 3603
Personal Loan
6.00%
View
▼
APR6.00%
Last UpdatedMarch 25, 2026
Details

As Low As

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
133 Maa St, Kahului, HI, 96732 3603
Personal Loans
6.00%
View
▼
APR6.00%
Last UpdatedMarch 25, 2026
Details

As Low As

Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI, 96749 8021
Personal Loans
6.00%
View
▼
APR6.00%
Last UpdatedMarch 25, 2026
Details

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.

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
Building 553, Fort Shafter, HI, 96858
FHA Loan
6.41%
View
▼
APR6.41%
Last UpdatedMarch 25, 2026
Details

No additional details available.

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
300 Ala Moana Blvd, Honolulu, HI, 96850
Personal Loan Refinance
6.49%
View
▼
APR6.49%
Last UpdatedMarch 25, 2026
Details

No additional details available.

University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
2019 S King St, Honolulu, HI, 96826
Personal Loan
6.49%
View
▼
APR6.49%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Signature W/Collateral
6.50%
View
▼
APR6.50%
Last UpdatedMarch 25, 2026
Details

As Low As

Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI, 96749 8021
Personal Loans
6.50%
View
▼
APR6.50%
Last UpdatedMarch 25, 2026
Details

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.

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
300 Ala Moana Blvd, Honolulu, HI, 96850
Personal Loan
6.69%
View
▼
APR6.69%
Last UpdatedMarch 25, 2026
Details

No additional details available.

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
300 Ala Moana Blvd, Honolulu, HI, 96850
Personal Loan Refinance
6.69%
View
▼
APR6.69%
Last UpdatedMarch 25, 2026
Details

No additional details available.

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
680 Iwilei Rd, Honolulu, HI, 96817 5388
Signature Loan
6.74%
View
▼
APR6.74%
Last UpdatedMarch 25, 2026
Details

As Low As

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
133 Maa St, Kahului, HI, 96732 3603
Photovoltaic System Loan*
6.74%
View
▼
APR6.74%
Last UpdatedMarch 25, 2026
Details

As Low As

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
75 5781 Kuakini Hwy, Kailua Kona, HI, 96740 1734
Vacant Land Loans Future Primary Residence (Balloon)
6.77%
View
▼
APR6.77%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI, 96813 2446
Personal Loan
6.79%
View
▼
APR6.79%
Last UpdatedMarch 25, 2026
Details

No additional details available.

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
75 5781 Kuakini Hwy, Kailua Kona, HI, 96740 1734
Vacant Land Loans Future Primary Residence (Balloon)
6.84%
View
▼
APR6.84%
Last UpdatedMarch 25, 2026
Details

No additional details available.

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
75 5781 Kuakini Hwy, Kailua Kona, HI, 96740 1734
Vacant Land Loans Future Primary Residence
6.98%
View
▼
APR6.98%
Last UpdatedMarch 25, 2026
Details

No additional details available.

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
680 Iwilei Rd, Honolulu, HI, 96817 5388
Solar Panel Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 25, 2026
Details

Up to $50,000

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
300 Ala Moana Blvd, Honolulu, HI, 96850
Personal Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Personal Loans (Signature max.)
7.00%
View
▼
APR7.00%
Last UpdatedMarch 25, 2026
Details

$15,000; As Low As

HELCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
1437 Kilauea Ave Ste 105, Hilo, HI, 96720
Signature
7.00%
View
▼
APR7.00%
Last UpdatedMarch 25, 2026
Details

$30,000

Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
Unsecured Loan
7.00%
View
▼
APR7.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Kahuku Federal Credit Union
Institution Rating:
D3.3 ★Texas Ratio: 36.05%
56 576 Kamehameha Hwy, Kahuku, HI, 96731 2211
Personal Loans
7.00%
View
▼
APR7.00%
Last UpdatedMarch 25, 2026
Details

As Low As

Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
27 251 Old Mamalahoa Hwy, Papaikou, HI, 96781
Signature Loans
7.00%
View
▼
APR7.00%
Last UpdatedMarch 25, 2026
Details

Maximum Loan Amount is $20,000. Lower limits may be applicable.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Signature W/Collateral
7.00%
View
▼
APR7.00%
Last UpdatedMarch 25, 2026
Details

