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Overview
What is a Personal Loan?
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.
How it Works
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 on 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 also call us at (800) 216-2666 to schedule an appointment with a loan officer.
Benefits of a Personal Loan
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 1.99% APR is derived by discounting the rate of 2.24% APR with a 0.25% discount for automatic payments. Monthly payments at 1.99% APR for 12 months will be $842.80 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 Hawaii. A nonrefundable $1.00 fee is required to establish membership with the Credit Union. A minimum opening balance of $50.00 is required to open a Savings Account. Insured by NCUA.
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Reviews
Personal Loans Reviews
Great loan experienceI got a loan with HFS and was approved the same day. I am still excited about it as I would have otherwise had to pay a very high rate of interest on my credit cards. Thanks HFS you are a life saver.
Mahalo for sharing Jackie - we're so glad we could help!
Mahalo nui once again TammyExtremely pleased with personal/refinance loan I received. Excellent service as always.
Mahalo Chris!
Fast, friendly, & simple!I applied for a personal loan online with HFS. I was instantly approved and Gerald called me the next business day to verify some information. I was able to electronically sign for the loan that night and had my funds deposited the next morning. The process was so simple, Gerald was friendly and helpful, and I am very pleased with the interest rate on my loan. Thank you HFS!
Mahalo Ash for sharing your experience!
Awesome Customer ServiceConsolidating my Loans with HFS FCU was such a pleasant experience with Ryan @ the Honokaa Branch. I highly recommend Ryan to anyone in need of financial services. He is extremely knowledgeable and pleasant to work with...What a Great asset to this Company. Thanks again Ryan and HFS FCU for taking such great care of me and my Ohana!!
Mahalo for sharing Stephanie - we are so happy that Ryan made it such a great experience for you!
Consolidated billsI worked with Sandra from the PKP branch.She was very polite & helped me Get the loan done quickly.Thank you
Mahalo Joseph - we are so glad Sandra was able to help you!
LoanI just got a consumer loan from HFC and worked with Ryan in Keaau, Hawaii. He was skilled, friendly, helpful and wonderful and helped so much to make the process seamless and effective.
Thank you Julia! We'll be sure to show this to Ryan :)
Professional Personal ServiceWorked with Laila twice at the Kinoole Branch. She is knowledgeable, helpful, quick, efficient, personable & professional! She made the loan process a breeze!
Mahalo Bev for your review!
Wonderful!So fortunate we have an awesome and very understanding credit union that will do all it can to help their members in whatever needs they have. Loan process exceeded my expectations. Hope they open a branch in Pahoa. Mahalo!
Mahalo for your review Grace!
Auto loan and Consolidation LoanGetting a Auto Loan and Consolidating my Loans with HFS FCU was such a pleasant experience with Beverly @ the Prince Kuhio Branch. I highly recommend Beverly to anyone in need of financial services. What a Great asset to this Company. Thanks again Beverly and HFS FCU for taking some stress off my life!!
Mahalo for your review Mitchell!
So easy to make a loan!Beverly has made all my loan experiences so easy that my husband thinks we can buy anything in this world!
Mahalo for your review Denise!
Excellent customer serviceExcellent quality Customer Service, friendly and helpful.
Mahalo Judith!
More Reviews »« Previous ReviewsExcellant Customer ServiceI have been banking with HFS since it was a small building on Kinoole St. Custoner service in person & on the phone have been excellent.
I recently applied for a personal loan. Although the wait time was longer than normal due to a staffing shortage as well as a flood of loan applications due to the special, once I got to speak to a Specialist, it was done in about an hour.
I always recommend HFS to anyone who's looking for a financial institution!Mahalo Jodi for your review, and for your membership!
My Review
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Rates & Fees
Rates Effective as of: 03-03-2021
Personal Loans
Term Annual Percentage Rate Up to 12 months 2.24% - 12.75% 13 - 36 Months 3.24% - 14.50% 37 to 60 Months 3.24% - 15.50% (1)APR=Annual Percentage Rate. The 1.99% APR is derived by discounting the rate of 2.24% APR with a 0.25% discount for automatic payments. Monthly payments at 1.99% APR for 12 months will be $842.80 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.
Additional discounts available, applicable to the rates table:
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.
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 nonrefundable $1.00 fee is required to establish membership with the Credit Union. A minimum opening balance of $50.00 is required to open a Savings Account. Insured by NCUA.
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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.