Best Personal Loan Rates in Waipahu, 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 Waipahu, Hawaii include: 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, 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, HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit UnionWaipahu Town Center, Waipahu, HI, 96797A+5.0 ★Texas Ratio: 2.50% offering Personal Loans at 8.50% APR, and Maui Teachers Federal Credit UnionMaui Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering Share/Signature at 4.00% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Waipahu has 4 local institutions in our database, with personal loan rates as low as 7.50% APR from Hawaiian Financial Federal Credit Union at 94 595 Kupuohi St, Waipahu, HI, 96797. 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 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: 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; Easy to apply! Fixed-rate Bill Consolidation Loan
As Low As; A fixed-rate Consolidation Loan will help clean-up holiday spending and other bills. Flexible terms available, loan rate starts as low as 5.99% APR.
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As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
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As Low As; *APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
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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; *APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
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As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
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As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
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As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
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As Low As; *APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
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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Maximum Loan Amount is $20,000. Lower limits may be applicable.
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Waipahu, HI Personal Loan Rate Trends
Compare local Waipahu, 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.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Waipahu, Hawaii personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Waipahu, Hawaii directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Waipahu, Hawaii. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in HI.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
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 Waipahu, Hawaii?
What are the best personal loan rates in Waipahu, Hawaii?
- 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)
- HawaiiUSA Federal Credit Union: 8.50% (Personal Loans)
- Maui Teachers Federal Credit Union: 4.00% (Share/Signature)
Personal Loan Calculators
