Best Personal Loan Rates in Hawaii - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Hawaii include: HAWAIIAN ELECTRIC EMPLOYEESHAWAIIAN ELECTRIC EMPLOYEES770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813A+5.0 ★Texas Ratio: 1.30% offering Special: 5 Years Loan at 4.00% APR, Gather Federal Credit UnionGather Federal Credit Union4493 Pahee St, Lihue, HI, 96766A5.0 ★Texas Ratio: 6.06% offering Summer Loans at 4.00% APR, CU Hawaii Federal Credit UnionCU Hawaii Federal Credit Union75 5781 Kuakini Hwy, Kailua Kona, HI, 96740 1734A+5.0 ★Texas Ratio: 0.94% offering SmartScore Credit Builder Program Loan at 4.70% APR, Schofield Federal Credit UnionSchofield Federal Credit UnionPO Box 860669, Wahiawa, HI, 96786 0669A+5.0 ★Texas Ratio: 0.10% offering Loan Special at 4.99% APR, and Hawaii Law Enforcement Federal Credit UnionHawaii Law Enforcement Federal Credit Union801 S Beretania St, Honolulu, HI, 96813A+5.0 ★Texas Ratio: 2.71% offering Renewable Energy Loan at 5.00% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Hawaii side-by-side. Hawaii personal loan rates currently start as low as 4.00% APR from HAWAIIAN ELECTRIC EMPLOYEES at 770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Hawaii.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Hawaii. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: July 25, 2026
Hawaii Personal Loan Rates
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Starting at 6.00%
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As low as; Qualifying balance up to $25,000
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As Low As; Starting at 7.00%
Starting at 7.00%
As Low As; Minimum: $300.00, Maximum: $25,000.00
As Low As; Signature loan
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As low as; Qualifying balance up to $25,000
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No additional details available.
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 11 monthly payments of $86.99 + 1 of $86.41
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Starting at 8.25%
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No additional details available.
As low as
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
As low as
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
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As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 24 monthly payments of $45.45
As Low As; Signature loan
As low as; Qualifying balance up to $25,000
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As low as
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 35 monthly payments of $31.68 + 1 of $31.45
Starting at 8.75%
As Low As
As Low As
As Low As; Signature loan
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 47 monthly payments of $24.89 + 1 of $24.70
No additional details available.
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
As low as; Qualifying balance up to $25,000
Starting at 9.25%
As Low As
As low as
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
Rates subject to change. 9.467% APR is based on a $100,000 loan amount with interest-only payments for a term of two years. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. The maximum credit line is $1,000,000 up to 75% LTV. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details.
As Low As; Signature loan
Cash Advance APR: 9.50%; Balance Transfer APR: 9.50%
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 59 monthly payments of $21.00 + 1 of $20.84
Variable; Max Balance: $20,000
As Low As; Signature loan
As low as; Qualifying balance up to $25,000
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Starting at 9.75%
As Low As; Signature loan
Rates subject to change. 9.991% APR is based on a $100,000 loan amount with interest-only payments for a term of two years. The maximum credit line is $900,000 up to 80% LTV. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. Accrued interest is payable with each draw. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details.
No additional details available.
As Low As; Signature loan
No additional details available.
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As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 71 monthly payments of $19.03 + 1 of $18.86
No additional details available.
Rates subject to change. 11.05% APR is based on a $100,000 loan amount with interest-only payments for a term of one year. The maximum credit line is $900,000 up to 80% LTV. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. Accrued interest is payable with each draw. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details.
No additional details available.
Variable; Max Balance: $20,000
Unsecured closed end loan. Maximum amount allowable is $10,000. Loan payment is $25 per $1,000 borrowed.
As Low As; 5.00% of the outstanding balance
No additional details available.
As Low As
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 83 monthly payments of $19.30 + 1 of $19.06
Cash Advance APR: 15.0% Balance Transfer APR: 15.0%
Fixed; Max Balance: $30,000
Hawaii Personal Loan Rates
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As Low As
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Starting at 6.00%
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Starting at 7.00%
As Low As; Starting at 7.00%
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As low as
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As Low As; *
No additional details available.
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 11 monthly payments of $86.99 + 1 of $86.41
As Low As; *
Starting at 8.25%
As Low As
As low as
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 24 monthly payments of $45.45
As Low As
As Low As; *
Starting at 8.75%
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 35 monthly payments of $31.68 + 1 of $31.45
As Low As
As low as
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 47 monthly payments of $24.89 + 1 of $24.70
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
As Low As; APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.
As Low As
As low as
Starting at 9.25%
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 59 monthly payments of $21.00 + 1 of $20.84
Starting at 9.75%
As Low As
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 71 monthly payments of $19.03 + 1 of $18.86
As Low As; 5.00% of the outstanding balance
As Low As
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 83 monthly payments of $19.30 + 1 of $19.06
Hawaii Debt Consolidation Loan Rates
Hawaii Signature Loan Rates
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As low as; Qualifying balance up to $25,000
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As Low As; Minimum: $300.00, Maximum: $25,000.00
As Low As; Signature loan
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As low as; Qualifying balance up to $25,000
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No additional details available.
As low as
As low as; Qualifying balance up to $25,000
As Low As; Signature loan
As Low As; Signature loan
No additional details available.
As low as; Qualifying balance up to $25,000
As Low As; Signature loan
As Low As; Signature loan
As low as; Qualifying balance up to $25,000
As Low As; Signature loan
As Low As; Signature loan
No additional details available.
No additional details available.
Unsecured closed end loan. Maximum amount allowable is $10,000. Loan payment is $25 per $1,000 borrowed.
Hawaii Personal Loan Rate Trends
Compare local Hawaii personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Hawaii personal loan rates rose 0.033 points over the past 7 days to 8.953% APR.
Hawaii signature loan rates rose 0.886 points over the past 7 days to 9.108% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Hawaii personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Hawaii directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Hawaii. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in HI.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Hawaii?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Hawaii?
Are credit unions or banks better for personal loans in Hawaii?
What are the best personal loan rates in Hawaii?
- HAWAIIAN ELECTRIC EMPLOYEES: 4.00% (Special: 5 Years Loan)
- Gather Federal Credit Union: 4.00% (Summer Loans)
- CU Hawaii Federal Credit Union: 4.70% (SmartScore Credit Builder Program Loan)
- Schofield Federal Credit Union: 4.99% (Loan Special)
- Hawaii Law Enforcement Federal Credit Union: 5.00% (Renewable Energy Loan)