As Low As

Molokai Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
135 Puali Place, Kaunakakai, HI, 96748
Signature Loans
7.24%
View
▼
APR7.24%
Last UpdatedMarch 25, 2026
Details

As Low As

Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
160 Paahana St, Kahului, HI, 96732
Personal Loans
7.25%
View
▼
APR7.25%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
133 Maa St, Kahului, HI, 96732 3603
Vacant Land Loan
7.25%
View
▼
APR7.25%
Last UpdatedMarch 25, 2026
Details

As Low As

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Personal Loans
7.25%
View
▼
APR7.25%
Last UpdatedMarch 25, 2026
Details

As Low As

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI, 96734
Signature
7.25%
View
▼
APR7.25%
Last UpdatedMarch 25, 2026
Details

As Low As

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
75 5781 Kuakini Hwy, Kailua Kona, HI, 96740 1734
Vacant Land Loans Investor Residential (Balloon)
7.27%
View
▼
APR7.27%
Last UpdatedMarch 25, 2026
Details

No additional details available.

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
75 5781 Kuakini Hwy, Kailua Kona, HI, 96740 1734
Vacant Land Loans Investor Residential (Balloon)
7.34%
View
▼
APR7.34%
Last UpdatedMarch 25, 2026
Details

No additional details available.

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
680 Iwilei Rd, Honolulu, HI, 96817 5388
Solar Panel Loan
7.49%
View
▼
APR7.49%
Last UpdatedMarch 25, 2026
Details

Up to $50,000

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Signature W/Collateral
7.50%
View
▼
APR7.50%
Last UpdatedMarch 25, 2026
Details

As Low As

Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI, 96749 8021
Personal Loans
7.50%
View
▼
APR7.50%
Last UpdatedMarch 25, 2026
Details

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.

Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
73 5611 Olowalu St, Kailua Kona, HI, 96740 2689
Unsecured Loan
7.50%
View
▼
APR7.50%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1138 N King St, Honolulu, HI, 96817
Signature Loans
7.50%
View
▼
APR7.50%
Last UpdatedMarch 25, 2026
Details

As Low As

Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
160 Paahana St, Kahului, HI, 96732
Personal Loans
7.50%
View
▼
APR7.50%
Last UpdatedMarch 25, 2026
Details

No additional details available.

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
75 5781 Kuakini Hwy, Kailua Kona, HI, 96740 1734
Vacant Land Loans Investor Residential
7.58%
View
▼
APR7.58%
Last UpdatedMarch 25, 2026
Details

No additional details available.

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
680 Iwilei Rd, Honolulu, HI, 96817 5388
Signature Loan
7.74%
View
▼
APR7.74%
Last UpdatedMarch 25, 2026
Details

As Low As

Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
160 Paahana St, Kahului, HI, 96732
Personal Loans
7.75%
View
▼
APR7.75%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Personal Loans
7.75%
View
▼
APR7.75%
Last UpdatedMarch 25, 2026
Details

As Low As

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI, 96813 2573
Personal Term Loan - 12 months
7.99%
View
▼
APR7.99%
Last UpdatedMarch 25, 2026
Details

As Low As

Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1244 Kaumualii St, Honolulu, HI, 96817
Personal Loan
7.99%
View
▼
APR7.99%
Last UpdatedMarch 25, 2026
Details

As Low As; Personal Loan payment sample: 36 months fixed-rate loan for $15,000 at 7.99% and an Annual Percentage Rate (APR) of 7.99% would have a monthly principal plus interest payment of $470. Other rates and terms available.

Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1244 Kaumualii St, Honolulu, HI, 96817
Personal Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 25, 2026
Details

As Low As

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
680 Iwilei Rd, Honolulu, HI, 96817 5388
Solar Panel Loan
7.99%
View
▼
APR7.99%
Last UpdatedMarch 25, 2026
Details

Up to $50,000

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Signature W/Collateral
8.00%
View
▼
APR8.00%
Last UpdatedMarch 25, 2026
Details

As Low As

Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
160 Paahana St, Kahului, HI, 96732
Personal Loans
8.00%
View
▼
APR8.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
801 S Beretania St, Honolulu, HI, 96813
Personal Loan
8.00%
View
▼
APR8.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1138 N King St, Honolulu, HI, 96817
Signature Loans
8.00%
View
▼
APR8.00%
Last UpdatedMarch 25, 2026
Details

As Low As

Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1244 Kaumualii St, Honolulu, HI, 96817
Personal Loans
8.24%
View
▼
APR8.24%
Last UpdatedMarch 25, 2026
Details

As Low As

Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Personal Loans (Signature max.)
8.25%
View
▼
APR8.25%
Last UpdatedMarch 25, 2026
Details

$15,000; As Low As

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Signature Loan
8.25%
View
▼
APR8.25%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Personal Loans
8.25%
View
▼
APR8.25%
Last UpdatedMarch 25, 2026
Details

As Low As

Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
27 251 Old Mamalahoa Hwy, Papaikou, HI, 96781
Signature Loans
8.50%
View
▼
APR8.50%
Last UpdatedMarch 25, 2026
Details

Maximum Loan Amount is $20,000. Lower limits may be applicable.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Signature W/Collateral
8.50%
View
▼
APR8.50%
Last UpdatedMarch 25, 2026
Details

As Low As

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI, 96813
Personal Loan
8.50%
View
▼
APR8.50%
Last UpdatedMarch 25, 2026
Details

As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI, 96817
Personal Loan
8.50%
View
▼
APR8.50%
Last UpdatedMarch 25, 2026
Details

As Low As; Consolidate debt, pay for the unexpected, or fund home improvements.

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1138 N King St, Honolulu, HI, 96817
Signature Loans
8.50%
View
▼
APR8.50%
Last UpdatedMarch 25, 2026
Details

As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI, 96817
Personal Loans
8.50%
View
▼
APR8.50%
Last UpdatedMarch 25, 2026
Details

As Low As; up to $10,000.00

Hamakua Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
28 490 Kaakepa Street, Pepeekeo, HI, 96783
Personal Loans
8.50%
View
▼
APR8.50%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI, 96813 2573
Personal Term Loan - 24 months
8.50%
View
▼
APR8.50%
Last UpdatedMarch 25, 2026
Details

As Low As

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
680 Iwilei Rd, Honolulu, HI, 96817 5388
Signature Loan
8.74%
View
▼
APR8.74%
Last UpdatedMarch 25, 2026
Details

As Low As

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI, 96734
Signature
8.74%
View
▼
APR8.74%
Last UpdatedMarch 25, 2026
Details

As Low As

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI, 96813
Personal Loan
8.75%
View
▼
APR8.75%
Last UpdatedMarch 25, 2026
Details

As Low As

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Personal Loans
8.75%
View
▼
APR8.75%
Last UpdatedMarch 25, 2026
Details

As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI, 96817
Personal Loans
8.75%
View
▼
APR8.75%
Last UpdatedMarch 25, 2026
Details

As Low As; up to $10,000.00

Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Personal Loans (Signature max.)
8.75%
View
▼
APR8.75%
Last UpdatedMarch 25, 2026
Details

$15,000; As Low As

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI, 96813 2573
Personal Term Loan - 36 months
8.75%
View
▼
APR8.75%
Last UpdatedMarch 25, 2026
Details

As Low As

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI, 96734
Signature
8.99%
View
▼
APR8.99%
Last UpdatedMarch 25, 2026
Details

As Low As

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI, 96813 2573
Personal Term Loan - 48 months
9.00%
View
▼
APR9.00%
Last UpdatedMarch 25, 2026
Details

As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI, 96817
Personal Loans
9.00%
View
▼
APR9.00%
Last UpdatedMarch 25, 2026
Details

As Low As; up to $10,000.00

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Signature Loan
9.00%
View
▼
APR9.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1138 N King St, Honolulu, HI, 96817
Signature Loans
9.00%
View
▼
APR9.00%
Last UpdatedMarch 25, 2026
Details

As Low As

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI, 96813
Personal Loan
9.00%
View
▼
APR9.00%
Last UpdatedMarch 25, 2026
Details

