Best Personal Loan Rates in Honolulu, Hawaii - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in Honolulu, Hawaii include: HAWAIIAN ELECTRIC EMPLOYEESHAWAIIAN ELECTRIC EMPLOYEES770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813A+5.0 ★Texas Ratio: 1.30% offering Bill Consolidation Loan2 at 4.75% APR, 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, Hawaii State Federal Credit UnionHawaii State Federal Credit Union333 Queen St, Honolulu, HI, 96813A5.0 ★Texas Ratio: 7.18% offering PV Loan Program at 5.17% APR, HOCU Honolulu Federal Credit UnionHOCU Honolulu Federal Credit Union300 Ala Moana Blvd, Honolulu, HI, 96850A5.0 ★Texas Ratio: 7.51% offering Personal Loan at 6.00% APR, and Hotel And Travel Industry Federal Credit UnionHotel And Travel Industry Federal Credit Union1914 S KING ST STE 100, Honolulu, HI, 96826 2162A5.0 ★Texas Ratio: 7.21% offering Signature W/Collateral Loan at 6.50% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Honolulu has 14 local institutions in our database, with personal loan rates as low as 4.75% APR from HAWAIIAN ELECTRIC EMPLOYEES at 770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813. Use the tabs below to compare all available personal loan types. 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 Honolulu, Hawaii.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Honolulu, 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 6, 2026
Honolulu Personal Loan Rates
No additional details available.
No additional details available.
Interest Rate2 Months 0-18: 0.00%; Interest Rate2 Months 19-96: 7.70%
Interest Rate2 Months 0-18: 0.00%
Interest Rate2 Months 0-18: 0.00%; Interest Rate2 Months 19-96: 8.10%
Interest Rate2 Months 0-18: 0.00%
No additional details available.
Interest Rate2 Months 0-12: 0.00%
No additional details available.
No additional details available.
Interest Rate2 Months 0-18: 0.00%; Interest Rate2 Months 19-96: 8.70%
Interest Rate2 Months 0-18: 0.00%
Interest Rate2 Months 13-84: 8.10%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Interest Rate2 Months 0-12: 0.00%; Interest Rate2 Months 13-84: 8.70%
No additional details available.
No additional details available.
As Low As
As Low As; Up to $25,000
No additional details available.
APR*=Annual Percentage Rate; As low as
As Low As; Original rate was 7.50%
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Up to $25,000
As Low As
As Low As
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
As Low As
As Low As; *
As Low As
As Low As; 1
No additional details available.
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; *
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
No additional details available.
As Low As; 1
As Low As
As Low As
As Low As
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 24 monthly payments of $45.45
As Low As; up to $10,000.00
As Low As; 1
As Low As
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
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; Up to $25,000
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.
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
As Low As
As Low As; up to $10,000.00
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
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; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
No additional details available.
As Low As; 1
As Low As; up to $10,000.00
No additional details available.
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; Up to $25,000
As Low As
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 = Annual Percentage Rate. 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. Visit HawaiiCentral.org for more information and to apply. Federally insured by the NCUA. NMLS #412820.
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
As Low As; 1
As Low As; up to $10,000.00
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 59 monthly payments of $21.00 + 1 of $20.84
As Low As; Up to $25,000
Variable; Max Balance: $20,000
As Low As; 1
As Low As; up to $10,000.00
APR = Annual Percentage Rate. 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. Visit HawaiiCentral.org for more information and to apply. Federally insured by the NCUA. NMLS #412820.
No additional details available.
No additional details available.
As Low As
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
As Low As; up to $10,000.00
No additional details available.
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 71 monthly payments of $19.03 + 1 of $18.86
APR = Annual Percentage Rate. 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. Visit HawaiiCentral.org for more information and to apply. Federally insured by the NCUA. NMLS #412820.
No additional details available.
Variable; Max Balance: $20,000
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
Fixed; Max Balance: $30,000
As Low As
No additional details available.
No additional details available.
Fixed until 1/1/2027
As Low As
No additional details available.
Loan Amount: Up to $30,000.00
No additional details available.
Maximum $5,000
Must provide travel itinerary
No additional details available.
Maximum Loan Amount is $20,000. Lower limits may be applicable.
No additional details available.
as low as
As Low As
As Low As
Rates are determined by the repayment terms Loan proceeds to be paid directly to contractor.
As Low As
**
Adjusted April 1, 2026
As Low As
No additional details available.
No additional details available.
Starting at 6.00%
No additional details available.
As Low As
Rate includes 1% member discount. Limited-time offer valid through June 30, 2026. Subject to credit approval, rates and terms vary based on creditworthiness.
No additional details available.
No additional details available.
As Low As
$30,000
Maximum Loan Amount is $20,000. Lower limits may be applicable.
