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Personal Loans in Hawaii

"I 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 lifesaver."

- Jackie


Fixed Term and Interest Rate Personal Loans

Rates as low as 5.75% APR1

Monthly Payment


0.25% discount

Get a 0.25% discount with Automatic Transfer from Share Draft, Share Account, or Payroll Deduction


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.

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


How it Works

To apply for a personal loan, click “apply” above to get started.  We recommend using this checklist for a list of documents and information you’ll need for your application. 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.


The process was easy and no fuss. Everything could be done online so I didn't have to take time off of work.

— Christie

Additional info


Additional discounts available, applicable to the rates table:

  • 0.25% discount with Automatic Transfer from Share Draft, Share Account, or Payroll Deduction

Frequently Asked Questions

  • You can view our most up-to-date Personal Loan rates at the top of this page.

  • 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 or schedule an appointment with a loan officer.

  • 1APR=Annual Percentage Rate. The 5.75% APR is derived by discounting the rate of 6.00% APR with a 0.25% discount for automatic payments. Monthly payments at 5.75% APR for 12 months will be $863.58 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.

    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.