Best Personal Loan Rates in Kapolei, 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 Kapolei, Hawaii include: Hawaii Law Enforcement Federal Credit UnionHawaii Law Enforcement Federal Credit UnionCrossroads at Kapolei, Kapolei, HI, 96707A+5.0 ★Texas Ratio: 2.77% offering Renewable Energy Loan at 5.00% APR, Hawaiian Financial Federal Credit UnionHawaiian Financial Federal Credit Union91 600 Farrington Hwy, Kapolei, HI, 96707A+5.0 ★Texas Ratio: 2.51% offering Signature Loans at 7.50% APR, Hickam Federal Credit UnionHickam Federal Credit Union590 Farrington Hwy Unit 501, Kapolei, HI, 96707 2033A+5.0 ★Texas Ratio: 2.84% offering Personal at 7.50% APR, Aloha Pacific Federal Credit UnionAloha Pacific Federal Credit Union1001 Kamokila Blvd Ste 104, Kapolei, HI, 96707A+5.0 ★Texas Ratio: 3.29% offering Personal Term Loan - 12 months at 7.99% APR, and Hawaii State Federal Credit UnionHawaii State Federal Credit Union91 590 Farrington Highway 140, Kapolei, HI, 96707A5.0 ★Texas Ratio: 7.48% offering Personal Loan at 8.50% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Kapolei has 6 local institutions in our database, with personal loan rates as low as 5.00% APR from Hawaii Law Enforcement Federal Credit Union at Crossroads at Kapolei, Kapolei, HI, 96707. 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 Kapolei, Hawaii.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Kapolei, 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 12, 2026
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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; 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.
As Low As; Easy to apply! Fixed-rate Bill Consolidation Loan
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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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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; *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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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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Kapolei, HI Personal Loan Rate Trends
Compare local Kapolei, 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 0.085 points over the past 7 days to 8.579% APR.
Hawaii signature loan rates currently average 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 Kapolei, Hawaii?
What are the best personal loan rates in Kapolei, Hawaii?
- Hawaii Law Enforcement Federal Credit Union: 5.00% (Renewable Energy Loan)
- Hawaiian Financial Federal Credit Union: 7.50% (Signature Loans)
- Hickam Federal Credit Union: 7.50% (Personal)
- Aloha Pacific Federal Credit Union: 7.99% (Personal Term Loan - 12 months)
- Hawaii State Federal Credit Union: 8.50% (Personal Loan)
Personal Loan Calculators