Starting at 7.00%
As Low As; Starting at 7.00%
As Low As; Minimum: $300.00; Maximum: $25,000.00
As Low As
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 11 monthly payments of $86.66, 1 estimated final payment of $86.60
As Low As
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 35 monthly payments of $31.11, 1 estimated final payment of $30.97
As Low As
As of 1/1/2026
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 47 monthly payments of $24.30, 1 estimated final payment of $24.14
As Low As
Minimum Credit Limit: $5,000; Maximum Credit Limit: $20,000; Minimum Payments: The minimum payment for all programs is the greater of $10 or 3.0% of the outstanding balance.; Annual Fee: NO FEE; Grace Period for Purchases: Twenty-five (25) days; Method of Computing the Balance for Purchases: Average daily balance (including new transactions); Late Fee: 5% of the past due amount with a minimum charge of $5, or the amount of the required minimum payment: Not to exceed $25.; Over Limit Fee: $20 for each payment period account balance exceeds the credit limit.
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 59 monthly payments of $20.28, 1 estimated final payment of $20.11
As Low As
No additional details available.
Starting at 8.25%
Maximum Loan Amount is $20,000. Lower limits may be applicable.
As Low As; *
As Low As
As Low As
As Low As
Starting at 8.75%
As Low As
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 71 monthly payments of $18.03, 1 estimated final payment of $17.82
As Low As
Starting at 9.25%
As Low As
Cash Advance APR: 9.50%; Balance Transfer APR: 9.50%
As Low As
As Low As
As Low As
Starting at 9.75%
Minimum Credit Limit: $2,000; Maximum Credit Limit: $20,000; Minimum Payments: The minimum payment for all programs is the greater of $10 or 3.0% of the outstanding balance.; Annual Fee: NO FEE; Grace Period for Purchases: Twenty-five (25) days; Method of Computing the Balance for Purchases: Average daily balance (including new transactions); Late Fee: 5% of the past due amount with a minimum charge of $5, or the amount of the required minimum payment: Not to exceed $25.; Over Limit Fee: $20 for each payment period account balance exceeds the credit limit.
As Low As
Honolulu Personal Loan Rates
No additional details available.
No additional details available.
APR*=Annual Percentage Rate; As low as
As Low As
As Low As
As Low As
As Low As
As Low As; *
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 11 monthly payments of $86.99 + 1 of $86.41
No additional details available.
No additional details available.
As Low As; 1
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
As Low As; 1
As Low As
As Low As
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 24 monthly payments of $45.45
As Low As; up to $10,000.00
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; 1
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; up to $10,000.00
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
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; 1
As Low As; up to $10,000.00
No additional details available.
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 47 monthly payments of $24.89 + 1 of $24.70
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
As Low As; Payment Example (Based on $1000; Monthly with 1 estimated final payment): 59 monthly payments of $21.00 + 1 of $20.84
As Low As; 1
As Low As; up to $10,000.00
As Low As; 1
As Low As; up to $10,000.00
No additional details available.
As Low As
As Low As; up to $10,000.00
No additional details available.
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
No additional details available.
Loan Amount: Up to $30,000.00
as low as
As Low As
**
As Low As
Starting at 6.00%
Starting at 7.00%
As Low As; Starting at 7.00%
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 11 monthly payments of $86.66, 1 estimated final payment of $86.60
As Low As
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 35 monthly payments of $31.11, 1 estimated final payment of $30.97
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 47 monthly payments of $24.30, 1 estimated final payment of $24.14
As Low As
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 59 monthly payments of $20.28, 1 estimated final payment of $20.11
Starting at 8.25%
As Low As; *
Starting at 8.75%
As Low As
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.): 71 monthly payments of $18.03, 1 estimated final payment of $17.82
Starting at 9.25%
Starting at 9.75%
Honolulu Debt Consolidation Loan Rates
Honolulu Signature Loan Rates
As Low As
As Low As; Up to $25,000
As Low As; Original rate was 7.50%
As Low As
As Low As
As Low As
As Low As; Up to $25,000
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As; Up to $25,000
As Low As
No additional details available.
As Low As; Up to $25,000
As Low As; Up to $25,000
No additional details available.
No additional details available.
No additional details available.
Maximum Loan Amount is $20,000. Lower limits may be applicable.
Rate includes 1% member discount. Limited-time offer valid through June 30, 2026. Subject to credit approval, rates and terms vary based on creditworthiness.
$30,000
Maximum Loan Amount is $20,000. Lower limits may be applicable.
As Low As; Minimum: $300.00; Maximum: $25,000.00
As Low As
Maximum Loan Amount is $20,000. Lower limits may be applicable.
As Low As
As Low As
As Low As
As Low As
As Low As
Honolulu, HI Personal Loan Rate Trends
Compare local Honolulu, HI 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 currently average 8.588% APR.
Hawaii signature loan rates currently average 8.159% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Honolulu, 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 Honolulu, 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 Honolulu, 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 Honolulu, Hawaii?
What are the best personal loan rates in Honolulu, Hawaii?
- HAWAIIAN ELECTRIC EMPLOYEES: 4.75% (Bill Consolidation Loan2)
- Hawaii Law Enforcement Federal Credit Union: 5.00% (Renewable Energy Loan)
- Hawaii State Federal Credit Union: 5.17% (PV Loan Program)
- HOCU Honolulu Federal Credit Union: 6.00% (Personal Loan)
- Hotel And Travel Industry Federal Credit Union: 6.50% (Signature W/Collateral Loan)
Personal Loan Calculators
