Hawaii Best Personal Loan Rates - September 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: Maui Teachers Federal Credit UnionMaui Teachers Federal Credit Union2145 Wells St Ste 101, Wailuku, HI, 96793A+5.0 ★Texas Ratio: 0.00% offering Solar Heater Loan at 4.50% APR, HAWAIIAN ELECTRIC EMPLOYEESHAWAIIAN ELECTRIC EMPLOYEES770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813A+5.0 ★Texas Ratio: 2.83% offering Bill Consolidation Loan at 4.75% APR, Onomea Federal Credit UnionOnomea Federal Credit Union27 251 Old Mamalahoa Hwy, Papaikou, HI, 96781A+5.0 ★Texas Ratio: 0.51% offering Signature Loans at 5.00% APR, Molokai Community Federal Credit UnionMolokai Community Federal Credit Union135 Puali Place, Kaunakakai, HI, 96748A+5.0 ★Texas Ratio: 2.67% offering Solar Loans at 5.49% APR, and Hawaii State Federal Credit UnionHawaii State Federal Credit Union333 Queen St, Honolulu, HI, 96813A+5.0 ★Texas Ratio: 5.52% offering Roof & Renovation Program Loan at 5.69% APR. Personal loan rates as of September 22, 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 4.50% APR from Maui Teachers Federal Credit Union at 2145 Wells St Ste 101, Wailuku, HI, 96793. Rates are continually updated, so 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: September 22, 2026
Hawaii Personal Loan Rates
No additional details available.
No additional details available.
Maximum Loan Amount is $20,000. Lower limits may be applicable.
As low as; Minimum: $300.00; Maximum: $50,000.00
No additional details available.
Interest Rate2 Months 0-12: 0.00%; Interest Rate2 Months 13-84: 7.70%
Interest Rate2 Months 0-12: 0.00%; Interest Rate2 Months 13-84: 8.10%
No additional details available.
Rates as low as 6.00% APR. Our personal loan is your perfect solution to make purchases or pay for your dream trip. From vacation travel, holiday spending, or even an appliance purchase, you can get the money you need without spending a fortune. Featuring a fixed low rate and an easy-to-make payment, apply for a personal loan today!
Up to $15,000; As low as
No additional details available.
Interest Rate2 Months 0-12: 0.00%; Interest Rate2 Months 13-84: 8.70%
Refinance Rate**
As low as
Published APR range: 6.50% - 16.75%.
No additional details available.
As low as; Loan Amount: Up to $25,000
As Low As; Months 13 - 84; $10,000 min, $50,000 max
No additional details available.
As low as; Rate was 7.50%
No additional details available.
As low as
Published APR range: 6.99% - 10.99%.
Term: Up to 3 years (36 mos.)
Starting at; Personal Loans (Signature - $20,000 max.)
As Low As
$30,000
Dollar Limit: $15,000
Maximum Loan Amount is $20,000. Lower limits may be applicable.
Loan amounts up to $30,000, terms up to 84 months. Monthly payments on a $10,000 loan for 36 months could be as low as $318.00.
As low as
Published APR range: 7.00% - 17.00%.
As Low As; Signature**
As low as
As low as; Rate was 8.00%
As Low As;*
As low as
No additional details available.
Published APR range: 7.49% - 11.49%.
Term: Up to 5 years (60 mos.)
As low as; **~
As Low As
Dollar Limit: $15,000
As low as
Published APR range: 7.50% - 17.50%.
As Low As;*
As low as
As low as; **~
As low as
As low as; Rate was 8.50%
Payment sample: 36 months fixed-rate loan for $15,000 at 7.99% and an Annual Percentage Rate (APR) of 7.99% would have a monthly principal plus interest payment of $470. Other rates and terms available. Membership eligibility requirements apply.
As low as; Minimum: $300.00; Maximum: $25,000.00
Published APR range: 7.99% - 11.99%.
APR as low as1
As Low As; up to $10,000.00
Rate Update: January 1, 2025
No additional details available.
As Low As
Dollar Limit: $15,000
Dollar Limit: $15,000
As low as
Published APR range: 8.00% - 17.99%.
APR as low as1
As low as; **~
As Low As; up to $10,000.00
Starting at; Personal Loans (Signature - $20,000 max.)
As low as
No additional details available.
As low as; Rate was 9.00%
As low as
APR as low as1
As Low As; up to $10,000.00
As Low As; *
Dollar Limit: $15,000
Maximum Loan Amount is $20,000. Lower limits may be applicable.
As low as
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; Signature**
As low as
Starting at; Personal Loans (Signature - $20,000 max.)
As low as
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; Rate was 9.50%
As low as
As Low As; Signature**
APR as low as1
As low as; **~
As Low As; up to $10,000.00
Rate Update: January 1, 2025
As Low As
Dollar Limit: $15,000
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.
No additional details available.
No additional details available.
As low as
As low as; **~
As Low As; up to $10,000.00
Starting at; Personal Loans (Signature - $20,000 max.)
As low as
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; Signature**
APR as low as1
As Low As; Signature**
No additional details available.
As low as
Starting at; Personal Loans (Signature - $20,000 max.)
APR as low as1
As Low As; Signature**
Rate Update: January 1, 2025
Dollar Limit: $10,000
As Low As; Signature**
As Low As; up to $10,000.00
Dollar Limit: $10,000
No additional details available.
Rate Update: January 1, 2025
Dollar Limit: $10,000
No additional details available.
