Hawaii Best Personal Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Hawaii personal loan rates range from 4.00% to 17.00% APR, verified by MonitorBankRates as of October 13, 2026. Current personal loan options available to borrowers in Hawaii include: Hawaii County Employees Federal Credit UnionHawaii County Employees Federal Credit Union131 Puuhonu Way, Hilo, HI, 96720A+5.0 ★Texas Ratio: 0.41% offering Personal Loan at 4.00% APR, 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: 2.31% offering Bill Consolidation Loan at 4.75% APR, Molokai Community Federal Credit UnionMolokai Community Federal Credit Union135 Puali Place, Kaunakakai, HI, 96748A5.0 ★Texas Ratio: 8.78% 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: 5.45% offering Roof & Renovation Program Loan at 5.69% APR. Personal loan rates as of October 13, 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 Hawaii County Employees Federal Credit Union at 131 Puuhonu Way, Hilo, HI, 96720. 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: October 13, 2026
Hawaii Personal Loan Rates
Up to $25,000; Rate is APR*
Fixed rate
No additional details available.
Up to $25,000; Rate is APR*
As Low As; Loan amount: 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%
As Low As; Max Loan: $50,000; Rate Update: September 1, 2023; Owner-occupied properties only
Up to $25,000; Rate is APR*
Up to $15,000; As Low As; Green Loan; Solar (Up to $15,000)
Up to $15,000; Published APR range: As low as 6.00%. As Low As
No additional details available.
Interest Rate2 Months 0-12: 0.00%; Interest Rate2 Months 13-84: 8.70%
As Low As
Published APR range: 6.50% - 16.75%. Rates range from 5.00% - 18.00% APR based on credit history; rates quoted assume excellent borrower credit history
As Low As; Max Loan: $50,000; Rate Update: September 1, 2023; Owner-occupied properties only
As low as; Loan amount up to $25,000
As Low As; $10,000 min, $50,000 max
As Low As; Rates may vary based on individual creditworthiness
No additional details available.
As Low As; Maximum Term; previously 7.50%; APR disclosed is the lowest rate available for a 12-month term
As Low As; Max Loan: $50,000; Rate Update: September 1, 2023; Owner-occupied properties only
As Low As; Personal Loan Rates
Published APR range: 6.99% - 10.99%.
Term: Up to 3 years (36 mos.); Published APR range: 7.00% to 10.50%. A signature loan based on income and credit history.
Up to $25,000; Rate is APR*
$20,000; As Low As; Shorter terms available
No additional details available.
Grade: Platinum; Credit Score: 730+; Dollar Limit: $15,000
Published APR range: 7.00% - 15.00%. Maximum Loan Amount is $20,000. Lower limits may be applicable.
As Low As
Published APR range: 7.00% - 17.00%. Rates range from 5.00% - 18.00% APR based on credit history; rates quoted assume excellent borrower credit history
No additional details available.
As Low As; Loan amounts up to $30,000, terms up to 84 months
As Low As
As Low As; Maximum Term; previously 8.00%
As low as*; Rate: 7.49% APR*
As Low As; Personal Loan Rates
Published APR range: 7.49% - 11.49%.
Term: Up to 5 years (60 mos.); Published APR range: 7.50% to 12.00%. A signature loan based on income and credit history.
As Low As; Personal ($30,000 max); closed-end loan
As low as
Grade: Platinum; Credit Score: 730+; Dollar Limit: $15,000
As Low As
Published APR range: 7.50% - 17.50%. Rates range from 5.00% - 18.00% APR based on credit history; rates quoted assume excellent borrower credit history
As low as*; Rate: 7.74% APR*
As low as; Loan amount up to $25,000
As Low As; Personal ($30,000 max); closed-end loan
As Low As
As Low As
As Low As; Maximum Term; previously 8.50%
As Low As; Valid for loan amounts up to $20,000.00
As Low As; Loan amount: Minimum $300.00, Maximum $25,000.00
Published APR range: 7.99% - 11.99%.
No additional details available.
Up to $25,000; Rate is APR*
Term: 12 Months (up to $10,000.00); As low as; Personal Loans
No additional details available.
