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Overview
Why get a Personal Loan from HFS?
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!
- Competitive interest rates
- Terms up to 60 months
- Borrow up to $25,000
- Receive a 0.25% interest rate reduction when you setup Automatic Payments
- No prepayment penalty
Review
Cliff
Awesome loan process. It was very convenient especially electronic signing.
1APR=Annual Percentage Rate. The 5.50% APR is derived by discounting the 12 month rate of 5.75% APR with a 0.25% discount for automatic payments. Monthly payments at 5.50% APR for 12 months will be $85.88 per $1,000.00 borrowed. The actual rates and APR depend on credit history and loan terms. Subject to credit approval. Refinances of existing HFS loans do not qualify for this offer.
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 required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii. A non-refundable $1.00 fee is required to establish membership. A minimum opening balance of $50.00 is required to open a savings account.
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Reviews
Personal Loans Reviews
Easy process.This was my second time to request an online loan. Service was quick and friendly.
Mahalo for your review Grace. We're so glad to hear about your experience.
personal loanThis is the second loan I have had with HFS and I must say, it has been painless, quick and the rates have been amazing!
I have turned others on to Banking with HFS-FCU.Mahalo Larry! Thanks for referring us, we really appreciate it.
FantasticWe just love the people at HFS. Thank you very much for all the help with our home repairs.
Mahalo Albert and Sandee, we are happy to be able to help!
OwsomePersonal loan
Mahalo Melani!
Get a loan without leaving home!I applied online for a personal loan and didnʻt expect to get approved and sign papers all in a few days! Mahalo Peggy for your expertise and patience in helping me complete everything and doing it online. Thank goodness for technology and most of all wonderful staff!
Mahalo Denise!
Gotta Love HFSF CU!As my first time applying for a personal loan, it was a great experience!! Peggy was very helpful and is a pleasure doing business with.
Mahalo Casey!
Fine ServiceMy experience obtaining a personal loan from HFSFCU was the same as my experience obtaining other services from this credit union. The person helping me has always been knowledgeable, patient, and personable. I am grateful to have such an efficient and friendly institution to handle my monetary affairs. Thanks!
Mahalo Michael!
No Ka 'Oi HFS-Federala Hale ho'ai'e kala (FCU) ma o Hawai'iMy praise and commendations here cannot even begin to extol the many wonderful, friendly, and excellent assistance, courtesies, and services provided by the HFS -FCU staff. In particular, special kudos to Waynette-Anne, Loan Officer, and Tammy, Assistant Manager, in speedily preparing, processing and approving my recent No Ka 'Oi loan application. Mahalo nui loa.
Mahalo Chris for such a kind review! We will make sure that Waynette and Tammy also see this. Have a wonderful day!
Great Customer ServiceI got a personal loan from HFS and Lola made it so easy. She was very personable and took care of everything!
Mahalo Brittany for your review - we will make sure Lola sees this as well!
EasyI just got s personal loan and it was quick and easy. Thank you.
Mahalo Jensen!
LoanGreat people made it verry easy
Mahalo Sharlene!
More Reviews »« Previous ReviewsOutstanding customer serviceOutstanding service fast, prompt and caring. Years of service with HFS AND EACH TIME IT GETS BETTER.
Mahalo Harolyn for your review!
My Review
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Rates & Fees
Rates Effective as of: 06-27-2019
Personal Loans
Term Annual Percentage Rate Personal Loan Up to 12 months 5.75% - 14.75% 13 - 36 Months 6.50% - 16.50% 37 to 60 Months 7.50% - 17.50% Additional discounts available: 0.25% discount with Automatic Transfer from Share Draft, Share Account, or Payroll Deduction.
Subject to credit approval. Rate may vary based on individual creditworthiness and loan term.1APR=Annual Percentage Rate. The 5.50% APR is derived by discounting the 12 month rate of 5.75% APR with a 0.25% discount for automatic payments. Monthly payments at 5.50% APR for 12 months will be $85.88 per $1,000.00 borrowed. The actual rates and APR depend on credit history and loan terms. Subject to credit approval. Refinances of existing HFS loans do not qualify for this offer.
Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii. A non-refundable $1.00 fee is required to establish membership. A minimum opening balance of $50.00 is required to open a savings account.
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Calculator
Calculator
Calculate your monthly payments.
Personal Loan Calculator
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.
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FAQ
Frequently Asked Questions
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What are your current rates?
Please check the Rates & Fees tab for our most up-to-date rates and available terms.
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What is the maximum we can borrow for a Personal Loan?
The maximum amount you can borrow for a Personal Loan is $25,000. Anything higher will require further review.
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If my current contact information is different than what is shown on my account, should I apply with my new information?
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.
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What are your current rates?
Questions?
Drop us a message anytime with your questions about Personal Loans.