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Best Personal Loan Rates in Waipahu, 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 27, 2026

Current personal loan options available to borrowers in Waipahu, Hawaii include: HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit UnionWaipahu Town Center, Waipahu, HI, 96797A+5.0 ★Texas Ratio: 2.50% offering Emergency Relief Loan at 4.50% APR, American Savings Bank, FSBAmerican Savings Bank, FSB94 1040 Waipio Uka St, Waipahu, HI, 96797A+5.0 ★Texas Ratio: 2.15% offering Veterans Affairs (VA) Loans2 at 6.25% APR, Hawaiian Financial Federal Credit UnionHawaiian Financial Federal Credit Union94 595 Kupuohi St, Waipahu, HI, 96797A+5.0 ★Texas Ratio: 2.51% offering Signature Loans at 7.50% APR, Aloha Pacific Federal Credit UnionAloha Pacific Federal Credit UnionWaikele Shopping Center, Waipahu, HI, 96797A+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 Union94 809 Lumiaina St, Waipahu, HI, 96797 5025A5.0 ★Texas Ratio: 7.48% offering Personal Loan at 8.50% APR. Personal loan rates as of March 27, 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 Waipahu, 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 Waipahu, Hawaii.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Waipahu, 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 27, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Waipahu Town Center, Waipahu, HI, 96797
Emergency Relief Loan
4.50%
View
▼
APR4.50%
Last UpdatedMarch 27, 2026
Details

No additional details available.

American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
94 1040 Waipio Uka St, Waipahu, HI, 96797
Veterans Affairs (VA) Loans2
6.25%
View
▼
APR6.25%
Last UpdatedMarch 27, 2026
Details

Down Payment: 0%

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
94 595 Kupuohi St, Waipahu, HI, 96797
Signature Loans
7.50%
View
▼
APR7.50%
Last UpdatedMarch 27, 2026
Details

As Low As

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Waikele Shopping Center, Waipahu, HI, 96797
Personal Term Loan - 12 months
7.99%
View
▼
APR7.99%
Last UpdatedMarch 27, 2026
Details

As Low As

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
94 595 Kupuohi St, Waipahu, HI, 96797
Signature Loans
8.00%
View
▼
APR8.00%
Last UpdatedMarch 27, 2026
Details

As Low As

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Waikele Shopping Center, Waipahu, HI, 96797
Personal Term Loan - 24 months
8.50%
View
▼
APR8.50%
Last UpdatedMarch 27, 2026
Details

As Low As

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
94 809 Lumiaina St, Waipahu, HI, 96797 5025
Personal Loan
8.50%
View
▼
APR8.50%
Last UpdatedMarch 27, 2026
Details

As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Waipahu Town Center, Waipahu, HI, 96797
Personal Loans
8.50%
View
▼
APR8.50%
Last UpdatedMarch 27, 2026
Details

As Low As; up to $10,000.00

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Waipahu Town Center, Waipahu, HI, 96797
Personal Loans (12 months)
8.50%
View
▼
APR8.50%
Last UpdatedMarch 27, 2026
Details

As Low As; Click to learn more

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
94 595 Kupuohi St, Waipahu, HI, 96797
Signature Loans
8.50%
View
▼
APR8.50%
Last UpdatedMarch 27, 2026
Details

As Low As

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Waikele Shopping Center, Waipahu, HI, 96797
Personal Term Loan - 36 months
8.75%
View
▼
APR8.75%
Last UpdatedMarch 27, 2026
Details

As Low As

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
94 809 Lumiaina St, Waipahu, HI, 96797 5025
Personal Loan
8.75%
View
▼
APR8.75%
Last UpdatedMarch 27, 2026
Details

As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Waipahu Town Center, Waipahu, HI, 96797
Personal Loans
8.75%
View
▼
APR8.75%
Last UpdatedMarch 27, 2026
Details

As Low As; up to $10,000.00

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Waikele Shopping Center, Waipahu, HI, 96797
Personal Term Loan - 48 months
9.00%
View
▼
APR9.00%
Last UpdatedMarch 27, 2026
Details

