Apply for a Personal Loan
Aloha and thank you for thinking of HFS Federal Credit Union!
Aloha and thank you for thinking of HFS Federal Credit Union!
New Members
Complete your application online or visit your nearest HFS branch to meet with a Loan Officer.
Current Members
Log in to Online Banking for a quicker application process.
If you prefer to complete your application in-branch with a Loan Officer, please visit us at your nearest HFS branch location.
A personal loan is a fixed term and interest rate loan meant for personal or household use. A fixed rate and term loan means that whatever rate you qualify for and term you choose at the time you sign for your loan and receive your funds will not change. It is locked in.
To apply for a personal loan, click “apply” above to get started. Once your loan application is submitted, a Loan Officer will review it and contact you within a few days with your application status and any next steps. Once approved, in many cases, you’ll be able to close your loan without needing to come into a branch, since e-signing makes the process simple. If you’re not able to apply for a personal loan online, you can call us at (800) 216-2666 to schedule an appointment with a Loan Officer.
Whether you’re meeting an obligation or preparing for a big purchase you can choose a personal loan that will fit your needs. Applying online is simple and easy!
Cliff![]()
Awesome loan process. It was very convenient especially electronic signing.
1APR=Annual Percentage Rate. The 4.75% APR is derived by discounting the rate of 5.00% APR with a 0.25% discount for automatic payments. Monthly payments at 4.75% APR for 12 months will be $858.27 per $10,000 borrowed. The actual rates and APR depend on credit history and loan terms. Subject to credit approval. Other rates and terms available. Applications may be submitted online or at any HFS FCU branch location.
Insurance products are not products of the Credit Union; and are not obligations of or guaranteed by the Credit Union. Credit Disability Insurance is offered through CUNA Mutual Group.
Membership with the Credit Union is open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawai'i. A minimum opening balance of $50.00 is required to open a Savings Account. Insured by NCUA.
I recently paid off my personal loan and will soon payoff my auto loan. My experience with HFS FCU Honokaa has been positive since I started banking there. Just saying Ryan has consistently kept my financial needs on the forefront and has been of great assistance every time I needed something. No hidden agenda… great service and definitely convenience of having a branch in Honokaa was a blessing, one stop shop.
HFS has also been loyal in trying to find ways to assist their members. An emergency situation caused the need for immediate funds and other places weren't willing to help me. Kerilyn, the Honokaa Branch Manager, was eager to assist and successfully helped me with what I needed. I am forever grateful, and can trust that their caring nature will always look out for the best interest of their members.
Aloha Elle! We are so glad that Kerilyn was able to help you with what you needed. Thank you for your trust in us!
I applied for a personal loan online. I received a phone call with a couple of questions and was immediately approved. I set up auto pymts and it was smooth sailing from then on. The whole process was so quick and smooth.
Mahalo Gayle for your 5-star review! We are so glad we were able to assist you quickly and that the process was smooth.
Excellent experience every time! Highly recommended. I am a happy camper with HFS FCU’s help.
Excellent experience every time! Highly recommended. I am a happy camper with HFS FCU’s help.
Mahalo Gynna for your review! We are so glad that we could be of assistance, and in a timely manner!
I just paid off a loan with HFS and it was such a great experience! I was able to pay my loans through the app with ease. The best part was that I was able to pay any principal payment through the app. So convenient! Especially because I live so far from the closest branch.
Congrats on the loan payoff! Mahalo for your kind words. Happy Holidays!
friendly & efficient service. i will gladly recommend it to my circle of friends.
Mahalo for your kind review, and recommendation!
Great place to get a personal loan very fast in approval...and easy payment setup..
Thank you Betty! We're always happy to be able to help. Glad you had a great experience!
HFS has always been there to help my ‘Ohana when we needed them the most!
We're so glad we could help! Mahalo for the review!
help when you need it great people,to help me out .they have always been there for me .never a bad moment with these folks ,love them.
Mahalo for the review Henry, we are always happy to help!
Personal loan <3% Tammy has helped me reestablish my credit years ago and this latest personal loan was was completed within minutes and set up as a direct deposit payment. Couldn’t be happier with HFSFCU
Mahalo for the review Darrell! We are glad that Tammy was able to assist you and make the process quick and easy!
Gerald was a pleasure to work with. He was incredibly sympathetic and really cared about trying to get the best possible arrangement for me. It was clear that he cared and thought about what would best work for me and my current situation and made the whole process painless and easy. He communicated quickly and clearly and the whole thing was done online, on the phone and through email. I would definitely recommend and would go through them again in a heartbeat. Tremendously grateful and appreciative and very pleased all around!
Aloha Dori, we are so glad Gerald was able to help you and make the process easy and painless. We'll make sure to share this with Gerald as well. Mahalo for the review!
Term | Annual Percentage Rate |
Up to 12 months | 5.00% - 13.75% |
13 - 36 Months | 6.00% - 15.50% |
37 to 60 Months | 7.00% - 16.50% |
(1)APR=Annual Percentage Rate. The 4.75% APR is derived by discounting the rate of 5.00% APR with a 0.25% discount for automatic payments. Monthly payments at 4.75% APR for 12 months will be $858.27 per $10,000 borrowed. The actual rates and APR depend on credit history and loan terms. Subject to credit approval. Other rates and terms available. Applications may be submitted online or at any HFS FCU branch location.
Subject to credit approval. Rate may vary based on individual creditworthiness and loan term.
Membership with the Credit Union is open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii. A minimum opening balance of $50.00 is required to open a Savings Account. Insured by NCUA.
Additional discounts available, applicable to the rates table:
Calculate your monthly payments.
The Calculator Tools are not guarantees of credit. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Please check the Rates & Fees tab for our most up-to-date rates and available terms.
The maximum amount you can borrow for a Personal Loan is $25,000. Anything higher will require further review.
Yes. Please note that during the loan review process, we will need to verify your contact information for discrepancies. To make this process as efficient as possible, please either update your contact information on HFS Online Banking, visit any branch or call 930-1400 before submitting your application.
Drop us a message anytime with your questions about Personal Loans.
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