As Low As
- Oct 12, 20268.00%▼ from 13.00%
- Sep 16, 202613.00%first recorded
As low as
Grade: Platinum; Credit Score: 730+; Dollar Limit: $15,000
Grade: Preferred; Credit Score: 729-680; Dollar Limit: $15,000
As Low As
Published APR range: 8.00% - 17.99%. Rates range from 5.00% - 18.00% APR based on credit history; rates quoted assume excellent borrower credit history
All loans subject to credit approval; actual rate based on credit qualifications; rates displayed are lowest available including discount for automatic payment
- Oct 12, 20268.24%▲ from 7.49%
- Sep 14, 20267.49%first recorded
No additional details available.
As Low As; Personal ($30,000 max); closed-end loan
Term: 24 Months (up to $10,000.00); As low as; Personal Loans
$20,000; As Low As; Shorter terms available
As Low As
As Low As; Rate includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only); Not for business or real estate purposes
No additional details available.
As Low As; Maximum Term; previously 9.00%
As Low As; Personal Loan Rates
No additional details available.
Term: 36 Months (up to $10,000.00); As low as; Personal Loans
As Low As; Valid for loan amounts up to $20,000.00
As Low As; 0.5% deduction with existing direct deposit into the Credit Union
Grade: Preferred; Credit Score: 729-680; Dollar Limit: $15,000
Published APR range: 8.50% - 12.50%. Maximum Loan Amount is $20,000. Lower limits may be applicable.
As Low As
As Low As; Rate includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only); Not for business or real estate purposes
Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.
As Low As; Loan amounts up to $30,000, terms up to 84 months
All loans subject to credit approval; actual rate based on credit qualifications; rates displayed are lowest available including discount for automatic payment
- Oct 12, 20268.74%▲ from 7.49%
- Sep 14, 20267.49%first recorded
As low as; Loan amount up to $25,000
As Low As; Personal ($30,000 max); closed-end loan
- Oct 8, 20268.75%▼ from 9.00%
- Sep 16, 20269.00%first recorded
As Low As; Valid for loan amounts up to $20,000.00
As Low As
$20,000; As Low As; Shorter terms available
As Low As
As Low As; Rates may vary based on individual creditworthiness
As Low As; Rate includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only); Not for business or real estate purposes
As Low As; Maximum Term; previously 9.50%
As Low As; Personal Loan Rates
As Low As; Loan amounts up to $30,000, terms up to 84 months
No additional details available.
Term: 48 Months (up to $10,000.00); As low as; Personal Loans
As Low As; Valid for loan amounts up to $20,000.00
As low as
Grade: Preferred; Credit Score: 729-680; Dollar Limit: $15,000
As Low As; Rate includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only); Not for business or real estate purposes
No additional details available.
All loans subject to credit approval; actual rate based on credit qualifications; rates displayed are lowest available including discount for automatic payment
As low as; Loan amount up to $25,000
As Low As; Personal ($30,000 max); closed-end loan
Term: 60 Months (up to $10,000.00); As low as; Personal Loans
$20,000; As Low As; Shorter terms available
As Low As
As Low As; Rate includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only); Not for business or real estate purposes
As Low As; Loan amounts up to $30,000, terms up to 84 months
No additional details available.
As Low As; Valid for loan amounts up to $20,000.00
As Low As; Loan amounts up to $30,000, terms up to 84 months
All loans subject to credit approval; actual rate based on credit qualifications; rates displayed are lowest available including discount for automatic payment
As low as; Loan amount up to $25,000
As Low As
$20,000; As Low As; Shorter terms available
No additional details available.
As Low As; Loan amounts up to $30,000, terms up to 84 months
Grade: Standard; Credit Score: 679-620; Dollar Limit: $10,000
As Low As; Loan amounts up to $30,000, terms up to 84 months
Term: 72 Months (up to $10,000.00); As low as; Personal Loans
Grade: Standard; Credit Score: 679-620; Dollar Limit: $10,000
No additional details available.
Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.
As Low As; Valid for loan amounts up to $20,000.00
Grade: Standard; Credit Score: 679-620; Dollar Limit: $10,000
No additional details available.
Grade: Credit Builder; Credit Score: 619 and below; Dollar Limit: $3,000
Grade: Credit Builder; Credit Score: 619 and below; Dollar Limit: $3,000
Grade: Credit Builder; Credit Score: 619 and below; Dollar Limit: $3,000
Hawaii Personal Loan Rates
Up to $25,000; Rate is APR*
Up to $25,000; Rate is APR*
Up to $25,000; Rate is APR*
Published APR range: 6.50% - 16.75%. Rates range from 5.00% - 18.00% APR based on credit history; rates quoted assume excellent borrower credit history
As Low As; $10,000 min, $50,000 max
As Low As; Rates may vary based on individual creditworthiness
No additional details available.