As Low As

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
94 809 Lumiaina St, Waipahu, HI, 96797 5025
Personal Loan
9.00%
View
▼
APR9.00%
Last UpdatedMarch 27, 2026
Details

As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Waipahu Town Center, Waipahu, HI, 96797
Personal Loans
9.00%
View
▼
APR9.00%
Last UpdatedMarch 27, 2026
Details

As Low As; up to $10,000.00

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
94 595 Kupuohi St, Waipahu, HI, 96797
Signature Loans
9.00%
View
▼
APR9.00%
Last UpdatedMarch 27, 2026
Details

As Low As

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
94 595 Kupuohi St, Waipahu, HI, 96797
Signature Loans
9.50%
View
▼
APR9.50%
Last UpdatedMarch 27, 2026
Details

As Low As

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
94 809 Lumiaina St, Waipahu, HI, 96797 5025
Personal Loan
9.50%
View
▼
APR9.50%
Last UpdatedMarch 27, 2026
Details

As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Waipahu Town Center, Waipahu, HI, 96797
Personal Loans
9.50%
View
▼
APR9.50%
Last UpdatedMarch 27, 2026
Details

As Low As; up to $10,000.00

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Waikele Shopping Center, Waipahu, HI, 96797
Personal Term Loan - 60 months
9.50%
View
▼
APR9.50%
Last UpdatedMarch 27, 2026
Details

As Low As

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
94 809 Lumiaina St, Waipahu, HI, 96797 5025
Personal Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details

As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Waipahu Town Center, Waipahu, HI, 96797
Personal Loans
9.99%
View
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details

As Low As; up to $10,000.00

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Waikele Shopping Center, Waipahu, HI, 96797
Personal Term Loan - 72 months
11.00%
View
▼
APR11.00%
Last UpdatedMarch 27, 2026
Details

As Low As

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
94 809 Lumiaina St, Waipahu, HI, 96797 5025
Personal Loan
11.00%
View
▼
APR11.00%
Last UpdatedMarch 27, 2026
Details

As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Waipahu Town Center, Waipahu, HI, 96797
Personal Loans
11.00%
View
▼
APR11.00%
Last UpdatedMarch 27, 2026
Details

As Low As; up to $10,000.00

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI, 96766
PV Loans
4.00%
View
▼
APR4.00%
Last UpdatedMarch 27, 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 27, 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 27, 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 27, 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 27, 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 27, 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 27, 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 27, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI, 96766
Travel Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 27, 2026
Details

As Low As; Offer valid through March 31, 2026.

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 27, 2026
Details

Must provide travel itinerary

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 27, 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 27, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI, 96766
Personal Loans
5.00%
View
▼
APR5.00%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI, 96766
PV Loans
5.00%
View
▼
APR5.00%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Personal Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 27, 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 27, 2026
Details

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

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI, 96766
Personal Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 27, 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
Solar Loans
5.24%
View
▼
APR5.24%
Last UpdatedMarch 27, 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 27, 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 27, 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 27, 2026
Details

As Low As

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI, 96766
Personal Loans
5.50%
View
▼
APR5.50%
Last UpdatedMarch 27, 2026
Details

No additional details available.

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 27, 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
Bill Consolidation Loan
5.50%
View
▼
APR5.50%
Last UpdatedMarch 27, 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 27, 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 27, 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 27, 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
PV/Solar Loans
5.99%
View
▼
APR5.99%
Last UpdatedMarch 27, 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 27, 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 27, 2026
Details

As Low As; Flexible terms available

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 27, 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 27, 2026
Details

Fixed-rate

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI, 96766
PV Loans
6.00%
View
▼
APR6.00%
Last UpdatedMarch 27, 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
6.00%
View
▼
APR6.00%
Last UpdatedMarch 27, 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.)
6.00%
View
▼
APR6.00%
Last UpdatedMarch 27, 2026
Details

$15,000; 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
6.00%
View
▼
APR6.00%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI, 96766
Personal Loans
6.00%
View
▼
APR6.00%
Last UpdatedMarch 27, 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 27, 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.

