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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
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!
Excellant 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!
Quick and easyNeeded personal loan for multiple life opportunity moments. Same day and done in less than an hour.
Thank youThanks for sharing Micah! Awesome to hear about the speedy service.
Owner operator Gearheadz KamuelaI have been checking with HFS Kamuela for 6 years + now. Laura and family have been nothing short of excellent! Fantastic support and great customer service... the foundation of any successful business. My personal loan was used to buy my 2005 F150 4x4, which me and my family love. Thank you for everything gang!!
Jason
Gearheadz Auto SalonMahalo Jason for your review!
The process was easy for me.I was so surprised how easy this personal loan was. I need to reroof my house and it seemed like a huge expenditure. I put it off for a long time. Next time I'll expect the same great service, and I won't wait so long.
Mahalo Peggy!
Roofing loanHFS gave be the best rates & the best I've ever had. So nice to do business with a lending establishment that puts the customer first!
Mahalo George!
More Reviews »« Previous ReviewsGreat loan experience!I got a personal loan about 5 years ago from HFS. The loan officer was friendly, helpful, and professional. The rate and terms were excellent so I was able to pay the loan back with no stress. I was absolutely satisfied with the entire process and highly recommend HFS for loans and all banking needs. Thank You!
Aloha Susan, thanks so much for leaving a review about your experience. Mahalo!
My Review
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Rates & Fees
Rates Effective as of: 04-06-2020
Personal Loans
Term Annual Percentage Rate 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.
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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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.