Payment: 5.00% of the outstanding balance
Dollar Limit: $3,000
Dollar Limit: $3,000
Dollar Limit: $3,000
Hawaii Personal Loan Rates
Rates as low as 6.00% APR. Our personal loan is your perfect solution to make purchases or pay for your dream trip. From vacation travel, holiday spending, or even an appliance purchase, you can get the money you need without spending a fortune. Featuring a fixed low rate and an easy-to-make payment, apply for a personal loan today!
Published APR range: 6.50% - 16.75%.
As Low As; Months 13 - 84; $10,000 min, $50,000 max
No additional details available.
As low as
Starting at; Personal Loans (Signature - $20,000 max.)
As Low As
Dollar Limit: $15,000
Published APR range: 7.00% - 17.00%.
As low as
As Low As;*
As low as
No additional details available.
As low as; **~
As Low As
Dollar Limit: $15,000
Published APR range: 7.50% - 17.50%.
As Low As;*
As low as; **~
As low as
Payment sample: 36 months fixed-rate loan for $15,000 at 7.99% and an Annual Percentage Rate (APR) of 7.99% would have a monthly principal plus interest payment of $470. Other rates and terms available. Membership eligibility requirements apply.
APR as low as1
As Low As; up to $10,000.00
Rate Update: January 1, 2025
No additional details available.
As Low As
Dollar Limit: $15,000
Dollar Limit: $15,000
Published APR range: 8.00% - 17.99%.
APR as low as1
As low as; **~
As Low As; up to $10,000.00
Starting at; Personal Loans (Signature - $20,000 max.)
As low as
As low as
APR as low as1
As Low As; up to $10,000.00
As Low As; *
Dollar Limit: $15,000
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.
Starting at; Personal Loans (Signature - $20,000 max.)
As low as
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 as low as1
As low as; **~
As Low As; up to $10,000.00
Rate Update: January 1, 2025
As Low As
Dollar Limit: $15,000
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.
No additional details available.
As low as; **~
As Low As; up to $10,000.00
Starting at; Personal Loans (Signature - $20,000 max.)
As low as
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.
APR as low as1
No additional details available.
Starting at; Personal Loans (Signature - $20,000 max.)
APR as low as1
Rate Update: January 1, 2025
Dollar Limit: $10,000
As Low As; up to $10,000.00
Dollar Limit: $10,000
Rate Update: January 1, 2025
Dollar Limit: $10,000
Payment: 5.00% of the outstanding balance
Dollar Limit: $3,000
Dollar Limit: $3,000
Dollar Limit: $3,000
Hawaii Debt Consolidation Loan Rates
Hawaii Signature Loan Rates
Maximum Loan Amount is $20,000. Lower limits may be applicable.
As low as
As low as; Loan Amount: Up to $25,000
As low as; Rate was 7.50%
$30,000
Maximum Loan Amount is $20,000. Lower limits may be applicable.
Loan amounts up to $30,000, terms up to 84 months. Monthly payments on a $10,000 loan for 36 months could be as low as $318.00.
As low as
As Low As; Signature**
As low as; Rate was 8.00%
As low as
As low as
As low as; Rate was 8.50%
As low as; Minimum: $300.00; Maximum: $25,000.00
As low as
No additional details available.
As low as; Rate was 9.00%
Maximum Loan Amount is $20,000. Lower limits may be applicable.
As low as
As Low As; Signature**
As low as
As low as; Rate was 9.50%
As Low As; Signature**
No additional details available.
As low as
As Low As; Signature**
As Low As; Signature**
As low as
As Low As; Signature**
As Low As; Signature**
No additional details available.
No additional details available.
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 fell 0.020 points over the past 7 days to 8.621% APR.
Hawaii signature loan rates fell 0.048 points over the past 7 days to 8.211% APR.
Hawaii Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Hawaii figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current HI average personal loan APR of 8.62%, across the terms lenders serving Hawaii most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $227.56/mo | $158.12/mo | $123.53/mo | $102.88/mo |
| $10,000 | $455.11/mo | $316.24/mo | $247.06/mo | $205.75/mo |
| $15,000 | $682.67/mo | $474.36/mo | $370.58/mo | $308.63/mo |
| $25,000 | $1,137.78/mo | $790.59/mo | $617.64/mo | $514.38/mo |
| $35,000 | $1,592.89/mo | $1,106.83/mo | $864.70/mo | $720.13/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Hawaii
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the HI personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (HI average) | 8.62% | $370.58 | $2,788 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $3,362 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,896 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $6,488 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
How to Get the Best Personal Loan Rate in Hawaii
Prequalify With a Soft Credit Check
Most lenders serving Hawaii will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Hawaii data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle? A secured Hawaii auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a Hawaii high-yield savings account costs nothing and earns interest instead of paying it
Hawaii Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $371 monthly loan payment is roughly 9.2% of the median individual income in Hawaii. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Hawaii.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current HI average, or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
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 is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in Hawaii?
- Maui Teachers Federal Credit Union: 4.50% (Solar Heater Loan)
- HAWAIIAN ELECTRIC EMPLOYEES: 4.75% (Bill Consolidation Loan)
- Onomea Federal Credit Union: 5.00% (Signature Loans)
- Molokai Community Federal Credit Union: 5.49% (Solar Loans)
- Hawaii State Federal Credit Union: 5.69% (Roof & Renovation Program Loan)