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 27, 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 27, 2026
Details

As Low As

Kauai Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
2976 Ewalu St, Lihue, HI, 96766
Personal Loans
6.25%
View
▼
APR6.25%
Last UpdatedMarch 27, 2026
Details

As Low As; Contact us about rates

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 27, 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 27, 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
PV/Solar Loans Refinance
6.49%
View
▼
APR6.49%
Last UpdatedMarch 27, 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 27, 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 27, 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.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI, 96766
Personal Loans
6.50%
View
▼
APR6.50%
Last UpdatedMarch 27, 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
PV/Solar Loans
6.69%
View
▼
APR6.69%
Last UpdatedMarch 27, 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
PV/Solar Loans Refinance
6.69%
View
▼
APR6.69%
Last UpdatedMarch 27, 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
Photovoltaic System Loan*
6.74%
View
▼
APR6.74%
Last UpdatedMarch 27, 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 27, 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 27, 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 27, 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 27, 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 27, 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 27, 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
PV/Solar Loans
6.99%
View
▼
APR6.99%
Last UpdatedMarch 27, 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
7.00%
View
▼
APR7.00%
Last UpdatedMarch 27, 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 27, 2026
Details

As Low As

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI, 96766
Personal Loans
7.00%
View
▼
APR7.00%
Last UpdatedMarch 27, 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 27, 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 27, 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 27, 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 27, 2026
Details

As Low As

Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
107 E Wakea Ave, Kahului, HI, 96732
Holiday Loans
7.00%
View
▼
APR7.00%
Last UpdatedMarch 27, 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 27, 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 27, 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 27, 2026
Details

As Low As

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 27, 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 27, 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)
7.27%
View
▼
APR7.27%
Last UpdatedMarch 27, 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 27, 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 27, 2026
Details

Up to $50,000

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI, 96766
Personal Loans
7.50%
View
▼
APR7.50%
Last UpdatedMarch 27, 2026
Details

No additional details available.

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 27, 2026
Details

No additional details available.

Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
107 E Wakea Ave, Kahului, HI, 96732
Personal Loan
7.50%
View
▼
APR7.50%
Last UpdatedMarch 27, 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 27, 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.

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 27, 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 27, 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 27, 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 27, 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 27, 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 27, 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 27, 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 27, 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 27, 2026
Details

Up to $50,000

Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
107 E Wakea Ave, Kahului, HI, 96732
Personal Loan
8.00%
View
▼
APR8.00%
Last UpdatedMarch 27, 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
8.00%
View
▼
APR8.00%
Last UpdatedMarch 27, 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
8.00%
View
▼
APR8.00%
Last UpdatedMarch 27, 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 27, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI, 96766
Personal Loans
8.00%
View
▼
APR8.00%
Last UpdatedMarch 27, 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 27, 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 27, 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
8.25%
View
▼
APR8.25%
Last UpdatedMarch 27, 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 27, 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 27, 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
8.50%
View
▼
APR8.50%
Last UpdatedMarch 27, 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 27, 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 27, 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
8.74%
View
▼
APR8.74%
Last UpdatedMarch 27, 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 27, 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 27, 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 27, 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 27, 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
9.00%
View
▼
APR9.00%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
107 E Wakea Ave, Kahului, HI, 96732
Personal Loan
9.00%
View
▼
APR9.00%
Last UpdatedMarch 27, 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 27, 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
9.00%
View
▼
APR9.00%
Last UpdatedMarch 27, 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
9.24%
View
▼
APR9.24%
Last UpdatedMarch 27, 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 27, 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
9.25%
View
▼
APR9.25%
Last UpdatedMarch 27, 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 27, 2026
Details

$15,000; 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 27, 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 27, 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 27, 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 27, 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 27, 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 27, 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%
View
▼
APR9.99%
Last UpdatedMarch 27, 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 27, 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
10.00%
View
▼
APR10.00%
Last UpdatedMarch 27, 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 27, 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 27, 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
11.00%
View
▼
APR11.00%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
94 809 Lumiaina St, Waipahu, HI, 96797 5025
Personal Loan
8.50%
View
▼
APR8.50%
Last UpdatedMarch 27, 2026
Details