As Low As; Personal Loan Rates
Up to $25,000; Rate is APR*
$20,000; As Low As; Shorter terms available
Grade: Platinum; Credit Score: 730+; Dollar Limit: $15,000
Published APR range: 7.00% - 17.00%. Rates range from 5.00% - 18.00% APR based on credit history; rates quoted assume excellent borrower credit history
No additional details available.
As Low As
As low as*; Rate: 7.49% APR*
As Low As; Personal Loan Rates
As Low As; Personal ($30,000 max); closed-end loan
As low as
Grade: Platinum; Credit Score: 730+; Dollar Limit: $15,000
Published APR range: 7.50% - 17.50%. Rates range from 5.00% - 18.00% APR based on credit history; rates quoted assume excellent borrower credit history
As low as*; Rate: 7.74% APR*
As Low As; Personal ($30,000 max); closed-end loan
As Low As
No additional details available.
Up to $25,000; Rate is APR*
Term: 12 Months (up to $10,000.00); As low as; Personal Loans
No additional details available.
As Low As
- Oct 12, 20268.00%▼ from 13.00%
- Sep 16, 202613.00%first recorded
As low as
Grade: Platinum; Credit Score: 730+; Dollar Limit: $15,000
Grade: Preferred; Credit Score: 729-680; Dollar Limit: $15,000
Published APR range: 8.00% - 17.99%. Rates range from 5.00% - 18.00% APR based on credit history; rates quoted assume excellent borrower credit history
All loans subject to credit approval; actual rate based on credit qualifications; rates displayed are lowest available including discount for automatic payment
- Oct 12, 20268.24%▲ from 7.49%
- Sep 14, 20267.49%first recorded
No additional details available.
As Low As; Personal ($30,000 max); closed-end loan
Term: 24 Months (up to $10,000.00); As low as; Personal Loans
$20,000; As Low As; Shorter terms available
As Low As
As Low As; Rate includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only); Not for business or real estate purposes
As Low As; Personal Loan Rates
No additional details available.
Term: 36 Months (up to $10,000.00); As low as; Personal Loans
As Low As; 0.5% deduction with existing direct deposit into the Credit Union
Grade: Preferred; Credit Score: 729-680; Dollar Limit: $15,000
As Low As; Rate includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only); Not for business or real estate purposes
Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.
All loans subject to credit approval; actual rate based on credit qualifications; rates displayed are lowest available including discount for automatic payment
- Oct 12, 20268.74%▲ from 7.49%
- Sep 14, 20267.49%first recorded
As Low As; Personal ($30,000 max); closed-end loan
- Oct 8, 20268.75%▼ from 9.00%
- Sep 16, 20269.00%first recorded
$20,000; As Low As; Shorter terms available
As Low As
As Low As; Rate includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only); Not for business or real estate purposes
As Low As; Personal Loan Rates
No additional details available.
Term: 48 Months (up to $10,000.00); As low as; Personal Loans
As low as
Grade: Preferred; Credit Score: 729-680; Dollar Limit: $15,000
As Low As; Rate includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only); Not for business or real estate purposes
All loans subject to credit approval; actual rate based on credit qualifications; rates displayed are lowest available including discount for automatic payment
As Low As; Personal ($30,000 max); closed-end loan
Term: 60 Months (up to $10,000.00); As low as; Personal Loans
$20,000; As Low As; Shorter terms available
As Low As
As Low As; Rate includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only); Not for business or real estate purposes
No additional details available.
All loans subject to credit approval; actual rate based on credit qualifications; rates displayed are lowest available including discount for automatic payment
$20,000; As Low As; Shorter terms available
No additional details available.
Grade: Standard; Credit Score: 679-620; Dollar Limit: $10,000
Term: 72 Months (up to $10,000.00); As low as; Personal Loans
Grade: Standard; Credit Score: 679-620; Dollar Limit: $10,000
Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.
