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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 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
Outstanding customer serviceOutstanding service fast, prompt and caring. Years of service with HFS AND EACH TIME IT GETS BETTER.
Mahalo Harolyn for your review!
Excellent Personalized Service!I applied for a 12 month loan - Tammy was wonderful, personable, and competent as always. We love working with the Keaau Branch - their loan department is awesome. We applied for our loan online - it took about 23 minutes - We had our funds by the next day!
A+ Customer Service Rating!I applied online for a personal loan to help with taxes and a small high-interest credit card balance & was approved instantly. The next day Peggy, my loan officer, contacted me and provided the documents to sign online. The funds were deposited into my account the next morning. I didn't even set foot in the bank! Talk about customer service! Peggy was professional, efficient and friendly! I am so grateful to HFS!
Most convenient bank on this island!!!!Thank you Gerald for the easiest and smoothest loan i’ve ever made!! HIGHLY RECOMMENDED!
Easy and helpfulThis was an easy and quick process. I can always count on HFS!
Great ServiceThank You, Waynette for all the outstanding help. Got a great loan rate and a new credit card. I appreciate everything .
Quick,easy,great rateJust refinanced a personal loan. Set appointment with loan officer to inquire about bringing a loan I currently had to credit union. Ended up with a refinanced loan and a 9 point better interest rate, all within a 2 hr span. Fantastic
Easiest Loan Application Ever!I live in Waikoloa Village. No HFS branch here (yet?). Applied for $25k over the internet. Loan was approved in a next day. Didn't even have to leave home to sign any papers. Loan officer walked over & deposited my check into my checking account at ASB. Great service!
Excellent Service! Quick Results!I wanted to consolidate my credit card debt and stop loosing money with high interest rates. I needed help figuring out what would be the best option for my personal needs and HFS went above and beyond to accommodate my request and help me get to the place I needed to be. The loan adviser was so knowledgeable, patient, sincere, and exceeded my expectations in every way. And the payout was so quick, faster than any other loan I have ever received which allowed me to pay off my debt even faster. Having payments directly taken from my payroll each month makes it even simpler and one less thing I have to think about doing every month. I highly recommend HFS for all financial needs!
Excellent online signingIt was a fast process and I was very happy
Very speedy results !I needed a little extra cash for moving expense's and a rental deposit so I applied for a short term loan instead of maxing out my credit cards . The process was very quick and I had the money I needed in less than an hour !
More Reviews »« Previous ReviewsQuick, Easy & Very Helpful!I got a personal loan from HFS and it only took moments to fill out and be approved. The loan advisor was helpful in helping make the best loan choice. She answered all my questions, advised me on all my options and walked me through the entire process. Making payments is a breeze, it is so convenient and the rates can’t be beat!
My Review
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Rates & Fees
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% Effective Date: February 1, 2019
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 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.