As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Waipahu Town Center, Waipahu, HI, 96797
Personal Loans
8.50%
View
▼
APR8.50%
Last UpdatedMarch 27, 2026
Details

As Low As; up to $10,000.00

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Waipahu Town Center, Waipahu, HI, 96797
Personal Loans (12 months)
8.50%
View
▼
APR8.50%
Last UpdatedMarch 27, 2026
Details

As Low As; Click to learn more

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
94 809 Lumiaina St, Waipahu, HI, 96797 5025
Personal Loan
8.75%
View
▼
APR8.75%
Last UpdatedMarch 27, 2026
Details

As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Waipahu Town Center, Waipahu, HI, 96797
Personal Loans
8.75%
View
▼
APR8.75%
Last UpdatedMarch 27, 2026
Details

As Low As; up to $10,000.00

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
94 809 Lumiaina St, Waipahu, HI, 96797 5025
Personal Loan
9.00%
View
▼
APR9.00%
Last UpdatedMarch 27, 2026
Details

As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Waipahu Town Center, Waipahu, HI, 96797
Personal Loans
9.00%
View
▼
APR9.00%
Last UpdatedMarch 27, 2026
Details

As Low As; up to $10,000.00

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
94 809 Lumiaina St, Waipahu, HI, 96797 5025
Personal Loan
9.50%
View
▼
APR9.50%
Last UpdatedMarch 27, 2026
Details

As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Waipahu Town Center, Waipahu, HI, 96797
Personal Loans
9.50%
View
▼
APR9.50%
Last UpdatedMarch 27, 2026
Details

As Low As; up to $10,000.00

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
94 809 Lumiaina St, Waipahu, HI, 96797 5025
Personal Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details

As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Waipahu Town Center, Waipahu, HI, 96797
Personal Loans
9.99%
View
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details

As Low As; up to $10,000.00

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
94 809 Lumiaina St, Waipahu, HI, 96797 5025
Personal Loan
11.00%
View
▼
APR11.00%
Last UpdatedMarch 27, 2026
Details

As Low As

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Waipahu Town Center, Waipahu, HI, 96797
Personal Loans
11.00%
View
▼
APR11.00%
Last UpdatedMarch 27, 2026
Details

As Low As; up to $10,000.00

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 27, 2026
Details

As Low As

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI, 96766
Personal Loans
5.00%
View
▼
APR5.00%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI, 96766
Personal Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 27, 2026
Details

As Low As

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3417 Poipu Rd # 701, Koloa, HI, 96756 8517
Personal Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 27, 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
5.25%
View
▼
APR5.25%
Last UpdatedMarch 27, 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 27, 2026
Details

As Low As

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI, 96766
Personal Loans
5.50%
View
▼
APR5.50%
Last UpdatedMarch 27, 2026
Details

No additional details available.

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 27, 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
6.00%
View
▼
APR6.00%
Last UpdatedMarch 27, 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.)
6.00%
View
▼
APR6.00%
Last UpdatedMarch 27, 2026
Details

$15,000; As Low As

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI, 96766
Personal Loans
6.00%
View
▼
APR6.00%
Last UpdatedMarch 27, 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 27, 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.

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 27, 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 27, 2026
Details

As Low As

Kauai Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
2976 Ewalu St, Lihue, HI, 96766
Personal Loans
6.25%
View
▼
APR6.25%
Last UpdatedMarch 27, 2026
Details

As Low As; Contact us about rates

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 27, 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 27, 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.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI, 96766
Personal Loans
6.50%
View
▼
APR6.50%
Last UpdatedMarch 27, 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 27, 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 27, 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 27, 2026
Details

$15,000; As Low As

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI, 96766
Personal Loans
7.00%
View
▼
APR7.00%
Last UpdatedMarch 27, 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
7.25%
View
▼
APR7.25%
Last UpdatedMarch 27, 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 27, 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 27, 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
7.50%
View
▼
APR7.50%
Last UpdatedMarch 27, 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.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI, 96766
Personal Loans
7.50%
View
▼
APR7.50%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
107 E Wakea Ave, Kahului, HI, 96732
Personal Loan
7.50%
View
▼
APR7.50%
Last UpdatedMarch 27, 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 27, 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 27, 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 27, 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 27, 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 27, 2026
Details

No additional details available.