Grade: Standard; Credit Score: 679-620; Dollar Limit: $10,000
Grade: Credit Builder; Credit Score: 619 and below; Dollar Limit: $3,000
Grade: Credit Builder; Credit Score: 619 and below; Dollar Limit: $3,000
Grade: Credit Builder; Credit Score: 619 and below; Dollar Limit: $3,000
Hawaii Debt Consolidation Loan Rates
Hawaii Signature Loan Rates
As Low As
As low as; Loan amount up to $25,000
As Low As; Maximum Term; previously 7.50%; APR disclosed is the lowest rate available for a 12-month term
$20,000; As Low As; Shorter terms available
No additional details available.
Published APR range: 7.00% - 15.00%. Maximum Loan Amount is $20,000. Lower limits may be applicable.
As Low As
As Low As; Loan amounts up to $30,000, terms up to 84 months
As Low As; Maximum Term; previously 8.00%
As Low As
As low as; Loan amount up to $25,000
As Low As; Maximum Term; previously 8.50%
As Low As; Loan amount: Minimum $300.00, Maximum $25,000.00
As Low As
$20,000; As Low As; Shorter terms available
No additional details available.
As Low As; Maximum Term; previously 9.00%
Published APR range: 8.50% - 12.50%. Maximum Loan Amount is $20,000. Lower limits may be applicable.
As Low As
As Low As; Loan amounts up to $30,000, terms up to 84 months
As low as; Loan amount up to $25,000
$20,000; As Low As; Shorter terms available
As Low As; Maximum Term; previously 9.50%
As Low As; Loan amounts up to $30,000, terms up to 84 months
No additional details available.
As low as; Loan amount up to $25,000
$20,000; As Low As; Shorter terms available
As Low As; Loan amounts up to $30,000, terms up to 84 months
As Low As; Loan amounts up to $30,000, terms up to 84 months
As low as; Loan amount up to $25,000
$20,000; As Low As; Shorter terms available
As Low As; Loan amounts up to $30,000, terms up to 84 months
As Low As; Loan amounts up to $30,000, terms up to 84 months
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 rose 0.054 points over the past 7 days to 8.700% APR.
Hawaii signature loan rates rose 0.146 points over the past 7 days to 9.197% 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 8.70%, 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 | $227.74/mo | $158.30/mo | $123.71/mo | $103.07/mo |
| $10,000 | $455.47/mo | $316.60/mo | $247.43/mo | $206.13/mo |
| $15,000 | $683.21/mo | $474.91/mo | $371.14/mo | $309.20/mo |
| $25,000 | $1,138.68/mo | $791.51/mo | $618.57/mo | $515.33/mo |
| $35,000 | $1,594.16/mo | $1,108.11/mo | $866.00/mo | $721.46/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) | 8.70% | $371.14 | $2,815 | |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $3,335 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,869 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $6,462 |
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 to 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 to 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.
Personal Loans for Bad Credit in Hawaii
A FICO score below 580 is considered poor and 580 to 669 is fair. You can still get a personal loan with bad credit, but expect an APR well above the best rates on this page, a smaller loan amount, or a request for collateral or a cosigner. Where you apply matters as much as your score.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027. Many weigh your income and membership history, not just your score.
Ask About a Payday Alternative Loan
Many federal credit unions offer PALs for small, short term needs, capped at 28% APR with an application fee of no more than $20. That is a fraction of what a payday lender charges.
Secure the Loan With Savings
A share secured or CD secured loan uses your own savings as collateral, so approval is easy and the APR is low. On time payments are reported to the credit bureaus and help rebuild your score.
Add a Cosigner or Co-borrower
A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.
Prequalify Before You Apply
Most lenders show an estimated rate with a soft credit check that does not affect your score. Compare APRs, including any origination fee, before you submit a full application.
Avoid Payday and Title Loans
The CFPB notes a typical payday fee of $15 per $100 equals an APR of almost 400% on a two week loan. A title loan puts your car at risk. A credit union loan costs far less.
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?
Can I get a personal loan with bad credit in Hawaii?
What is the maximum APR on a bad credit personal loan from a credit union?
What are the best personal loan rates in Hawaii?
- Hawaii County Employees Federal Credit Union: 4.00% (Personal Loan)
- Maui Teachers Federal Credit Union: 4.50% (Solar Heater Loan)
- HAWAIIAN ELECTRIC EMPLOYEES: 4.75% (Bill Consolidation Loan)
- Molokai Community Federal Credit Union: 5.49% (Solar Loans)
- Hawaii State Federal Credit Union: 5.69% (Roof & Renovation Program Loan)