As Low As

Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
160 Paahana St, Kahului, HI, 96732
Personal Loans
9.00%
View
▼
APR9.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
680 Iwilei Rd, Honolulu, HI, 96817 5388
Signature Loan
9.24%
View
▼
APR9.24%
Last UpdatedMarch 25, 2026
Details

As Low As

University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
2019 S King St, Honolulu, HI, 96826
Personal Loan
9.24%
View
▼
APR9.24%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Personal Loans (Signature max.)
9.25%
View
▼
APR9.25%
Last UpdatedMarch 25, 2026
Details

$15,000; As Low As

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Personal Loans
9.25%
View
▼
APR9.25%
Last UpdatedMarch 25, 2026
Details

As Low As

Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
681 S King St, Honolulu, HI, 96813 3016
Vacant Land Loans
9.47%
View
▼
APR9.47%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI, 96734
Signature
9.49%
View
▼
APR9.49%
Last UpdatedMarch 25, 2026
Details

As Low As

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1138 N King St, Honolulu, HI, 96817
Signature Loans
9.50%
View
▼
APR9.50%
Last UpdatedMarch 25, 2026
Details

As Low As

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI, 96813
Personal Loan
9.50%
View
▼
APR9.50%
Last UpdatedMarch 25, 2026
Details

As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI, 96817
Personal Loans
9.50%
View
▼
APR9.50%
Last UpdatedMarch 25, 2026
Details

As Low As; up to $10,000.00

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI, 96813 2573
Personal Term Loan - 60 months
9.50%
View
▼
APR9.50%
Last UpdatedMarch 25, 2026
Details

As Low As

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
680 Iwilei Rd, Honolulu, HI, 96817 5388
Signature Loan
9.74%
View
▼
APR9.74%
Last UpdatedMarch 25, 2026
Details

As Low As

University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
2019 S King St, Honolulu, HI, 96826
Personal Loan
9.74%
View
▼
APR9.74%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI, 96734
Signature
9.74%
View
▼
APR9.74%
Last UpdatedMarch 25, 2026
Details

As Low As

Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Personal Loans (Signature max.)
9.75%
View
▼
APR9.75%
Last UpdatedMarch 25, 2026
Details

$15,000; As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI, 96817
Personal Loans
9.99%
View
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details

As Low As; up to $10,000.00

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI, 96813
Personal Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details

As Low As

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI, 96734
Signature
9.99%
View
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details

As Low As

Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
681 S King St, Honolulu, HI, 96813 3016
Construction Loans
9.99%
View
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI, 96734
Signature
10.24%
View
▼
APR10.24%
Last UpdatedMarch 25, 2026
Details

As Low As

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Signature Loan
10.50%
View
▼
APR10.50%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI, 96813 2573
Personal Term Loan - 72 months
11.00%
View
▼
APR11.00%
Last UpdatedMarch 25, 2026
Details

As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI, 96817
Personal Loans
11.00%
View
▼
APR11.00%
Last UpdatedMarch 25, 2026
Details

As Low As; up to $10,000.00

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI, 96813
Personal Loan
11.00%
View
▼
APR11.00%
Last UpdatedMarch 25, 2026
Details

As Low As

Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
681 S King St, Honolulu, HI, 96813 3016
Construction Loans
11.05%
View
▼
APR11.05%
Last UpdatedMarch 25, 2026
Details

No additional details available.

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Signature Loan
11.50%
View
▼
APR11.50%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
131 Puuhonu Way, Hilo, HI, 96720
Unsecured
11.90%
View
▼
APR11.90%
Last UpdatedMarch 25, 2026
Details

No additional details available.

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
300 Ala Moana Blvd, Honolulu, HI, 96850
Max Loan
12.00%
View
▼
APR12.00%
Last UpdatedMarch 25, 2026
Details

Minimum monthly payment is the greater of $50 or 3% of the balance outstanding.

Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
131 Puuhonu Way, Hilo, HI, 96720
15/15/15 Loan
15.00%
View
▼
APR15.00%
Last UpdatedMarch 25, 2026
Details

plus a $25 processing fee

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4 1105 Kuhio Hwy Ste A2, Kapaa, HI, 96746
Personal Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
985 Kipuni Way, Kapaa, HI, 96746
Personal Loans
5.00%
View
▼
APR5.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
985 Kipuni Way, Kapaa, HI, 96746
Personal Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 25, 2026
Details

As Low As

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
985 Kipuni Way, Kapaa, HI, 96746
Personal Loans
5.50%
View
▼
APR5.50%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
985 Kipuni Way, Kapaa, HI, 96746
Personal Loans
6.00%
View
▼
APR6.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Kauai Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
4 1624 Kuhio Hwy, Kapaa, HI, 96746
Personal Loans
6.25%
View
▼
APR6.25%
Last UpdatedMarch 25, 2026
Details

As Low As; Contact us about rates

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
985 Kipuni Way, Kapaa, HI, 96746
Personal Loans
6.50%
View
▼
APR6.50%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
985 Kipuni Way, Kapaa, HI, 96746
Personal Loans
7.00%
View
▼
APR7.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
985 Kipuni Way, Kapaa, HI, 96746
Personal Loans
7.50%
View
▼
APR7.50%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
985 Kipuni Way, Kapaa, HI, 96746
Personal Loans
8.00%
View
▼
APR8.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
2969 Umi St, Lihue, HI, 96766 1345
Personal Loans
4.75%
View
▼
APR4.75%
Last UpdatedMarch 25, 2026
Details

As Low As

Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
2969 Umi St, Lihue, HI, 96766 1345
PERSONAL LOANS
5.25%
View
▼
APR5.25%
Last UpdatedMarch 25, 2026
Details

As Low As

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
75 5781 Kuakini Hwy, Kailua Kona, HI, 96740 1734
Personal Loans
5.49%
View
▼
APR5.49%
Last UpdatedMarch 25, 2026
Details

As Low As

Hamakua Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
28 490 Kaakepa Street, Pepeekeo, HI, 96783
Personal Loans
5.50%
View
▼
APR5.50%
Last UpdatedMarch 25, 2026
Details

No additional details available.

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
300 Ala Moana Blvd, Honolulu, HI, 96850
Personal Loan
5.99%
View
▼
APR5.99%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI, 96749 8021
Personal Loans
6.00%
View
▼
APR6.00%
Last UpdatedMarch 25, 2026
Details

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.

Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Personal Loans (Signature max.)
6.00%
View
▼
APR6.00%
Last UpdatedMarch 25, 2026
Details

$15,000; As Low As

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
133 Maa St, Kahului, HI, 96732 3603
Personal Loans
6.00%
View
▼
APR6.00%
Last UpdatedMarch 25, 2026
Details

As Low As

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
133 Maa St, Kahului, HI, 96732 3603
Personal Loan
6.00%
View
▼
APR6.00%
Last UpdatedMarch 25, 2026
Details

As Low As

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
300 Ala Moana Blvd, Honolulu, HI, 96850
Personal Loan Refinance
6.49%
View
▼
APR6.49%
Last UpdatedMarch 25, 2026
Details

No additional details available.

University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
2019 S King St, Honolulu, HI, 96826
Personal Loan
6.49%
View
▼
APR6.49%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI, 96749 8021
Personal Loans
6.50%
View
▼
APR6.50%
Last UpdatedMarch 25, 2026
Details

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.

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
300 Ala Moana Blvd, Honolulu, HI, 96850
Personal Loan
6.69%
View
▼
APR6.69%
Last UpdatedMarch 25, 2026
Details

No additional details available.

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
300 Ala Moana Blvd, Honolulu, HI, 96850
Personal Loan Refinance
6.69%
View
▼
APR6.69%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI, 96813 2446
Personal Loan
6.79%
View
▼
APR6.79%
Last UpdatedMarch 25, 2026
Details

No additional details available.

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
300 Ala Moana Blvd, Honolulu, HI, 96850
Personal Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Personal Loans (Signature max.)
7.00%
View
▼
APR7.00%
Last UpdatedMarch 25, 2026
Details

$15,000; As Low As

Kahuku Federal Credit Union
Institution Rating:
D3.3 ★Texas Ratio: 36.05%
56 576 Kamehameha Hwy, Kahuku, HI, 96731 2211
Personal Loans
7.00%
View
▼
APR7.00%
Last UpdatedMarch 25, 2026
Details

As Low As

Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
160 Paahana St, Kahului, HI, 96732
Personal Loans
7.25%
View
▼
APR7.25%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Personal Loans
7.25%
View
▼
APR7.25%
Last UpdatedMarch 25, 2026
Details

As Low As

Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI, 96749 8021
Personal Loans
7.50%
View
▼
APR7.50%
Last UpdatedMarch 25, 2026
Details

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.

Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
160 Paahana St, Kahului, HI, 96732
Personal Loans
7.50%
View
▼
APR7.50%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
160 Paahana St, Kahului, HI, 96732
Personal Loans
7.75%
View
▼
APR7.75%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Personal Loans
7.75%
View
▼
APR7.75%
Last UpdatedMarch 25, 2026
Details

As Low As

Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1244 Kaumualii St, Honolulu, HI, 96817
Personal Loan
7.99%
View
▼
APR7.99%
Last UpdatedMarch 25, 2026
Details

As Low As; Personal Loan payment sample: 36 months fixed-rate loan for $15,000 at 7.99% and an Annual Percentage Rate (APR) of 7.99% would have a monthly principal plus interest payment of $470. Other rates and terms available.

Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1244 Kaumualii St, Honolulu, HI, 96817
Personal Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 25, 2026
Details

As Low As

Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
801 S Beretania St, Honolulu, HI, 96813
Personal Loan
8.00%
View
▼
APR8.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
160 Paahana St, Kahului, HI, 96732
Personal Loans
8.00%
View
▼
APR8.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1244 Kaumualii St, Honolulu, HI, 96817
Personal Loans
8.24%
View
▼
APR8.24%
Last UpdatedMarch 25, 2026
Details

As Low As

Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Personal Loans (Signature max.)
8.25%
View
▼
APR8.25%
Last UpdatedMarch 25, 2026
Details

$15,000; As Low As

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Personal Loans
8.25%
View
▼
APR8.25%
Last UpdatedMarch 25, 2026
Details

As Low As

Hamakua Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
28 490 Kaakepa Street, Pepeekeo, HI, 96783
Personal Loans
8.50%
View
▼
APR8.50%
Last UpdatedMarch 25, 2026
Details

No additional details available.

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI, 96817
Personal Loan
8.50%
View
▼
APR8.50%
Last UpdatedMarch 25, 2026
Details

As Low As; Consolidate debt, pay for the unexpected, or fund home improvements.

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI, 96817
Personal Loans
8.50%
View
▼
APR8.50%
Last UpdatedMarch 25, 2026
Details

As Low As; up to $10,000.00

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI, 96813
Personal Loan
8.50%
View
▼
APR8.50%
Last UpdatedMarch 25, 2026
Details

As Low As

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Personal Loans
8.75%
View
▼
APR8.75%
Last UpdatedMarch 25, 2026
Details

As Low As

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI, 96813
Personal Loan
8.75%
View
▼
APR8.75%
Last UpdatedMarch 25, 2026
Details

As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI, 96817
Personal Loans
8.75%
View
▼
APR8.75%
Last UpdatedMarch 25, 2026
Details

As Low As; up to $10,000.00

Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Personal Loans (Signature max.)
8.75%
View
▼
APR8.75%
Last UpdatedMarch 25, 2026
Details

$15,000; As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI, 96817
Personal Loans
9.00%
View
▼
APR9.00%
Last UpdatedMarch 25, 2026
Details

As Low As; up to $10,000.00

Valley Isle Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
160 Paahana St, Kahului, HI, 96732
Personal Loans
9.00%
View
▼
APR9.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI, 96813
Personal Loan
9.00%
View
▼
APR9.00%
Last UpdatedMarch 25, 2026
Details

As Low As

University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
2019 S King St, Honolulu, HI, 96826
Personal Loan
9.24%
View
▼
APR9.24%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Personal Loans (Signature max.)
9.25%
View
▼
APR9.25%
Last UpdatedMarch 25, 2026
Details

$15,000; As Low As

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Personal Loans
9.25%
View
▼
APR9.25%
Last UpdatedMarch 25, 2026
Details

As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI, 96817
Personal Loans
9.50%
View
▼
APR9.50%
Last UpdatedMarch 25, 2026
Details