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI, 96766
Personal Loans
8.00%
View
▼
APR8.00%
Last UpdatedMarch 27, 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 27, 2026
Details

No additional details available.

Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
107 E Wakea Ave, Kahului, HI, 96732
Personal Loan
8.00%
View
▼
APR8.00%
Last UpdatedMarch 27, 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
8.00%
View
▼
APR8.00%
Last UpdatedMarch 27, 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 27, 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
8.25%
View
▼
APR8.25%
Last UpdatedMarch 27, 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 27, 2026
Details

$15,000; 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 27, 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
8.75%
View
▼
APR8.75%
Last UpdatedMarch 27, 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 27, 2026
Details

$15,000; 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 27, 2026
Details

No additional details available.

Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
107 E Wakea Ave, Kahului, HI, 96732
Personal Loan
9.00%
View
▼
APR9.00%
Last UpdatedMarch 27, 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
9.00%
View
▼
APR9.00%
Last UpdatedMarch 27, 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
9.24%
View
▼
APR9.24%
Last UpdatedMarch 27, 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
9.25%
View
▼
APR9.25%
Last UpdatedMarch 27, 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 27, 2026
Details

$15,000; 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 27, 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 27, 2026
Details

$15,000; 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
10.00%
View
▼
APR10.00%
Last UpdatedMarch 27, 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
11.00%
View
▼
APR11.00%
Last UpdatedMarch 27, 2026
Details

No additional details available.

No debt consolidation personal loan rates found in Waipahu, HI currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
94 595 Kupuohi St, Waipahu, HI, 96797
Signature Loans
7.50%
View
▼
APR7.50%
Last UpdatedMarch 27, 2026
Details

As Low As

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
94 595 Kupuohi St, Waipahu, HI, 96797
Signature Loans
8.00%
View
▼
APR8.00%
Last UpdatedMarch 27, 2026
Details

As Low As

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
94 595 Kupuohi St, Waipahu, HI, 96797
Signature Loans
8.50%
View
▼
APR8.50%
Last UpdatedMarch 27, 2026
Details

As Low As

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
94 595 Kupuohi St, Waipahu, HI, 96797
Signature Loans
9.00%
View
▼
APR9.00%
Last UpdatedMarch 27, 2026
Details

As Low As

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
94 595 Kupuohi St, Waipahu, HI, 96797
Signature Loans
9.50%
View
▼
APR9.50%
Last UpdatedMarch 27, 2026
Details

As Low As

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 27, 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 27, 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 27, 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 27, 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 27, 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 27, 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 27, 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 27, 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 27, 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 27, 2026
Details

$30,000

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 27, 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 27, 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 27, 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 27, 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 27, 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 27, 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 27, 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
8.50%
View
▼
APR8.50%
Last UpdatedMarch 27, 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 27, 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 27, 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%
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▼
APR8.74%
Last UpdatedMarch 27, 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 27, 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%
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▼
APR8.99%
Last UpdatedMarch 27, 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%
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▼
APR9.00%
Last UpdatedMarch 27, 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 27, 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 27, 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 27, 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 27, 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 27, 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 27, 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%
View
▼
APR9.99%
Last UpdatedMarch 27, 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%
View
▼
APR10.24%
Last UpdatedMarch 27, 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 27, 2026
Details

No additional details available.

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

Frequently Asked Questions

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

Most lenders in Waipahu, 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 Waipahu, 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 Waipahu, 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 Waipahu, Hawaii?

Credit unions in Waipahu, 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 Waipahu, Hawaii?

  • HawaiiUSA Federal Credit Union: 4.50% (Emergency Relief Loan)
  • American Savings Bank, FSB: 6.25% (Veterans Affairs (VA) Loans2)
  • Hawaiian Financial Federal Credit Union: 7.50% (Signature Loans)
  • Aloha Pacific Federal Credit Union: 7.99% (Personal Term Loan - 12 months)
  • Hawaii State Federal Credit Union: 8.50% (Personal Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Waipahu, Hawaii. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 27, 2026.

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