Best Personal Loan Rates in Honolulu, Hawaii (HI) - April 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 Honolulu, Hawaii include: HAWAIIAN ELECTRIC EMPLOYEESHAWAIIAN ELECTRIC EMPLOYEES770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813A+5.0 ★Texas Ratio: 2.62% offering Bill Consolidation Loan 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: 2.77% offering Renewable Energy Loan at 5.00% APR, HOCU Honolulu Federal Credit UnionHOCU Honolulu Federal Credit Union300 Ala Moana Blvd, Honolulu, HI, 96850A5.0 ★Texas Ratio: 7.94% offering PV/Solar Loans at 5.99% APR, 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: 7.46% offering Signature W/Collateral at 6.50% APR, and ILWU Federal Credit UnionILWU Federal Credit Union680 Iwilei Rd, Honolulu, HI, 96817 5388A+5.0 ★Texas Ratio: 4.69% offering Signature Loan at 6.74% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Honolulu has 13 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: April 19, 2026
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Up to $50,000
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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; Offer available with a minimum loan amount of $500. APR includes a 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account. Without automatic payment, the APR will be 0.25 percentage point higher and may result in higher monthly payments. Not valid for business or real estate loans. Refinances of existing Hawaii State FCU personal loans or lines of credit do not qualify for this offer. Credit union membership is required. Must be a Hawaii resident. Other restrictions may apply.
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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; 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; 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; 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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Must provide travel itinerary
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Maximum Loan Amount is $20,000. Lower limits may be applicable.
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Rates are determined by the repayment terms; Loan proceeds to be paid directly to contractor.
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As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
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As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
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$30,000
Maximum Loan Amount is $20,000. Lower limits may be applicable.
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plus a $25 processing fee
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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; Offer available with a minimum loan amount of $500. APR includes a 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account. Without automatic payment, the APR will be 0.25 percentage point higher and may result in higher monthly payments. Not valid for business or real estate loans. Refinances of existing Hawaii State FCU personal loans or lines of credit do not qualify for this offer. Credit union membership is required. Must be a Hawaii resident. Other restrictions may apply.
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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.
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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; 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; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
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Maximum Loan Amount is $20,000. Lower limits may be applicable.
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Maximum Loan Amount is $20,000. Lower limits may be applicable.
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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 8.715% APR.
Hawaii signature loan rates currently average 8.412% APR.
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 Loan)
- Hawaii Law Enforcement Federal Credit Union: 5.00% (Renewable Energy Loan)
- HOCU Honolulu Federal Credit Union: 5.99% (PV/Solar Loans)
- Hotel And Travel Industry Federal Credit Union: 6.50% (Signature W/Collateral)
- ILWU Federal Credit Union: 6.74% (Signature Loan)
Personal Loan Calculators
