Best Personal Loan Rates in Waipahu, 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 Waipahu, Hawaii include: Hawaiian Financial Federal Credit UnionHawaiian Financial Federal Credit Union94 595 Kupuohi St, Waipahu, HI, 96797A+5.0 ★Texas Ratio: 2.51% offering Signature Loans at 7.50% APR, Aloha Pacific Federal Credit UnionAloha Pacific Federal Credit UnionWaikele Shopping Center, Waipahu, HI, 96797A+5.0 ★Texas Ratio: 3.29% offering Personal Term Loan - 12 months at 7.99% APR, Hawaii State Federal Credit UnionHawaii State Federal Credit Union94 809 Lumiaina St, Waipahu, HI, 96797 5025A5.0 ★Texas Ratio: 7.48% offering Personal Loan at 8.50% APR, HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit UnionWaipahu Town Center, Waipahu, HI, 96797A+5.0 ★Texas Ratio: 2.50% offering Personal Loans at 8.50% APR, and Maui Teachers Federal Credit UnionMaui Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering Share/Signature at 4.00% APR. Personal loan rates as of April 25, 2026 according to verified data from MonitorBankRates.
Waipahu has 4 local institutions in our database, with personal loan rates as low as 7.50% APR from Hawaiian Financial Federal Credit Union at 94 595 Kupuohi St, Waipahu, HI, 96797. 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 Waipahu, Hawaii.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Waipahu, 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 25, 2026
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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; Spring Loan Special
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Maximum Loan Amount is $20,000. Lower limits may be applicable.
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Must provide travel itinerary
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Rates are determined by the repayment terms; Loan proceeds to be paid directly to contractor.
No additional details available.
As Low As; Spring Loan Special
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$15,000; As Low As
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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; Contact us about rates
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As Low As; Personal Loan Rates
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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Up to $50,000
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Maximum Loan Amount is $20,000. Lower limits may be applicable.
$30,000
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Up to $50,000
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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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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; Personal Loan Rates
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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.
No additional details available.
Maximum Loan Amount is $20,000. Lower limits may be applicable.
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$15,000; 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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No additional details available.
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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.
No additional details available.
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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.
$15,000; As Low As
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plus a $25 processing fee
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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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$15,000; As Low As
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; Contact us about rates
As Low As; Personal Loan Rates
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.
No additional details available.
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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.
No additional details available.
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$15,000; 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; Personal Loan Rates
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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$15,000; 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; Personal Loan Rates
No additional details available.
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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.
$15,000; 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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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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No additional details available.
Maximum Loan Amount is $20,000. Lower limits may be applicable.
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Waipahu, HI Personal Loan Rate Trends
Compare local Waipahu, 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 fell 0.015 points over the past 7 days to 8.700% 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 Waipahu, Hawaii?
What are the best personal loan rates in Waipahu, Hawaii?
- Hawaiian Financial Federal Credit Union: 7.50% (Signature Loans)
- Aloha Pacific Federal Credit Union: 7.99% (Personal Term Loan - 12 months)
- Hawaii State Federal Credit Union: 8.50% (Personal Loan)
- HawaiiUSA Federal Credit Union: 8.50% (Personal Loans)
- Maui Teachers Federal Credit Union: 4.00% (Share/Signature)
Personal Loan Calculators