As Low As; up to $10,000.00

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI, 96813
Personal Loan
9.50%
View
▼
APR9.50%
Last UpdatedMarch 25, 2026
Details

As Low As

University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
2019 S King St, Honolulu, HI, 96826
Personal Loan
9.74%
View
▼
APR9.74%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Personal Loans (Signature max.)
9.75%
View
▼
APR9.75%
Last UpdatedMarch 25, 2026
Details

$15,000; As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI, 96817
Personal Loans
9.99%
View
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details

As Low As; up to $10,000.00

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI, 96813
Personal Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details

As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI, 96817
Personal Loans
11.00%
View
▼
APR11.00%
Last UpdatedMarch 25, 2026
Details

As Low As; up to $10,000.00

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI, 96813
Personal Loan
11.00%
View
▼
APR11.00%
Last UpdatedMarch 25, 2026
Details

As Low As

No debt consolidation personal loan rates found in Kapaa, HI currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2145 Wells St Ste 101, Wailuku, HI, 96793
Share/Signature
4.00%
View
▼
APR4.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2145 Wells St Ste 101, Wailuku, HI, 96793
Signature Loans
4.50%
View
▼
APR4.50%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
27 251 Old Mamalahoa Hwy, Papaikou, HI, 96781
Signature Loans
5.00%
View
▼
APR5.00%
Last UpdatedMarch 25, 2026
Details

Maximum Loan Amount is $20,000. Lower limits may be applicable.

Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Personal Loans (Signature max.)
6.00%
View
▼
APR6.00%
Last UpdatedMarch 25, 2026
Details

$15,000; As Low As

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Signature W/Collateral
6.50%
View
▼
APR6.50%
Last UpdatedMarch 25, 2026
Details

As Low As

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
680 Iwilei Rd, Honolulu, HI, 96817 5388
Signature Loan
6.74%
View
▼
APR6.74%
Last UpdatedMarch 25, 2026
Details

As Low As

Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Personal Loans (Signature max.)
7.00%
View
▼
APR7.00%
Last UpdatedMarch 25, 2026
Details

$15,000; As Low As

HELCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
1437 Kilauea Ave Ste 105, Hilo, HI, 96720
Signature
7.00%
View
▼
APR7.00%
Last UpdatedMarch 25, 2026
Details

$30,000

Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
27 251 Old Mamalahoa Hwy, Papaikou, HI, 96781
Signature Loans
7.00%
View
▼
APR7.00%
Last UpdatedMarch 25, 2026
Details

Maximum Loan Amount is $20,000. Lower limits may be applicable.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Signature W/Collateral
7.00%
View
▼
APR7.00%
Last UpdatedMarch 25, 2026
Details

As Low As

Molokai Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
135 Puali Place, Kaunakakai, HI, 96748
Signature Loans
7.24%
View
▼
APR7.24%
Last UpdatedMarch 25, 2026
Details

As Low As

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI, 96734
Signature
7.25%
View
▼
APR7.25%
Last UpdatedMarch 25, 2026
Details

As Low As

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1138 N King St, Honolulu, HI, 96817
Signature Loans
7.50%
View
▼
APR7.50%
Last UpdatedMarch 25, 2026
Details

As Low As

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Signature W/Collateral
7.50%
View
▼
APR7.50%
Last UpdatedMarch 25, 2026
Details

As Low As

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
680 Iwilei Rd, Honolulu, HI, 96817 5388
Signature Loan
7.74%
View
▼
APR7.74%
Last UpdatedMarch 25, 2026
Details

As Low As

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1138 N King St, Honolulu, HI, 96817
Signature Loans
8.00%
View
▼
APR8.00%
Last UpdatedMarch 25, 2026
Details

As Low As

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Signature W/Collateral
8.00%
View
▼
APR8.00%
Last UpdatedMarch 25, 2026
Details

As Low As

Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Personal Loans (Signature max.)
8.25%
View
▼
APR8.25%
Last UpdatedMarch 25, 2026
Details

$15,000; As Low As

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Signature Loan
8.25%
View
▼
APR8.25%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI, 96826 2162
Signature W/Collateral
8.50%
View
▼
APR8.50%
Last UpdatedMarch 25, 2026
Details

As Low As

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1138 N King St, Honolulu, HI, 96817
Signature Loans
8.50%
View
▼
APR8.50%
Last UpdatedMarch 25, 2026
Details

As Low As

Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
27 251 Old Mamalahoa Hwy, Papaikou, HI, 96781
Signature Loans
8.50%
View
▼
APR8.50%
Last UpdatedMarch 25, 2026
Details

Maximum Loan Amount is $20,000. Lower limits may be applicable.

