Apply for a Personal Loan
Aloha and thank you for thinking of HFS Federal Credit Union!
Fixed Term and Interest Rate Personal Loans
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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 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.
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 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. -
Reviews
Personal Loans Reviews
Great personnelPaid off 2 consolidated loans working w Sandy. I actually requested Sandy because it was like working w a friend. Online signing was the best because I was traveling when my loan was approved.
Mahalo for your review! We are so happy Sandy was able to help you and make it easy with online signing!
Thanks HFS!Just paid off my personal loan. I am glad HFS was there for my family when we needed help.
Aloha Kenneth - congratulations on the loan payoff! We are always here to help in any way we can, and we're so glad we were able to help you and your ‘ohana.
So helpful!We have maintained a loan balance and refinanced several times since 2009. Service has been consistently prompt and accommodating, and we have always been treated with respect and dignity. The lending structure has enabled us to pay off the small remaining balance early, and celebrate! Very grateful ..
Aloha Heather - thank you for your kind review, and congrats on paying off your remaining balance early!
Exceptional customer servicesGot a loan with ease in less then a day, From step one til the end the loan agents there were super helpful, considerate and very well prepared to answer any questions that I had. I would highly recommend HFS FCU for all banking needs. 10 thumbs up!!!!!!!
Mahalo Raynette!
Personal LoanI am so Happy that I applied for this loan with Beverly. She helped me through this difficult time and I cannot thank her enough for making this process stress-free. Mahalo mahalo mahalo!!!!!
Aloha JoanaRae, so glad we were able to help.
Best Of the BestExcellent service, by all personnel.
Mahalo Glen!
Life saver, thank you Ryan for being so patient!I was able to get the best personal consolidation loan with Ryan, it was a very big help for our family. I cannot believe how low our rate was! We look forward to doing all of our finances via HFS, can't wait to open up our business accounts with you guys!
Thank you very much!That's so fantastic Janet! We're glad we were able to help. Mahalo for your review!
Best customer service experience!I didn’t even have to go in to the office. All of my loan paperwork was done online and through the phone. My loan officer was so quick and provided the best customer service experience ever!
That's wonderful to hear Rozanna - Mahalo for your review!
Amazing Service and Staff!Worked with Peggy on a loan and she was on top of it the whole way. Constant communication and great service! Would not use anyone else except HFS. They care about you and always willing to help.
We are so glad that Peggy was able to make it such a great experience - Mahalo Anne!
Thorough an easy to work with...Best financial institution to work with!!
The personnel in the loan department are awesome and very easy to work with👍.Thank You again😊
Mahalo Glen! We are so happy we could help :)
Great Experience!The loan I made last year with Gerald was quick and painless! Gerald was thorough and accommodating. He answered my questions and we completed the process in under an hour. I am so grateful that HFS has such pleasant and efficient employees!
Mahalo Marlene!
More Reviews »« Previous ReviewsBest Customer ServiceI recently got a personal loan through Ryan. I have dealt with Ryan before and he is the consummate professional! He made the process very easy and couldn't have been more helpful. He is a wonderful person to deal with and a true asset to your organization. Thank you, Ryan!
Mahalo for sharing Marlene! So glad that Ryan could assist you.
My Review
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Rates & Fees
Rates Effective as of: 09-22-2023
Personal Loans
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 Info
Additional discounts available, applicable to the rates table:
- 0.25% discount with Automatic Transfer from Share Draft, Share Account, or Payroll Deduction
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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.