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
680 Iwilei Rd, Honolulu, HI, 96817 5388
Signature Loan
8.74%
View
▼
APR8.74%
Last UpdatedMarch 25, 2026
Details

As Low As

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI, 96734
Signature
8.74%
View
▼
APR8.74%
Last UpdatedMarch 25, 2026
Details

As Low As

Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Personal Loans (Signature max.)
8.75%
View
▼
APR8.75%
Last UpdatedMarch 25, 2026
Details

$15,000; As Low As

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI, 96734
Signature
8.99%
View
▼
APR8.99%
Last UpdatedMarch 25, 2026
Details

As Low As

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Signature Loan
9.00%
View
▼
APR9.00%
Last UpdatedMarch 25, 2026
Details

No additional details available.

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1138 N King St, Honolulu, HI, 96817
Signature Loans
9.00%
View
▼
APR9.00%
Last UpdatedMarch 25, 2026
Details

As Low As

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
680 Iwilei Rd, Honolulu, HI, 96817 5388
Signature Loan
9.24%
View
▼
APR9.24%
Last UpdatedMarch 25, 2026
Details

As Low As

Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Personal Loans (Signature max.)
9.25%
View
▼
APR9.25%
Last UpdatedMarch 25, 2026
Details

$15,000; As Low As

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI, 96734
Signature
9.49%
View
▼
APR9.49%
Last UpdatedMarch 25, 2026
Details

As Low As

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1138 N King St, Honolulu, HI, 96817
Signature Loans
9.50%
View
▼
APR9.50%
Last UpdatedMarch 25, 2026
Details

As Low As

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
680 Iwilei Rd, Honolulu, HI, 96817 5388
Signature Loan
9.74%
View
▼
APR9.74%
Last UpdatedMarch 25, 2026
Details

As Low As

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI, 96734
Signature
9.74%
View
▼
APR9.74%
Last UpdatedMarch 25, 2026
Details

As Low As

Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI, 96706 7000
Personal Loans (Signature max.)
9.75%
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APR9.75%
Last UpdatedMarch 25, 2026
Details

$15,000; As Low As

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI, 96734
Signature
9.99%
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APR9.99%
Last UpdatedMarch 25, 2026
Details

As Low As

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI, 96734
Signature
10.24%
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APR10.24%
Last UpdatedMarch 25, 2026
Details

As Low As

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Signature Loan
10.50%
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APR10.50%
Last UpdatedMarch 25, 2026
Details

No additional details available.

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Signature Loan
11.50%
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▼
APR11.50%
Last UpdatedMarch 25, 2026
Details

No additional details available.

No home improvement personal loan rates found in Kapaa, HI currently.

Frequently Asked Questions

What credit score do I need for a personal loan in Hawaii?

Most lenders in Kapaa, Hawaii require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Hawaii often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Kapaa, Hawaii require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.

Can I use a personal loan for debt consolidation in Hawaii?

Yes. Debt consolidation is one of the most common uses of personal loans in Kapaa, Hawaii. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.

Are credit unions or banks better for personal loans in Kapaa, Hawaii?

Credit unions in Kapaa, Hawaii often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.

What are the best personal loan rates in Kapaa, Hawaii?

  • Gather Federal Credit Union: 4.00% (PV Loans)
  • Garden Island Federal Credit Union: 5.00% (Personal Loan)
  • Kauai Federal Credit Union: 6.25% (Personal Loans)
  • American Savings Bank, FSB: 6.25% (Veterans Affairs (VA) Loans2)
  • Maui Teachers Federal Credit Union: 4.00% (Share/Signature)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Kapaa, Hawaii. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 25, 2026.

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